TBC BANK GROUP LS 0,01TBC BANK GROUP LS 0,01TBC BANK GROUP LS 0,01

TBC BANK GROUP LS 0,01

37.2EURD
−0.2−0.53%
As of today at 07:18 GMT
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LR6 fundamentals

Key facts

Market capitalization‪2.08 B‬EUR
Founded2016
CEOVakhtang Butskhrikidze
About

TBC Bank Group Plc engages as the holding company of TBC Bank. The company operates through three segments: Corporate, Retail; Micro, Small and Medium Enterprises; Corporate Center, Other and Sub-Segment Eliminations, Uzbekistan Operations, and Other Operations and Eliminations. The Corporate segment refers to a legal entity/group of affiliated entities with an annual revenue exceeding GEL 20 million or which has been granted facilities of more than GEL 7.5 million. The Retail segment deals with the non-business individual customers. The Micro, Small and Medium Enterprises segment is involved with business customers not included in the CIB segment. The Other and Sub-Segment Eliminations segment comprises the treasury operations, TBC Leasing, TBC Insurance and sub-segment eliminations. The Uzbekistan Operations segment pertains to TBC Bank Uzbekistan with respective subsidiaries and Payme (Inspired LLC). The Other Operations and Eliminations segment includes non-material or non-financial subsidiaries of the group and intragroup eliminations. The company was founded on February 26, 2016, and is headquartered in London, the United Kingdom.

Ownership
‪‪56.24 M‬‬
Free Float shares
‪‪53.16 M‬‬ (94.54%)
Closely held shares
‪‪3.07 M‬‬ (5.46%)
Free Float shares
‪‪53.16 M‬‬ (94.54%)
Closely held shares
‪‪3.07 M‬‬ (5.46%)
Capital structure
Market cap
‪‪2.08 B‬‬
Debt
‪‪2.85 B‬‬
Minority interest
‪‪63.90 M‬‬
Cash & equivalents
‪‪2.33 B‬‬
Enterprise value
‪‪2.67 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪2.08 B‬‬
Price to earning ratio (P/E)
4.83x
Price to sales ratio (P/S)
1.27x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
4.83x
Price to sales ratio (P/S)
1.27x
Valuation ratios
‪0.00‬
‪0.40‬
‪0.80‬
‪1.20‬
‪1.60‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪1.30‬
‪2.60‬
‪3.90‬
‪5.20‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪25%‬
‪26%‬
‪27%‬
‪28%‬
‪29%‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪‪120.00 M‬‬
‪‪240.00 M‬‬
‪‪360.00 M‬‬
‪‪480.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪120.00 M‬‬
‪‪240.00 M‬‬
‪‪360.00 M‬‬
‪‪480.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪120.00 M‬‬
‪‪240.00 M‬‬
‪‪360.00 M‬‬
‪‪480.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Retail
Corporate Banking
Micro, Small and Medium Enterprises
Uzbekistan Operations
Corporate Centre and Other Operations
By country
Period: 2023
Georgia

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪70.00 M‬‬
‪‪140.00 M‬‬
‪‪210.00 M‬‬
‪‪280.00 M‬‬
Actual
Earnings
Next:Feb 12, 2025
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪0.55‬
‪1.10‬
‪1.65‬
‪2.20‬
Actual

Dividends

Dividend yield, history and sustainability

Dividend summary
30.70%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
6.42%
Last payment
0.847
Last ex-date
Oct 3, 2024
Dividend history
‪0%‬
‪2%‬
‪4%‬
‪6%‬
‪8%‬
2019
2020
2021
2022
2023
‪0.00‬
‪0.60‬
‪1.20‬
‪1.80‬
‪2.40‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪‪−3.00 B‬‬
‪0.00‬
‪‪3.00 B‬‬
‪‪6.00 B‬‬
‪‪9.00 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪7.00‬
‪14.00‬
‪21.00‬
‪28.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio