TBC Bank Group PLC

$ 4 530.00 -1.44 %

TBC Bank Group PLC operates as a financial services conglomerate, delivering a comprehensive suite of banking, leasing, brokerage, and card processing solutions. It caters to both corporate entities and individual clients across Georgia, Azerbaijan, and Uzbekistan. The company's operations are strategically organized into three core segments: Retail, Corporate, and Micro, Small and Medium Enterprises. Its diverse financial offerings encompass a range of account types, including current, settlement, and term deposits. TBC provides various lending products, such as mortgages, consumer loans, retail and corporate financing, alongside specialized credit facilities tailored for micro, small, and medium enterprises. Furthermore, the group extends credit cards, credit lines, letters of credit, and guarantees, coupled with essential services like money transfers and currency exchange. Beyond its primary banking functions, TBC Bank Group PLC diversifies its portfolio with insurance products covering motor, life, personal accident, property, and health. The company also offers sophisticated investment, brokerage, and corporate finance solutions. Its expansive service spectrum further includes dedicated card processing, leasing, public relations and marketing, real estate management, asset management, food and beverage operations, risk monitoring, educational initiatives, computer and software services, e-commerce platforms, and postal services, all complemented by robust internet and mobile banking functionalities. The company maintains an extensive operational infrastructure, featuring 147 physical branches, 1,600 automated teller machines (ATMs), 26,000 active merchant terminals, and 4,200 self-service terminals. Established in 1992, TBC Bank Group PLC is headquartered in Tbilisi, Georgia.

CEO: Vakhtang Butskhrikidze - https://www.tbcbankgroup.com

Price objectif

-

Recommandation

-

DCF

$ 17 410.14

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TBCG.L vs S&P500

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Quick ratio

0.15

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

6.32

may indicate that the company is undervalued or has poor growth prospects.

EPS

7.17

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

23.51 %

is generally considered excellent, indicating that the company is generating strong profits with its equity.

ROIC

12.79 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

22.28

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.46

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

0.00

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

0.00 %

the dividend payout ratio is the measure of dividends paid out to shareholders relative to the company's net income.

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
-0.28 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.15 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.07 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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