YOLFTbeta
Lion Finance Group PLC

Lion Finance Group PLC

BGEO · LSE · Financial Services / Banks - Regional

13,700.00GBX-20.00 (-0.15%)

Price History

Full chart

Market Stats

Previous Close13,720.00
Open13,750.00
Day Range13,579.27 – 13,790.00
52-Week Range7,106.92 – 14,820.00
Volume41.87K
Market Cap5.70B
P/E (TTM)8.51
Forward P/E7.36
EPS15.58
Dividend Yield2.60%
Beta0.77
50-Day Avg13,143.60
200-Day Avg11,156.00

About

Lion Finance Group PLC, through its subsidiaries, provides banking and financial services with focus on the Georgian and Armenian markets. The company operates through Georgian Financial Services, Armenian Financial Services, and Other Businesses segments. The Georgian Financial Services segment provides retail banking, SME, and corporate and investment banking, and corporate center services; and brokerage and asset management services. The Armenian Financial Services offers retail banking, and investment banking services. The Other Businesses segment provides retail and corporate banking services for retail and SME clients in Belarus; and e-commerce, ticketing, and inventory management SaaS services. It also offers information sharing and market research services, charitable activities, leasing, digital, transportation, trade, registrar, card processing, electronic payment services, communication services, business servicing, and consulting services. The company was formerly known as Bank of Georgia Group PLC and changed its name to Lion Finance Group PLC in February 2024. Lion Finance Group PLC was incorporated in 2017 and is headquartered in London, the United Kingdom.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Archil Gachechiladze CFA
  • Employees13.34K
  • Headquarters29 Farm Street, London, United Kingdom, W1J 5RL, UK
  • Websitehttps://lionfinancegroup.uk

Leadership

  • Mr. Archil Gachechiladze CFACEO & Executive Director · b. 1979
  • Mr. Giorgi ShagidzeGroup CFO & Deputy CEO
  • Ms. Nini ArshakuniHead of Investor Relations
  • Ms. Ana KostavaDeputy CEO & Chief Legal Officer
  • Ms. Nutsiko GogilashviliHead of International Business
  • Mr. Andro RatianiChief Executive Officer of Digital Area
  • Mr. David ChkoniaDeputy CEO & Chief Risk Officer
  • Mr. Hovhannes ToroyanChief Financial Officer of Ameriabank · b. 1984
  • Akaki LiqokeliEconomist

Financials

Income Statement

Currency: GEL2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue77.30M147.38M356.56M546.38M483.41M579.70M729.47M834.46M900.01M932.84M1.17B1.17B1.36B1.61B1.76B816.78M2.26B3.08B3.66B5.34B6.70B
Growth (%)-+90.66%+141.93%+53.24%-11.52%+19.92%+25.84%+14.39%+7.85%+3.65%+24.99%-0.07%+16.71%+18.48%+9.13%-53.54%+176.92%+36.21%+18.73%+45.99%+25.39%
Cost of Revenue13.08M33.55M112.08M183.10M188.52M206.80M267.06M281.98M266.15M257.52M372.38M377.91M459.38M574.59M639.44M-882.47M1.06B1.11B1.74B2.35B
Gross Profit64.22M113.83M244.48M363.28M294.89M372.90M462.41M552.49M633.86M675.32M793.57M787.17M900.34M1.04B1.12B816.78M1.38B2.02B2.55B3.60B4.34B
Gross Margin83.08%77.24%68.56%66.49%61.00%64.33%63.39%66.21%70.43%72.39%68.06%67.56%66.22%64.33%63.63%100.00%60.98%65.70%69.59%67.39%64.88%
Operating Expense47.48M78.93M154.76M364.08M400.80M274.46M290.36M339.74M388.60M398.73M460.97M517.32M509.08M598.85M562.16M389.57M577.45M389.50M889.21M750.97M1.76B
Operating Income16.73M34.90M89.71M-804.00K-105.91M98.44M172.05M212.75M245.26M276.59M332.59M269.85M391.25M437.55M556.41M427.21M801.94M1.63B1.66B2.85B2.58B
Operating Margin21.65%23.68%25.16%-0.15%-21.91%16.98%23.59%25.50%27.25%29.65%28.53%23.16%28.77%27.16%31.65%52.30%35.45%53.06%45.28%53.33%38.54%
EBITDA20.96M40.79M99.58M19.73M-80.48M126.41M199.31M241.36M277.00M311.40M368.35M307.06M432.23M482.99M634.53M398.08M895.56M1.75B1.78B3.02B2.80B
EBITDA Margin27.12%27.68%27.93%3.61%-16.65%21.81%27.32%28.92%30.78%33.38%31.59%26.36%31.79%29.98%36.09%48.74%39.59%56.66%48.69%56.57%41.85%
Net Income13.84M26.98M72.48M3.90M-91.37M83.64M132.53M174.44M201.49M232.51M303.69M398.54M437.62M469.00M497.66M293.58M723.81M1.44B1.39B2.48B2.16B
Net Income Margin17.90%18.31%20.33%0.71%-18.90%14.43%18.17%20.90%22.39%24.92%26.05%34.21%32.18%29.11%28.31%35.94%32.00%46.72%38.03%46.38%32.28%
Interest Expense13.08M33.55M112.08M183.10M188.52M206.80M267.06M281.98M266.15M257.52M372.38M377.91M459.38M574.59M639.44M806.37M882.47M1.06B1.11B1.74B2.35B
Interest Expense % of Total Revenue16.92%22.76%31.44%33.51%39.00%35.67%36.61%33.79%29.57%27.61%31.94%32.44%33.78%35.67%36.37%98.73%39.02%34.30%30.41%32.61%35.12%

Balance Sheet

Currency: GEL2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets462.82M1.21B2.95B3.26B2.91B4.00B4.67B5.66B6.52B7.60B10.13B12.99B15.17B14.80B18.57B22.04B23.43B28.90B31.76B52.21B60.87B
Total Liabilities371.36M838.47M2.40B2.54B2.32B3.31B3.85B4.60B5.28B5.96B8.06B10.57B12.44B13.00B16.42B19.49B20.34B24.65B26.74B45.19B52.45B
Total Equity90.37M370.64M544.53M665.66M578.96M664.25M772.53M1.01B1.18B1.57B1.85B2.17B2.42B1.79B2.14B2.54B3.08B4.23B5.00B6.99B8.42B
Cash57.23M173.52M560.33M497.22M422.51M728.05M918.26M1.16B1.40B1.13B2.16B2.63B2.81B2.52B3.77B3.99B3.45B6.02B4.86B6.83B7.72B
Total Debt-225.45M906.79M1.22B928.62M1.14B921.17M1.66B1.89B2.27B2.83B4.73B4.86B4.73B6.15B3.67B3.74B2.42B3.06B6.85B8.61B
Net Debt-57.23M51.93M346.46M719.50M506.11M410.87M2.91M497.78M485.16M1.14B664.57M2.10B2.06B2.20B2.38B1.03B2.47B9.22M-1.80B28.73M887.35M

Cash Flow

Currency: GEL2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-63.63M9.71M379.21M-164.92M193.92M309.34M208.05M265.39M460.10M-18.45M901.92M1.13B937.19M599.61M703.67M1.06B-37.08M4.76B1.27B3.19B2.14B
Investing Cash Flow-4.38M-218.03M-113.41M-23.55M-230.17M-50.43M-176.77M-97.44M-110.37M-442.93M-317.07M-803.52M-769.40M-703.27M128.73M-702.18M-57.34M-1.83B-858.38M-2.81B-1.14B
Financing Cash Flow22.50M259.23M31.58M174.69M-26.79M-5.32M-13.27M-33.97M-56.07M112.44M124.62M-198.29M-137.44M-309.00M85.10M-594.00M-256.75M-904.56M-881.54M111.02M-282.79M
Capital Expenditure12.56M30.28M74.24M122.88M24.52M41.84M76.24M60.44M70.59M80.46M157.49M274.76M336.38M95.10M125.49M108.34M97.58M121.67M155.37M230.93M285.38M
Free Cash Flow-63.63M-20.56M304.98M-287.80M169.39M267.50M131.81M204.95M389.51M-98.91M744.43M858.80M600.81M504.52M578.18M951.30M-134.66M4.64B1.11B2.96B1.86B
Dividends Paid9.19K579.00K49.00K---9.17M23.62M51.23M69.72M82.02M97.11M101.71M121.96M124.05M2.17M71.98M196.95M398.16M373.43M473.21M
FCF to OCF100.00%-211.68%80.42%174.51%87.35%86.47%63.35%77.23%84.66%535.97%82.54%75.76%64.11%84.14%82.17%89.78%363.15%97.44%87.75%92.77%86.68%
Dividend Paid to FCF-0.01%-2.82%0.02%---6.96%11.52%13.15%-70.49%11.02%11.31%16.93%24.17%21.46%0.23%-53.46%4.24%35.77%12.60%25.49%

Earnings

Report DateMay 8, 2012Aug 15, 2012Nov 1, 2012Feb 19, 2013May 13, 2013Aug 14, 2013Nov 13, 2013Feb 18, 2014May 9, 2014Aug 22, 2014Nov 6, 2014Feb 20, 2015May 20, 2015Aug 20, 2015Nov 23, 2015Feb 16, 2016May 24, 2016Aug 16, 2016Nov 21, 2016Feb 20, 2017May 10, 2017Aug 16, 2017Nov 8, 2017Feb 16, 2018May 21, 2018Aug 16, 2018Nov 22, 2018Feb 19, 2019May 14, 2019Aug 14, 2019Nov 7, 2019Feb 13, 2020May 14, 2020Aug 20, 2020Nov 17, 2020Feb 25, 2021May 19, 2021Aug 17, 2021Nov 11, 2021Feb 22, 2022May 11, 2022Aug 16, 2022Nov 10, 2022Feb 16, 2023May 17, 2023Aug 17, 2023Nov 14, 2023Mar 15, 2024May 29, 2024Aug 15, 2024Nov 11, 2024Mar 12, 2025May 15, 2025Aug 19, 2025Nov 20, 2025Feb 27, 2026May 7, 2026Aug 10, 2026Nov 4, 2026
EPS Estimate-------------1.82-2.23--2.97----2.97-0.280.590.70-0.650.690.70-2.080.520.570.630.610.700.800.901.125.793.9613.616.448.942.437.9023.23---0.003.363.593.41-3.683.97
EPS Actual44.3251.6051.9349.9946.3859.6864.3157.9452.0655.3559.9863.770.511.8457.122.4260.421.153.558.612.542.972.709.5686.260.490.660.7460.740.660.740.89-56.010.600.720.590.600.960.891.021.345.794.1213.61200.878.942.357.3123.23278.26325.7911.4411.733.26344.813.97374.684.06-
Surprise-------------1.10%-8.52%--19.53%----221.89%-75.00%11.86%5.71%-1.54%7.25%27.14%-2592.59%15.38%26.32%-6.35%-1.64%37.14%11.25%13.33%19.64%0.00%4.04%0.00%3019.10%0.00%-3.29%-7.47%0.00%-----2.98%9504.61%16.42%-10.33%-
Timing---------Pre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-After-hoursAfter-hoursPre-market-After-hoursPre-market

Key Statistics & Ratios

Market Cap5.70B
Enterprise Value9.55B
Trailing P/E8.51
Forward P/E7.36
PEG Ratio0.00
Price / Sales4.56
Price / Book2.27
EPS15.58
Book Value184.02
Revenue (TTM)3.90B
Gross Profit (TTM)3.81B
Profit Margin51.73%
Operating Margin0.00%
Return on Equity27.52%
Return on Assets3.87%
Shares Outstanding43.02M
Shares Float33.94M
Beta0.77
Dividend Yield2.60%
Dividend Rate3.45
Payout Ratio0.44%

Dividends

20263×
0.86Sep 10, 20260.82Jun 25, 20260.76Mar 26, 2026
20253×
0.73Dec 18, 20251.39Sep 25, 20251.51Jul 3, 2025
20242×
0.93Sep 26, 20241.39Jul 4, 2024
20232×
0.94Oct 5, 20231.74Jun 29, 2023
20222×
0.58Oct 6, 20220.65Jun 30, 2022
20211×
0.34Oct 21, 2021
20191×
0.72May 30, 2019
20181×
0.76Jul 19, 2018
20171×
0.85Jun 22, 2017
20161×
0.79Jul 7, 2016
20151×
0.60Jun 4, 2015
20141×
0.67Jun 4, 2014
20131×
0.58Jun 5, 2013
20121×
0.27Jun 13, 2012