Bank of Georgia Group PLC Logo

Bank of Georgia Group PLC

BGEO.L

(3.0)
Stock Price

4.915,00 GBp

4.65% ROA

39.3% ROE

0.75x PER

Market Cap.

1.658.802.600,00 GBp

95.09% DER

6.26% Yield

73.89% NPM

Bank of Georgia Group PLC Stock Analysis

Bank of Georgia Group PLC Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Georgia Group PLC Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (38.82%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

With a remarkably low PBV ratio (0.35x), the stock offers substantial upside potential at a bargain price.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROA

The stock's ROA (5.72%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock maintains a fair debt to equity ratio (65%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

8 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

9 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (90) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Bank of Georgia Group PLC Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Georgia Group PLC Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bank of Georgia Group PLC Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Georgia Group PLC Revenue
Year Revenue Growth
2005 0
2006 113.832.000 100%
2007 244.613.000 53.46%
2008 363.278.000 32.67%
2009 330.301.000 -9.98%
2010 346.633.000 4.71%
2011 441.219.000 21.44%
2012 498.255.000 11.45%
2013 630.114.000 20.93%
2014 671.999.000 6.23%
2015 917.208.000 26.73%
2016 1.051.260.000 12.75%
2017 1.076.547.000 2.35%
2018 1.030.439.000 -4.47%
2019 1.110.270.000 7.19%
2020 1.090.659.000 -1.8%
2021 1.365.677.000 20.14%
2022 2.393.112.000 42.93%
2023 2.569.812.000 6.88%
2023 2.550.057.000 -0.77%
2024 3.861.732.000 33.97%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Georgia Group PLC Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Georgia Group PLC General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 6.505.494
2006 11.587.000 43.86%
2007 20.833.000 44.38%
2008 33.712.000 38.2%
2009 29.506.000 -14.25%
2010 31.127.000 5.21%
2011 29.091.000 -7%
2012 67.041.000 56.61%
2013 60.364.000 -11.06%
2014 73.185.000 17.52%
2015 90.919.000 19.51%
2016 124.312.000 26.86%
2017 136.177.000 8.71%
2018 112.654.000 -20.88%
2019 106.157.000 -6.12%
2020 105.531.000 -0.59%
2021 129.524.000 18.52%
2022 164.450.000 21.24%
2023 184.324.000 10.78%
2023 122.588.000 -50.36%
2024 280.988.000 56.37%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Georgia Group PLC EBITDA
Year EBITDA Growth
2005 20.926.056
2006 74.550.000 71.93%
2007 208.502.000 64.24%
2008 206.550.000 -0.95%
2009 191.849.000 -7.66%
2010 334.176.000 42.59%
2011 447.967.000 25.4%
2012 518.219.000 13.56%
2013 523.588.000 1.03%
2014 547.402.000 4.35%
2015 782.756.000 30.07%
2016 832.465.000 5.97%
2017 1.045.394.000 20.37%
2018 1.145.692.000 8.75%
2019 632.240.000 -81.21%
2020 398.076.000 -58.82%
2021 892.248.000 55.39%
2022 2.815.793.000 68.31%
2023 1.805.520.000 -55.95%
2023 17.991.000 -9935.68%
2024 2.274.696.000 99.21%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Georgia Group PLC Gross Profit
Year Gross Profit Growth
2005 0
2006 113.832.000 100%
2007 244.613.000 53.46%
2008 363.278.000 32.67%
2009 330.301.000 -9.98%
2010 346.633.000 4.71%
2011 441.219.000 21.44%
2012 546.880.000 19.32%
2013 630.114.000 13.21%
2014 668.162.000 5.69%
2015 917.054.000 27.14%
2016 1.067.255.000 14.07%
2017 1.076.506.000 0.86%
2018 1.036.394.000 -3.87%
2019 1.110.270.000 6.65%
2020 1.090.659.000 -1.8%
2021 1.365.677.000 20.14%
2022 2.393.112.000 42.93%
2023 2.569.812.000 6.88%
2023 2.386.310.000 -7.69%
2024 3.861.732.000 38.21%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Georgia Group PLC Net Profit
Year Net Profit Growth
2005 13.838.347
2006 26.983.000 48.71%
2007 72.484.000 62.77%
2008 3.897.000 -1759.99%
2009 -91.370.000 104.27%
2010 83.640.000 209.24%
2011 132.531.000 36.89%
2012 174.437.000 24.02%
2013 201.490.000 13.43%
2014 232.509.000 13.34%
2015 303.694.000 23.44%
2016 398.538.000 23.8%
2017 437.615.000 8.93%
2018 468.996.000 6.69%
2019 497.664.000 5.76%
2020 293.584.000 -69.51%
2021 723.806.000 59.44%
2022 1.439.507.000 49.72%
2023 1.423.212.000 -1.14%
2023 1.391.277.000 -2.3%
2024 1.711.776.000 18.72%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Georgia Group PLC Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 2 100%
2007 3 50%
2008 0 0%
2009 -2 100%
2010 3 150%
2011 4 50%
2012 5 20%
2013 6 0%
2014 7 16.67%
2015 8 14.29%
2016 10 30%
2017 12 9.09%
2018 10 -22.22%
2019 10 10%
2020 6 -66.67%
2021 15 60%
2022 30 50%
2023 32 6.25%
2023 31 -3.23%
2024 11 -181.82%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Georgia Group PLC Free Cashflow
Year Free Cashflow Growth
2005 -63.630.044
2006 -20.563.000 -209.44%
2007 304.977.000 106.74%
2008 -287.803.000 205.97%
2009 169.392.000 269.9%
2010 267.500.000 36.68%
2011 131.808.000 -102.95%
2012 204.952.000 35.69%
2013 389.508.000 47.38%
2014 -98.914.000 493.78%
2015 744.435.000 113.29%
2016 858.798.000 13.32%
2017 600.808.000 -42.94%
2018 475.677.000 -26.31%
2018 504.516.000 5.72%
2019 578.181.000 12.74%
2020 951.296.000 39.22%
2021 -134.655.000 806.47%
2022 4.639.786.000 102.9%
2023 1.112.992.000 -316.88%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Georgia Group PLC Operating Cashflow
Year Operating Cashflow Growth
2005 -63.630.044
2006 9.714.000 755.03%
2007 379.215.000 97.44%
2008 -164.922.000 329.94%
2009 193.916.000 185.05%
2010 309.339.000 37.31%
2011 208.047.000 -48.69%
2012 265.395.000 21.61%
2013 460.100.000 42.32%
2014 -18.455.000 2593.09%
2015 901.923.000 102.05%
2016 1.133.559.000 20.43%
2017 937.187.000 -20.95%
2018 475.677.000 -97.02%
2018 599.612.000 20.67%
2019 703.669.000 14.79%
2020 1.059.638.000 33.59%
2021 -37.080.000 2957.71%
2022 4.761.452.000 100.78%
2023 1.268.362.000 -275.4%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Georgia Group PLC Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 30.277.000 100%
2007 74.238.000 59.22%
2008 122.881.000 39.59%
2009 24.524.000 -401.06%
2010 41.839.000 41.38%
2011 76.239.000 45.12%
2012 60.443.000 -26.13%
2013 70.592.000 14.38%
2014 80.459.000 12.26%
2015 157.488.000 48.91%
2016 274.761.000 42.68%
2017 336.379.000 18.32%
2018 0 0%
2018 95.096.000 100%
2019 125.488.000 24.22%
2020 108.342.000 -15.83%
2021 97.575.000 -11.03%
2022 121.666.000 19.8%
2023 155.370.000 21.69%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Georgia Group PLC Equity
Year Equity Growth
2005 91.463.016
2006 374.858.000 75.6%
2007 557.991.000 32.82%
2008 718.849.000 22.38%
2009 598.417.000 -20.13%
2010 693.341.000 13.69%
2011 812.603.000 14.68%
2012 1.059.512.000 23.3%
2013 1.241.054.000 14.63%
2014 1.634.093.000 24.05%
2015 2.073.638.000 21.2%
2016 2.423.418.000 14.43%
2017 2.732.370.000 11.31%
2018 1.798.273.000 -51.94%
2019 2.150.908.000 16.39%
2020 2.549.915.000 15.65%
2021 3.092.908.000 17.56%
2022 4.248.822.000 27.21%
2023 4.735.178.000 10.27%
2023 5.019.836.000 5.67%
2024 6.163.291.000 18.55%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Georgia Group PLC Assets
Year Assets Growth
2005 462.821.621
2006 1.213.326.000 61.86%
2007 2.953.611.000 58.92%
2008 3.258.907.000 9.37%
2009 2.913.429.000 -11.86%
2010 4.004.922.000 27.25%
2011 4.665.261.000 14.15%
2012 5.655.595.000 17.51%
2013 6.520.969.000 13.27%
2014 7.598.917.000 14.19%
2015 10.130.093.000 24.99%
2016 12.989.453.000 22.01%
2017 15.168.669.000 14.37%
2018 14.798.303.000 -2.5%
2019 18.569.497.000 20.31%
2020 22.035.920.000 15.73%
2021 23.430.076.000 5.95%
2022 28.901.900.000 18.93%
2023 30.849.813.000 6.31%
2023 31.757.558.000 2.86%
2024 46.528.421.000 31.75%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Georgia Group PLC Liabilities
Year Liabilities Growth
2005 371.358.604
2006 838.468.000 55.71%
2007 2.395.620.000 65%
2008 2.540.058.000 5.69%
2009 2.315.012.000 -9.72%
2010 3.311.581.000 30.09%
2011 3.852.658.000 14.04%
2012 4.596.083.000 16.18%
2013 5.279.915.000 12.95%
2014 5.964.824.000 11.48%
2015 8.056.455.000 25.96%
2016 10.566.035.000 23.75%
2017 12.436.299.000 15.04%
2018 13.000.030.000 4.34%
2019 16.418.589.000 20.82%
2020 19.486.005.000 15.74%
2021 20.337.168.000 4.19%
2022 24.653.078.000 17.51%
2023 3.734.078.000 -560.22%
2023 26.737.722.000 86.03%
2024 40.365.130.000 33.76%

Bank of Georgia Group PLC Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
66.52
Net Income per Share
49.15
Price to Earning Ratio
0.75x
Price To Sales Ratio
0.57x
POCF Ratio
1.38
PFCF Ratio
1.51
Price to Book Ratio
0.26
EV to Sales
0.54
EV Over EBITDA
0.72
EV to Operating CashFlow
1.33
EV to FreeCashFlow
1.42
Earnings Yield
1.33
FreeCashFlow Yield
0.66
Market Cap
1,66 Bil.
Enterprise Value
1,56 Bil.
Graham Number
394.15
Graham NetNet
-784.71

Income Statement Metrics

Net Income per Share
49.15
Income Quality
0.55
ROE
0.39
Return On Assets
0.05
Return On Capital Employed
0.05
Net Income per EBT
0.88
EBT Per Ebit
1
Ebit per Revenue
0.84
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.99
Operating Profit Margin
0.84
Pretax Profit Margin
0.84
Net Profit Margin
0.74

Dividends

Dividend Yield
0.06
Dividend Yield %
6.26
Payout Ratio
0.18
Dividend Per Share
2.32

Operating Metrics

Operating Cashflow per Share
26.78
Free CashFlow per Share
25.12
Capex to Operating CashFlow
0.06
Capex to Revenue
0.02
Capex to Depreciation
1.72
Return on Invested Capital
0.18
Return on Tangible Assets
0.05
Days Sales Outstanding
20.94
Days Payables Outstanding
915.77
Days of Inventory on Hand
0
Receivables Turnover
17.43
Payables Turnover
0.4
Inventory Turnover
0
Capex per Share
1.66

Balance Sheet

Cash per Share
135,85
Book Value per Share
141,00
Tangible Book Value per Share
133.43
Shareholders Equity per Share
140.47
Interest Debt per Share
164.45
Debt to Equity
0.95
Debt to Assets
0.13
Net Debt to EBITDA
-0.05
Current Ratio
92.07
Tangible Asset Value
5,83 Bil.
Net Current Asset Value
-34,26 Bil.
Invested Capital
7140127000
Working Capital
6,04 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,08 Bil.
Average Payables
0,03 Bil.
Average Inventory
0
Debt to Market Cap
3.52

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Georgia Group PLC Dividends
Year Dividends Growth
2011 18
2012 27 37.04%
2013 58 52.63%
2014 67 14.93%
2015 60 -13.56%
2016 79 25.32%
2017 85 5.95%
2018 76 -12%
2019 72 -4.17%
2021 34 -111.76%
2022 123 72.36%
2023 268 53.93%
2024 232 -15.09%

Bank of Georgia Group PLC Profile

About Bank of Georgia Group PLC

Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia. It operates through three segments: Retail Banking, Corporate and Investment Banking, and BNB. The Retail Banking segment offers consumer loans, mortgage loans, overdrafts, credit cards, and other credit facilities; funds transfer and settlement services; and customers' deposits for individuals and legal entities under the Express, Bank of Georgia, MSME, and SOLO brands. It primarily serves retail, and mass retail and affluent segments, as well as small and medium enterprises, and micro businesses. The Corporate Investment Banking segment provides loans and other credit facilities, funds transfers and settlement services, trade finance services, and documentary operations support services; and handles saving and term deposits for corporate and institutional customers. This segment also offers private banking services to high net worth clients; and brokerage services. The BNB segment provides retail and corporate banking services to clients in Belarus. As of December 31, 2021, the company operated 211 retail branches, 989 automated teller machines, and 3,134 Express Pay terminals. Bank of Georgia Group PLC was incorporated in 2017 and is headquartered in London, the United Kingdom.

CEO
Mr. Archil Gachechiladze CFA
Employee
11.719
Address
42 Brook Street
London, W1K 5DB

Bank of Georgia Group PLC Executives & BODs

Bank of Georgia Group PLC Executives & BODs
# Name Age
1 Mr. Mikheil Gomarteli
Deputy Chief Executive Officer of Strategic Projects Directions
70
2 Mr. Sulkhan Gvalia
Chief Financial Officer & Deputy Chief Executive Officer
70
3 Mr. Levan Gomshiashvili
Chief Marketing & Digital Officer
70
4 Mr. Zurab Kokosadze
Deputy Chief Executive Officer of Corporate & Investment Banking
70
5 Mr. Vakhtang Bobokhidze
Co-Director of International Business
70
6 Ms. Ana Kostava
Chief Legal Officer
70
7 Ms. Elene Okromchedlishvili
Head of Human Capital Management
70
8 Mr. Archil Gachechiladze CFA
Chief Executive Officer & Executive Director
70
9 Mr. Giorgi Gureshidze
Head of Operations
70
10 Nini Arshakuni
Head of Investor Relations
70

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