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Home CompaniesTBC Bank Group PLC

TBC Bank Group PLC

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
4896.0 GBX 64.00 ( 1.32%)
Last update at 2026-10-27T16:35:00Z
VOLUME
50054
Market Cap
2553.58M
P/E
6.77

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
4814.00
Low
4920.00
High
52 Week Price Range
3570.47
Low
4907.88
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
4832.00
Dividend Yield
-
Revenue TTM
2835.71M
Revenue Per Share
51.16
Gross Profit TTM
2835.71M
Debt / Equity
1.10
ROE
23.50%
Net Debt
457.00M
ROCE
9.59%
Diluted EPS TTM
6.85

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Income before tax 1544.09M 1333.83M 1246.54M 921.36M 319.11M
Minority interest -23.58M -15.79M -8.13M -8.22M 11.48M
Net income 1284.05M 1124.18M 995.21M 800.78M 317.75M
Selling general administrative 217.41M 149.07M 213.11M 156.67M 128.48M
Selling and marketing expenses 86.74M 72.72M 45.09M 33.04M 21.98M
Gross profit 2933.78M 2452.24M 2126.48M 1481.50M 1173.59M
Reconciled depreciation 145.29M 115.97M 101.20M 79.89M 68.39M
Ebit 1544.09M 1333.83M 2279.20M 913.14M 314.37M
Ebitda 1689.37M 1449.81M 2380.39M 993.03M 382.76M
Depreciation and amortization 145.29M 115.97M 101.20M 79.89M 68.39M
Operating income 1544.09M 1333.83M 2279.20M 913.14M 314.37M
Other operating expenses 3253.27M 2513.68M 756.68M 588.28M 477.50M
Interest expense 1863.58M 1395.27M 1040.79M 911.27M 853.52M
Tax provision 236.45M 193.86M 243.21M 112.36M -3.38M
Interest income 3694.52M 2948.06M 2330.84M 1885.86M 1668.00M
Net interest income 1830.94M 1552.79M 1290.05M 974.59M 814.48M
Income tax expense 236.45M 193.86M 243.21M 112.36M -3.38M
Total revenue 4797.35M 3847.51M 2126.48M 1481.50M 1173.59M
Total operating expenses 1389.69M 1118.41M 756.68M 588.28M 477.50M
Cost of revenue 1863.58M 1395.27M - - -
Total other income expense net -25.98M -19.05M -1032.65M 8.22M 4.74M
Net income from continuing ops 1307.63M 1139.97M 1003.34M 809.00M 322.49M
Net income applicable to common shares - - 995.21M 800.78M 317.75M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 40160.47M 32964.83M 29032.18M 24508.56M 22577.81M
Intangible assets 589.07M 471.38M 383.20M 319.96M 239.52M
Earning assets - - - - 3082.06M
Other current assets 312.79M 141.06M 2629.51M 17331.71M 15396.70M
Total liab 34421.46M 28144.65M 25066.23M 20816.33M 19641.87M
Total stockholder equity 5555.50M 4683.73M 3879.14M 3644.17M 2924.45M
Other current liab 23877.49M 21179.67M -73.08M -58.95M -41.37M
Common stock 1.72M 1.69M 1.68M 1.68M 1.68M
Capital stock 1.72M 1.69M 1.68M 1.68M 1.68M
Retained earnings 5286.74M 4433.50M 3744.73M 3007.13M 2281.43M
Other liab - - 640.90M 176.15M 73.77M
Good will 59.96M 59.96M 59.96M 59.96M 59.96M
Other assets - 0.00M 18613.35M 17214.69M 15260.71M
Cash 5669.63M 5389.10M 5952.65M 3888.42M 3784.72M
Total current liabilities 24064.59M 21387.21M 73.08M 58.95M 41.37M
Net debt 457.00M -589.02M -3916.16M -1488.32M -1556.50M
Short long term debt total 6126.63M 4800.08M 2036.49M 2400.10M 2228.22M
Other stockholder equity 344.11M 220.00M 132.73M 635.36M 641.35M
Property plant equipment - - 555.51M 463.02M 426.88M
Total current assets 6266.26M 5633.05M 6220.15M 4005.45M 3798.27M
Long term investments 5757.86M 3647.53M 3200.01M 2445.48M 2792.46M
Net tangible assets - - 3435.97M 3264.24M 2624.97M
Short term investments 140.06M -1625.02M - -215.60M -
Net receivables 143.78M 102.90M 267.50M 117.03M 13.55M
Long term debt - - - - 6486.70M
Inventory - 230.25M 302.00M 276.84M 191.54M
Accounts payable 179.43M 121.68M 73.08M 58.95M 41.37M
Accumulated other comprehensive income -77.07M 28.55M - - -
Common stock total equity - - - - 1.68M
Treasury stock - - - - -33.41M
Non currrent assets other 32314.91M 22519.48M -4198.68M -3288.43M -3518.83M
Non current assets total 33894.20M 27331.77M 4198.68M 3288.43M 3518.83M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Investments -2352.06M -617.41M -1404.34M 619.21M -565.42M
Change to liabilities - - 0.00M 0.00M 0.00M
Total cashflows from investing activities -2352.06M -617.41M -1404.34M 540.27M -711.97M
Net borrowings 3308.89M 531.10M 697.21M -1317.63M 804.17M
Total cash from financing activities 5081.32M 82.74M 434.77M -1405.35M 730.93M
Change to operating activities - - -2483.88M -2876.11M -1350.30M
Net income 1284.05M 1124.18M 995.21M 800.78M 317.75M
Change in cash -716.69M -96.73M 2138.68M 86.73M 631.82M
Begin period cash flow 3764.09M 3860.81M 1722.14M 1635.40M 1003.58M
End period cash flow 3047.40M 3764.09M 3860.81M 1722.14M 1635.40M
Total cash from operating activities -3523.74M 472.57M 3502.47M 1046.47M 503.97M
Depreciation 145.00M 116.33M 101.20M 79.89M 68.39M
Other cashflows from investing activities -2011.83M 12.59M - - 0.69M
Dividends paid 275.01M 279.25M 238.97M 87.72M 1.34M
Sale purchase of stock -70.66M -58.99M -65.11M 0.00M -25.49M
Other cashflows from financing activities 2140.48M -110.12M 2690.27M 2033.08M 4082.00M
Change to netincome - - 6.98M 1100.63M 18.33M
Capital expenditures 340.24M 263.24M 226.40M 163.22M 164.38M
Change in working capital -4934.11M -3303.06M - - 726.25M
Stock based compensation 30.96M 33.21M - - -
Other non cash items -49.64M 3775.63M 2406.07M 165.80M 486.22M
Free cash flow -3863.98M 209.33M 3276.08M 883.25M 339.59M

Peer Comparison*

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)
TBCG
TBC Bank Group PLC		 64.00
1.32%		 4896.00 6.77 5.66 2.54 1.39 3.32
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

Profile*

TBC Bank Group PLC

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.

100 Bishopsgate, London, United Kingdom, EC2N 4AG

995 32 227 27 27

https://www.tbcbankgroup.com

12900

Name Title Year Born
Mr. Vakhtang Butskhrikidze CEO & Exec. Director NA
Mr. Giorgi Megrelishvili Chief Financial Officer NA
Ms. Anna Romelashvili Head of Investor Relations NA
Mr. Zoltan Szalai Director of International Media & Investor Relations NA
Ms. Nino Kacheishvili Head of the Retail Loans Department NA
David Japaridze Head of Customer Experience NA
Ms. Tamar Chkhaidze Head of Customer Experience Management group NA
Alexander Iskonyan Deputy Head of Bus. Analysis and Quality Assurance NA
Mr. Victor Kukhalashvili Head of Software Devel. Department NA
Mr. Otar Nadaraia Chief Economist NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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