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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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 2580.48M | 2847.99M | 1656.30M | 1634.65M | 801.94M |
| Minority interest | -1.90M | -8.25M | -6.05M | -4.49M | -3.31M |
| Net income | 2161.33M | 2476.94M | 1391.28M | 1439.51M | 723.81M |
| Selling general administrative | 207.44M | 162.36M | 122.59M | 164.45M | 129.52M |
| Selling and marketing expenses | 66.80M | 71.68M | 51.74M | 40.70M | 27.07M |
| Gross profit | 4344.27M | 3598.96M | 2545.51M | 2393.11M | 1365.68M |
| Reconciled depreciation | 221.65M | 173.14M | 124.72M | 111.09M | 93.62M |
| Ebit | 2580.48M | 2847.99M | 1656.30M | 2704.70M | 798.63M |
| Ebitda | 2802.13M | 3021.13M | 1781.02M | 2815.79M | 892.25M |
| Depreciation and amortization | 221.65M | 173.14M | 124.72M | 111.09M | 93.62M |
| Operating income | 2580.48M | 2847.99M | 1656.30M | 2704.70M | 798.63M |
| Other operating expenses | 4115.57M | 2492.37M | 2001.78M | 641.19M | 507.95M |
| Interest expense | 2351.77M | 1741.40M | 1112.57M | 1074.55M | 897.10M |
| Tax provision | 417.25M | 362.80M | 258.97M | 190.65M | 74.82M |
| Interest income | 5371.11M | 4139.90M | 2748.26M | 2256.88M | 1851.04M |
| Net interest income | 3019.35M | 2398.50M | 1635.69M | 1182.34M | 953.94M |
| Income tax expense | 417.25M | 362.80M | 258.97M | 190.65M | 74.82M |
| Total revenue | 6696.04M | 5340.36M | 3658.07M | 2393.11M | 1365.68M |
| Total operating expenses | 1763.80M | 750.97M | 889.21M | 641.19M | 507.95M |
| Cost of revenue | 2351.77M | 1741.40M | 1112.57M | - | - |
| Total other income expense net | - | 525.24M | -88.69M | -1070.05M | 3.31M |
| Net income from continuing ops | 2163.23M | 2485.20M | 1397.33M | 1445.00M | 727.12M |
| Net income applicable to common shares | - | - | - | 1439.51M | 723.81M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 60869.86M | 52207.89M | 31757.56M | 28901.90M | 23430.08M |
| Intangible assets | 376.40M | 322.25M | 167.86M | 149.44M | 144.25M |
| Other current assets | 200.77M | 88.95M | 37.51M | - | 16742.18M |
| Total liab | 52447.61M | 45192.66M | 26737.72M | 24653.08M | 20337.17M |
| Total stockholder equity | 8420.18M | 6988.41M | 4998.72M | 4231.57M | 3079.03M |
| Other current liab | 40130.77M | 34417.44M | 20821.97M | -35.17M | -33.52M |
| Common stock | 1.43M | 1.46M | 1.51M | 1.56M | 1.62M |
| Capital stock | 1.43M | 1.46M | 1.51M | 1.56M | 1.62M |
| Retained earnings | 7776.66M | 6422.32M | 4510.78M | 3821.89M | 2588.46M |
| Other liab | - | - | - | - | 183.35M |
| Good will | 41.25M | 41.25M | 41.25M | 33.35M | 33.35M |
| Other assets | - | - | -5163.53M | 17437.28M | 16742.18M |
| Cash | 7721.86M | 6825.22M | 4858.07M | 6017.87M | 3451.95M |
| Total current liabilities | 40334.03M | 34596.47M | 21131.12M | 35.17M | 33.52M |
| Net debt | 887.35M | 28.73M | -1802.04M | 9.22M | 2472.84M |
| Short long term debt total | 8609.21M | 6853.95M | 3056.03M | 6027.09M | 5924.79M |
| Other stockholder equity | 642.09M | 453.69M | 465.05M | 408.12M | 488.94M |
| Property plant equipment | - | - | - | 516.24M | 458.99M |
| Total current assets | 7931.58M | 7094.96M | 5034.88M | 6415.86M | 3455.63M |
| Long term investments | 10077.05M | 8988.53M | 5163.53M | 4349.73M | 2595.66M |
| Net tangible assets | - | - | - | 4048.78M | 2901.42M |
| Short term investments | - | - | -1745.39M | - | 165.89M |
| Net receivables | 8.96M | 180.78M | 139.30M | 397.99M | 3.68M |
| Inventory | - | - | -10.05M | - | 11.51M |
| Accounts payable | 75.64M | 58.10M | 46.77M | 35.17M | 33.52M |
| Accumulated other comprehensive income | - | 110.94M | 21.50M | - | - |
| Non currrent assets other | 11877.43M | 10724.03M | 5655.35M | -5048.76M | -3232.26M |
| Non current assets total | 52938.27M | 45112.93M | 26722.68M | 5048.76M | 3232.26M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -926.78M | -2808.18M | -858.38M | -1832.67M | -86.79M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1137.71M | -2808.18M | -858.38M | - | -57.34M |
| Net borrowings | 586.70M | 808.89M | -173.05M | - | -105.05M |
| Total cash from financing activities | -282.79M | 111.02M | -881.54M | -904.56M | -256.75M |
| Change to operating activities | - | - | - | - | -1618.66M |
| Net income | 2161.33M | 2476.94M | 1391.28M | 1439.51M | 723.81M |
| Change in cash | 818.86M | 651.36M | -483.02M | 2064.28M | -450.39M |
| Begin period cash flow | 3753.18M | 3101.82M | 3584.84M | 1520.56M | 1970.95M |
| End period cash flow | 4572.05M | 3753.18M | 3101.82M | 3584.84M | 1520.56M |
| Total cash from operating activities | 2141.80M | 3194.74M | 1268.36M | 4761.45M | -37.08M |
| Depreciation | - | - | 88.89M | 111.09M | 93.62M |
| Other cashflows from investing activities | 73.87M | -2808.18M | -699.29M | - | 0.39M |
| Dividends paid | 473.21M | 373.43M | 398.16M | 196.95M | 71.98M |
| Sale purchase of stock | -300.25M | -274.17M | -278.18M | -180.98M | -79.72M |
| Other cashflows from financing activities | -96.03M | -50.27M | -858.38M | 122.14M | -29.52M |
| Change to netincome | - | - | - | - | 242.29M |
| Capital expenditures | 285.38M | 230.93M | 155.37M | 121.67M | 97.58M |
| Change in working capital | - | -4306.93M | -2992.46M | - | - |
| Stock based compensation | - | - | 72.06M | - | - |
| Other non cash items | 2141.80M | 5024.73M | 4260.82M | 3210.86M | -854.50M |
| Free cash flow | 1856.43M | 2963.81M | 1112.99M | 4639.79M | -134.66M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(GBX) |
Price
(GBX) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BGEO Lion Finance Group PLC |
120.00 0.98% |
12380.00 | 7.89 | 6.13 | 3.53 | 1.80 | 5.35 |
| CBKD Commercial International Bank -Egypt S.A.E |
-0.04 1.78% |
2.21 | 0.05 | 3.98 | 3.27 | 1.65 | 3.51 |
| HSBK Halyk Bank of Kazakhstan Joint Stock Company |
-0.50 1.51% |
32.50 | 0.01 | 4.03 | 2.33 | 1.17 | 2.88 |
| LLOY Lloyds Banking Group PLC |
-0.35 0.34% |
102.15 | 14.37 | 10.15 | 3.16 | 1.20 | 4.02 |
| NWG NatWest Group PLC |
-9.60 1.49% |
634.40 | 9.00 | 8.31 | 3.01 | 1.08 | 2.25 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Archil Gachechiladze CFA | CEO & Director | 1980 |
| Nini Arshakuni | Head of Investor Relations | NA |
| Ms. Elene Okromchedlishvili | Head of Human Capital Management | NA |
| Mr. Kakhaber Kiknavelidze | Sr. Advisor | 1972 |
| Mr. Sulkhan Gvalia | Deputy CEO of JSC Bank of Georgia & CFO of JSC Bank of Georgia | 1974 |
| Mr. Mikheil Gomarteli | Deputy Chief Exec. Officer of Strategic Projects Directions | 1976 |
| Mr. Nika Gilauri | Head of Istanbul | NA |
| Mr. Levan Kulijanishvili | COO of JSC Bank of Georgia & Deputy CEO of JSC Bank of Georgia | 1974 |
| Ms. Eteri Iremadze | Deputy CEO of Premium Banking Bus. (Solo & Wealth Management) - JSC Bank of Georgia | NA |
| Mr. Zurab Masurashvili | Head of SME Bus. Banking - JSC Bank of Georgia | NA |
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