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TBC Bank Group PLC
TBCG.L: LSELowest reading is at 31 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Vakhtang Butskhrikidze
Market Cap
2.93 Billion GBp
Sector
Financial Services
Website
https://www.tbcbankgroup.comLast Update
27/09/2026, 18:06:14
Description
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.
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Strongest readings
- ✔Share count has been falling at 0.15% per year
Weakest readings
- ✘Price-to-earnings of 696.2 is above the market average of 19.6
- ✘The current price sits above estimated fair value (margin of safety -99.33%)
- ✘Earnings and cashflow growth is weak (growth score 31 out of 100)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 696.19x | 19.60x | |
| ✘ | Margin of safety (DCF) | -99.33% | 17.95% | |
| ✘ | Revenue growth (5y average) | 5.74% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.00% | 1.85% | |
| ✔ | Share count, per year | -0.15% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
51 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 696.19x | 19.60x | |
| ✘ | Free cashflow yield | 0.26% | 4.70% | |
| ✘ | Price / earnings growth | 114.10x | 1.50x | |
| Price / book | 42.79x | — | ||
| ✘ | Margin of safety | -99.33% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 36.01 GBp is below the current price of 5.33 Thousand GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 247.1 GBp ✘
Current Price: 5335 GBp
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
31 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 5.74% | 10.97% | |
| ✘ | Earnings growth | 6.67% | 14.48% | |
| ✘ | Cashflow growth | 0.00% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
52 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Debt / equity | 1.01x | 0.80x | |
| ✔ | Debt / total capital | 0.50x | 1.00x | |
| Equity / assets | 15.47% | — | ||
| Loans / deposits | 1.07x | — | ||
| Net interest margin | 1.48% | — | ||
| Loan-loss cover | 2.11% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Management
69 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 5.56% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.86% | — | ||
| Free cashflow return on capital | 4.94% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✔ | Share count, per year | -0.15% | 0.00% | |
| ✔ | Share count, recent | 0.00% | 0.00% | |
| ✔ | Realized buyback return | 8980.23% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 34.85% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 51 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
TBCG.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
TBC Bank Group PLC
Currency
GBp
Beta
0.652
Vol Avg
90317
Ceo
Mr. Vakhtang Butskhrikidze
Cik
Cusip
Exchange
LSE
Full Time Employees
14000
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
100 Bishopsgate
City
London
State
Country
United Kingdom
Zip
EC2N 4AG
Phone
Analysis Last Updated
27/09/2026, 18:06:14
Financial data compiled from SEC EDGAR filings and Yahoo Finance.