TBC Bank Group PLC

TBC Bank Group PLC

TBCG · LSE · Financial Services / Banks - Regional

5,425.00GBX-15.00 (-0.28%)

Price History

Full chart

Market Stats

Previous Close5,440.00
Open5,420.00
Day Range5,365.00 – 5,500.00
52-Week Range3,449.42 – 5,490.00
Volume92.08K
Market Cap2.82B
P/E (TTM)7.05
Forward P/E5.89
EPS7.26
Dividend Yield3.96%
Beta0.64
50-Day Avg5,025.78
200-Day Avg4,585.85

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Vakhtang Butskhrikidze
  • Employees14.00K
  • Headquarters100 Bishopsgate, London, United Kingdom, EC2N 4AG, UK
  • Websitehttps://www.tbcbankgroup.com

Leadership

  • Mr. Vakhtang ButskhrikidzeCEO & Executive Director · b. 1970
  • Mr. Guy Richard Steele StevensGroup Chief Financial Officer
  • Ms. Anna Romelashvili ACCA, CIRHead of Investor Relations
  • Ms. Nino KacheishviliHead of the Retail Loans Department
  • David JaparidzeHead of Customer Experience
  • Alexander IskonyanDeputy Head of Business Analysis and Quality Assurance
  • Mr. Victor KukhalashviliHead of Software Development Department
  • Mr. Nikoloz KurdianiChief Executive Officer of Group's Business Operations in Uzbekistan
  • Mr. Otar NadaraiaChief Economist
  • Ms. Nino MasurashviliDeputy CEO and Chief Risk Officer of JSC TBC Bank

Financials

Income Statement

Currency: GEL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue297.73M570.18M630.45M810.32M953.24M1.28B1.59B1.82B2.04B2.39B3.21B3.85B4.79B5.82B
Growth (%)-+91.51%+10.57%+28.53%+17.64%+34.40%+23.85%+14.63%+12.09%+17.34%+34.18%+19.88%+24.44%+21.65%
Cost of Revenue-192.15M173.71M236.88M275.97M429.92M506.21M663.86M853.52M911.27M1.08B1.40B1.86B2.33B
Gross Profit297.73M378.04M456.74M573.44M677.27M851.24M1.08B1.15B1.19B1.48B2.13B2.45B2.92B3.50B
Gross Margin100.00%66.30%72.45%70.77%71.05%66.44%68.10%63.50%58.13%61.90%66.49%63.74%61.08%60.03%
Operating Expense186.72M238.10M273.82M325.57M361.59M456.56M570.26M569.35M810.63M559.46M887.55M1.12B1.38B1.82B
Operating Income111.02M139.93M182.92M247.87M315.68M394.68M510.20M585.52M374.51M921.36M1.25B1.33B1.54B1.67B
Operating Margin37.29%24.54%29.01%30.59%33.12%30.81%32.16%32.19%18.37%38.52%38.84%34.67%32.25%28.73%
EBITDA20.09M159.93M207.35M274.16M343.76M431.94M555.94M645.00M387.50M1.00B1.35B1.45B1.69B1.84B
EBITDA Margin6.75%28.05%32.89%33.83%36.06%33.71%35.04%35.46%19.01%41.86%41.99%37.68%35.29%31.62%
Net Income96.52M124.27M157.45M218.88M299.14M354.41M435.08M537.89M317.75M800.78M995.21M1.12B1.28B1.40B
Net Income Margin32.42%21.79%24.97%27.01%31.38%27.66%27.42%29.58%15.59%33.48%31.01%29.22%26.82%23.99%
Interest Expense-192.15M173.71M236.88M275.97M429.92M506.21M663.86M853.52M911.27M1.08B1.40B1.86B2.33B
Interest Expense % of Total Revenue-33.70%27.55%29.23%28.95%33.56%31.90%36.50%41.87%38.10%33.51%36.26%38.92%39.97%

Balance Sheet

Currency: GEL2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets87.68M118.82M188.07M261.57M391.97M596.51M959.74M1.70B1.93B1.74B2.27B3.30B3.90B4.45B5.42B6.93B10.77B12.97B15.53B18.41B22.58B24.48B29.03B32.96B40.16B43.94B
Total Liabilities71.34M97.98M157.72M215.94M330.61M496.72M839.12M1.39B1.67B1.41B1.89B2.83B663.77M3.72B4.40B5.72B9.19B11.08B13.32B15.76B19.64B21.02B25.07B28.14B34.42B37.59B
Total Equity16.34M20.84M30.35M45.64M61.36M99.79M120.26M311.94M252.32M321.45M372.07M459.65M315.02M714.62M1.01B1.21B1.55B1.86B2.20B2.64B2.92B3.41B3.88B4.68B5.56B6.18B
Cash20.09M22.23M47.35M58.18M83.18M89.03M167.19M99.42M355.75M332.85M275.43M374.15M398.59M687.50M901.90M1.20B1.96B2.50B2.64B2.63B3.78B3.89B5.95B5.39B5.67B4.86B
Total Debt-------------172.75M872.67M305.36M391.89M447.48M664.26M1.86B6.43B4.87B2.04B4.80B6.13B7.05B
Net Debt-------------398.59M-514.76M-29.22M-897.52M-1.57B-2.06B-1.97B-764.49M-1.56B-1.47B-3.92B-589.02M457.00M2.19B

Cash Flow

Currency: GEL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-360.45M75.69M-133.18M66.03M65.00M140.59M-76.05M-1.16B503.97M1.05B3.50B472.57M-3.52B995.71M
Investing Cash Flow-133.62M-86.64M17.34M-224.32M-88.12M-372.99M-572.56M-469.26M-711.97M540.27M-1.40B-617.41M-2.35B-1.06B
Financing Cash Flow510.09M-13.04M266.99M276.55M225.41M651.02M362.84M1.39B730.93M-1.41B434.77M82.74M5.08B-618.48M
Capital Expenditure52.82M24.79M48.75M47.81M50.69M114.38M89.26M120.33M164.38M163.22M226.40M263.24M340.24M385.53M
Free Cash Flow-413.27M75.69M-181.94M18.21M14.31M26.20M-165.31M-1.28B339.59M883.25M3.28B209.33M-3.86B610.18M
Dividends Paid-17.87M26.49M39.13M54.56M67.93M85.48M91.93M1.34M87.72M238.97M279.25M275.01M487.55M
FCF to OCF114.65%100.00%136.60%27.58%22.02%18.64%217.38%110.39%67.38%84.40%93.54%44.30%109.66%61.28%
Dividend Paid to FCF-23.61%-14.56%214.85%381.14%259.21%-51.71%-7.19%0.40%9.93%7.29%133.40%-7.12%79.90%

Earnings

Report DateMay 22, 2017Aug 21, 2017Nov 16, 2017Feb 22, 2018May 17, 2018Aug 20, 2018Nov 15, 2018Feb 21, 2019May 13, 2019Jul 29, 2019Nov 14, 2019Feb 20, 2020May 20, 2020Aug 18, 2020Nov 18, 2020Feb 19, 2021May 18, 2021Aug 18, 2021Nov 18, 2021Feb 18, 2022May 18, 2022Aug 12, 2022Nov 9, 2022Feb 22, 2023May 11, 2023Aug 10, 2023Nov 9, 2023Feb 16, 2024May 10, 2024Aug 9, 2024Nov 6, 2024Feb 12, 2025May 21, 2025Aug 8, 2025Nov 6, 2025Feb 20, 2026May 6, 2026Aug 6, 2026Nov 6, 2026
EPS Estimate--1.72----------1.902.302.492.783.043.463.793.46-3.793.794.505.255.455.265.36----------
EPS Actual1.751.511.641.661.7956.5359.1068.8970.5361.6163.1176.36-27.872.282.761.792.724.493.713.573.46113.173.573.574.505.255.455.26156.16169.59172.035.87159.05165.756.41189.41177.92191.03-
Surprise---4.65%----------20.00%20.00%-28.11%-2.16%47.70%7.23%-5.80%0.00%--5.80%-5.80%0.00%0.00%0.00%0.00%2813.48%----------
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap2.82B
Enterprise Value8.69B
Trailing P/E7.05
Forward P/E5.89
Price / Sales2.83
Price / Book1.53
EPS7.26
Book Value107.52
Revenue (TTM)2.84B
Gross Profit (TTM)2.84B
Profit Margin47.27%
Operating Margin0.00%
Return on Equity23.66%
Return on Assets3.49%
Shares Outstanding55.01M
Shares Float43.93M
Beta0.64
Dividend Yield3.96%
Dividend Rate2.01
Payout Ratio0.45%

Dividends

20264×
0.49Oct 22, 20260.49Aug 13, 20261.08May 21, 20260.48Jan 8, 2026
20253×
0.48Oct 23, 20250.41Aug 14, 20251.50Jun 5, 2025
20242×
0.71Oct 3, 20241.29Jun 13, 2024
20232×
0.78Sep 7, 20230.93May 11, 2023
20222×
0.77Sep 15, 20220.60Jun 16, 2022
20211×
0.35Aug 19, 2021
20191×
0.57Jun 6, 2019
20181×
0.50May 17, 2018
20171×
0.45Jun 8, 2017