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Key financial summary
Financials in GEL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | GEL m | 1,185 | 1,481 | 2,134 | 2,452 | 2,924 | 3,496 | 3,665 | - |
| Operating profit | GEL m | 1,673 | 1,750 | ||||||
| Net profit | GEL m | 318 | 801 | 995 | 1,124 | 1,284 | 1,397 | 1,482 | 1,537 |
| EPS reported | GEL | 25.37 | 27.08 | ||||||
| Operating cashflow per share | GEL | 18.08 | 0.00 | ||||||
| Capex per share | GEL | 7.00 | 0.00 | ||||||
| FCF per share | GEL | 11.08 | 0.00 | ||||||
| Free cash flow | GEL m | 610 | 0 | ||||||
| Net debt | GEL m | 2,190 | 2,749 | ||||||
| Book value equity | GEL m | 6,175 | 6,681 | ||||||
| Book value per share | GEL | 112.1 | 122.9 | ||||||
| Number of shares | m | 55.08 | 54.36 | ||||||
| DPS (TTM paid) | GEL | 8.23 | 8.72 |
Financial summary
Financials in GEL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 6.24 | ||||||
| P/B LTM | x | 0.36 | 1.40 | ||||||
| P/S LTM | x | 0.64 | 2.56 | ||||||
| P/FCF LTM | x | 3.66 | 0.00 | ||||||
| EV/EBITDA LTM | x | 2.40 | 6.27 | ||||||
| EV/Sales LTM | x | 0.76 | 3.31 | ||||||
| Earnings Yield LTM | % | 62.48% | 16.03% | ||||||
| FCF Yield | % | 27.29% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | 22.63% | 23.55% | ||||||
| ROIC | % | 8.30% | 9.23% | ||||||
| Operating margin | % | 28.73% | 28.74% | ||||||
| Gross margin | % | 60.03% | 60.19% | ||||||
| FCF/Sales | % | 10.48% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +9.02% | +13.50% | ||||||
| Sales Growth YoY | % | +19.56% | +13.38% | ||||||
| Net Income Growth YoY | % | +8.82% | +11.90% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +8.36% | +10.72% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 21.80% | 5.16% | ||||||
| Dividend Growth | % | +19.49% | - | ||||||
| Payout Ratio | % | 34.89% | 0.00% | ||||||
| FCF/Debt | x | 0.09 | 0.00 | ||||||
| Net Debt/EBITDA | x | 1.19 | 1.42 | ||||||
| EBIT/Net interest | x | 0.72 | 0.72 | ||||||
| Net debt/market cap | % | 97.92% | 29.34% | ||||||
| Net debt/Equity | x | 0.35 | 0.41 | ||||||
| Gross debt/equity | x | 1.14 | 1.04 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, insurance, brokerage, and card processing services to corporate and individual customers in Georgia, Azerbaijan, and Uzbekistan. The company operates through Georgian Financial Services; Uzbekistan Operations; and Other Operations segments. It offers banking business solutions, such as deposit and loans; and other financial services, including non-health insurance and leasing services; asset finance solutions; advisory services; and financial leasing, operating leasing, and sale and leasebacks. The company also offers digital banking services comprising cash loans, deposits, debit cards, remittances, gamification, installment/POS loans, daily banking, credit cards, MSME, and buy now, pay later (BNPL). In addition, it provides payment solutions, such as P2P transfers, utility and government payments, PFM, and QR payments, as well as Payme travel, goals, tickets, and subscription. Further, the company offers brokerage and research solutions, leasing, payment processing, asset management, healthcare e-commerce, retail trade and leasing, PR and marketing, education, data analytics, computer programming, investment vehicle, ecosystem, and digital banking platform, as well as investment banking, financial, customer experience servicing, software services, and postal services. TBC Bank Group PLC was founded in 1992 and is based in London, the United Kingdom.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
TBC Bank Group PLC (TBCG.L)
Based on consensus from external analysts. Not Kvantra's opinion.
TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, insurance, brokerage, and card processing services to corporate and individual customers in Georgia, Azerbaijan, and Uzbekistan. The company operates through Georgian Financial Services; Uzbekistan Operations; and Other Operations segments. It offers banking business solutions, such as deposit and loans; and other financial services, including non-health insurance and leasing services; asset finance solutions; advisory services; and financial leasing, operating leasing, and sale and leasebacks. The company also offers digital banking services comprising cash loans, deposits, debit cards, remittances, gamification, installment/POS loans, daily banking, credit cards, MSME, and buy now, pay later (BNPL). In addition, it provides payment solutions, such as P2P transfers, utility and government payments, PFM, and QR payments, as well as Payme travel, goals, tickets, and subscription. Further, the company offers brokerage and research solutions, leasing, payment processing, asset management, healthcare e-commerce, retail trade and leasing, PR and marketing, education, data analytics, computer programming, investment vehicle, ecosystem, and digital banking platform, as well as investment banking, financial, customer experience servicing, software services, and postal services. TBC Bank Group PLC was founded in 1992 and is based in London, the United Kingdom.
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