Financials TBC Bank Group PLC

Equities

TBCG

GB00BYT18307

Banks

Real-time Estimate Cboe Europe 15:25:00 22/05/2024 BST 5-day change 1st Jan Change
2,720 GBX +0.18% Intraday chart for TBC Bank Group PLC +7.96% -3.49%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 717 679.7 899.5 1,237 1,536 5,151 - -
Enterprise Value (EV) 1 717 679.7 899.5 1,237 1,536 5,151 5,151 5,151
P/E ratio 1.33 x 2.17 x 1.15 x 1.27 x 1.38 x 4.28 x 3.52 x 3 x
Yield - - 22.2% 24% 25.5% 8.18% 9.46% 10.9%
Capitalization / Revenue 0.64 x 0.59 x 0.62 x 0.6 x 0.65 x 1.84 x 1.55 x 1.32 x
EV / Revenue 0.64 x 0.59 x 0.62 x 0.6 x 0.65 x 1.84 x 1.55 x 1.32 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.27 x 0.23 x 0.25 x 0.32 x - - - -
Nbr of stocks (in thousands) 55,156 54,378 54,515 54,488 54,268 54,181 - -
Reference price 2 13.00 12.50 16.50 22.70 28.30 95.06 95.06 95.06
Announcement Date 20/02/20 19/02/21 18/02/22 22/02/23 16/02/24 - - -
1GEL in Million2GEL
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,128 1,156 1,452 2,071 2,374 2,797 3,323 3,905
EBITDA - - - - - - - -
EBIT 1 677.5 671 906.2 1,379 1,515 1,605 1,973 2,348
Operating Margin 60.05% 58.06% 62.41% 66.62% 63.81% 57.37% 59.39% 60.14%
Earnings before Tax (EBT) 1 585.5 319.1 921.4 1,247 1,334 1,463 1,805 2,138
Net income 1 537.9 317.8 800.8 995.2 1,124 1,244 1,526 1,738
Net margin 47.68% 27.5% 55.15% 48.06% 47.36% 44.49% 45.91% 44.51%
EPS 2 9.760 5.760 14.30 17.86 20.58 22.21 27.03 31.64
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - 3.660 5.450 7.220 7.780 8.996 10.32
Announcement Date 20/02/20 19/02/21 18/02/22 22/02/23 16/02/24 - - -
1GEL in Million2GEL
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S2 2022 Q1 2022 Q3
Net sales - 408.5 -
EBITDA - - -
EBIT - - -
Operating Margin - - -
Earnings before Tax (EBT) - 248.1 -
Net income 1 - 224 319
Net margin - 54.83% -
EPS - - -
Dividend per Share 2.160 - -
Announcement Date 18/02/22 18/05/22 04/11/22
1GEL in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 22.6% 11.7% 24.4% 27% 26.5% 25.5% 25.3% 26.6%
ROA (Net income/ Total Assets) 3.3% 1.6% 3.4% 3.8% - - - -
Assets 1 16,300 19,860 23,552 26,190 - - - -
Book Value Per Share 47.90 53.80 66.80 71.00 - - - -
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 20/02/20 19/02/21 18/02/22 22/02/23 16/02/24 - - -
1GEL in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
5
Last Close Price
95.06 GEL
Average target price
133.5 GEL
Spread / Average Target
+40.41%
Consensus

Annual profits - Rate of surprise

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