0.00%
7.40%
19.07%
19.07%
16.38%
125.07%
176.95%
AI Spotlight on TBCG
Company Description
TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, brokerage, and card processing services to corporate and individual customers in Georgia, Azerbaijan, and Uzbekistan.The company operates through Retail; Corporate; and Micro, Small and Medium Enterprises segments.It offers various current/settlement accounts, and term deposits; mortgage, consumer, retail, and corporate loans, as well as loans for micro, small, and medium enterprises; credit cards, credit lines, letters of credit, and guarantees; and money transfer and currency exchange services.
The company also provides motor, life and personal accident, property, health, and other insurance products; investment, brokerage, and corporate finance solutions; and card processing, leasing, PR and marketing, real estate management, asset management, food and beverage, risk monitoring, education, computer and software, e-commerce, and postal services, as well as internet and mobile banking services.The company operates through a network of 147 branches; 1,600 automated teller machines; 26,000 active merchant terminals; and 4,200 self-service terminals.TBC Bank Group PLC was founded in 1992 and is based in Tbilisi, Georgia.
Market Data
| Last Price | 3340 |
| Change Percentage | 0.00% |
| Open | 3315 |
| Previous Close | 3340 |
| Market Cap ( Millions) | 1878 |
| Volume | 406831 |
| Year High | 3590 |
| Year Low | 29.8 |
| M A 50 | 3059.7 |
| M A 200 | 2886.83 |
Financial Ratios
| FCF Yield | 1.86% |
| Dividend Yield | 0.06% |
| ROE | 25.47% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 0.36 |
| Price Earnings Ratio | 1.5 |
| Price To FCF | 53.82 |
| Price To sales | 0.7 |
| EV / EBITDA | 0 |
News
- Jan -29 - UK Growth Stocks With High Insider Ownership
- Jan -16 - Top UK Dividend Stocks To Watch In January 2025
- Dec -20 - TBC Bank Uzbekistan secures $37m investment, making 2024 a record year
- Dec -18 - Top 3 UK Dividend Stocks For Your Portfolio
- Dec -09 - 3 UK Stocks Estimated To Be Up To 48.4% Below Intrinsic Value
- Nov -25 - TBC Bank Uzbekistan Secures $10m from EBRD
- Nov -25 - 3 UK Growth Stocks With High Insider Ownership And Up To 124% Earnings Growth
- Nov -19 - Top 3 UK Dividend Stocks To Consider
- Nov -07 - TBC Bank Group PLC (FRA:LR6) Q3 2024 Earnings Call Highlights: Record Profits and Robust Growth ...
- Nov -07 - 3 UK Stocks Estimated To Be 40.7% To 48.8% Below Intrinsic Value
- Nov -04 - 3 Top UK Dividend Stocks Yielding Up To 7.1%
- Oct -25 - Discover 3 UK Growth Stocks With Up To 38% Insider Ownership
- Oct -24 - UK Growth Stocks With High Insider Ownership For October 2024
- Oct -24 - 3 UK Stocks That Could Be Undervalued By Up To 40.3%
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- Oct -22 - Top UK Growth Stocks With Insider Ownership In October 2024
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- Oct -21 - 3 UK Growth Stocks With Up To 38% Insider Ownership
- Oct -18 - 3 Growth Companies With High Insider Ownership On The UK Exchange
- Oct -17 - 3 UK Growth Stocks With Up To 38% Insider Ownership
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail
Expected Growth : 10 %
What the company do ?
Retail from TBC Bank Group PLC offers personal and business banking services, including loans, credit cards, and deposit products to individuals and SMEs in Georgia.
Why we expect these perspectives ?
TBC Bank's Retail segment growth is driven by increasing consumer lending, particularly in mortgage and credit card products, as well as growing deposits and transactional volumes. Strong digitalization efforts, expansion of branch network, and strategic partnerships also contribute to the growth. Additionally, Georgia's economic growth and increasing consumer spending power support the segment's 10% growth.
Segment n°2 -> Corporate Banking
Expected Growth : 12 %
What the company do ?
Corporate Banking from TBC Bank Group PLC provides tailored financial solutions to large corporations, SMEs, and government institutions, offering cash management, trade finance, and lending services.
Why we expect these perspectives ?
TBC Bank Group PLC's 12% growth in Corporate Banking is driven by increasing demand for trade finance and cash management services, expansion into new markets, and strategic partnerships with large corporates. Additionally, the bank's digital transformation efforts, improved risk management, and competitive pricing strategies have contributed to its growth momentum.
Segment n°3 -> Micro, Small and Medium Enterprises
Expected Growth : 9 %
What the company do ?
Micro, Small and Medium Enterprises (MSMEs) from TBC Bank Group PLC refer to businesses with fewer than 250 employees and annual turnover below ₾50 million, driving economic growth and innovation in Georgia.
Why we expect these perspectives ?
TBC Bank Group PLC's 9% growth in Micro, Small and Medium Enterprises (MSMEs) is driven by increased access to credit, government initiatives, and a growing entrepreneurial spirit. Additionally, digitalization, e-commerce adoption, and a favorable business environment have contributed to the segment's growth.
Segment n°4 -> Uzbekistan Operations
Expected Growth : 8 %
What the company do ?
Uzbekistan Operations refers to TBC Bank Group PLC's banking and financial services in Uzbekistan, offering a range of products and services to individuals and businesses.
Why we expect these perspectives ?
Uzbekistan operations of TBC Bank Group PLC achieved 8% growth driven by increasing demand for digital banking services, strategic partnerships with local businesses, and government initiatives to promote financial inclusion. Additionally, the bank's focus on SME lending and expansion into rural areas contributed to the growth.
Segment n°5 -> Corporate Centre and Other Operations
Expected Growth : 11 %
What the company do ?
Corporate Centre and Other Operations is the central management hub of TBC Bank Group PLC, overseeing strategic planning, risk management, and support functions.
Why we expect these perspectives ?
TBC Bank Group PLC's Corporate Centre and Other Operations segment growth of 11% is driven by effective cost management, optimization of operational expenses, and strategic investments in digital transformation. Additionally, the segment benefits from a strong risk management framework, efficient capital allocation, and a favorable macroeconomic environment in Georgia, contributing to its robust growth.
Segment n°6 -> Other Operations and Eliminations
Expected Growth : 7 %
What the company do ?
Other Operations and Eliminations from TBC Bank Group PLC refers to the consolidation of non-banking activities, inter-segment eliminations, and other adjustments.
Why we expect these perspectives ?
TBC Bank Group PLC's Other Operations and Eliminations segment growth of 7% is driven by increased treasury income, higher gains on sale of investments, and improved cost management. Additionally, the segment benefits from a favorable macroeconomic environment, with a growing Georgian economy and a stable currency. These factors contribute to the segment's robust growth, supporting the bank's overall profitability.
Tbc Bank Group Plc Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Provides personal banking services to individuals, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Offers customized banking solutions to corporate clients, including cash management, trade finance, and lending services. |
| Micro, Small and Medium-Sized Enterprises (MSME) Banking | Provides specialized banking services to MSMEs, including business loans, overdrafts, and cash management solutions. |
| Card Products | Issues and acquires various types of cards, including debit, credit, and prepaid cards, for individuals and businesses. |
| Digital Banking | Offers online and mobile banking services, enabling customers to manage their accounts, make payments, and access financial services remotely. |
| Trade Finance | Provides import and export financing, letter of credit, and other trade-related services to facilitate international trade. |
| Treasury Services | Offers cash management, foreign exchange, and investment services to help clients manage their treasury functions. |
TBC Bank Group PLC's Porter Forces
Threat Of Substitutes
The threat of substitutes for TBC Bank Group PLC is moderate due to the presence of alternative banking services and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is low due to the bank's strong brand reputation and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate due to the bank's dependence on technology providers and other third-party vendors.
Threat Of New Entrants
The threat of new entrants is high due to the increasing trend of fintech companies and digital banking platforms.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the banking industry and the presence of established players.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 50.61% |
| Debt Cost | 9.38% |
| Equity Weight | 49.39% |
| Equity Cost | 9.38% |
| WACC | 9.38% |
| Leverage | 102.48% |
TBC Bank Group PLC : Quality Control
TBC Bank Group PLC passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BTS.VI | Bank für Tirol und Vorarlberg AG, together with its subsidiaries, provides corporate and retail banking products and services in Austria and internationally. It operates through five segments: Corporate Customers, private … |
| PCZ.DE | ProCredit Holding AG & Co. KGaA, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company's … |
| CRBP2.PA | Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative provides a range of banking and financial products and services to individuals, farmers, professionals, businesses, companies, associations, and public authorities. … |
| VATN.SW | Valiant Holding AG, together with its subsidiaries, provides financial services to private retail clients, affluent private clients, self-employed individuals, and small and medium-sized companies. The company offers savings; real estate … |
| SPOL.OL | SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, the public sector, clubs, and societies. The company offers deposits, financing, savings, advisory, life and non-life insurance, and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 Ostlandet
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1-Year Total Return ->
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Valiant Holding
A-Score
1-Year Total Return ->
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BTV
A-Score
1-Year Total Return ->
4
Crédit Agricole Brie Picardie
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1-Year Total Return ->
5
TBC Bank
A-Score
1-Year Total Return ->
6
