0R15 8432.9941 0.3331% 0R1E 7697.9961 -2.8767% 0M69 None None% 0R2V 220.12 9997.2477% 0QYR 1224.0 -0.6897% 0QYP 408.94 -0.0147% 0RUK 2670.0 -8.6242% 0RYA 1370.0 9.6% 0RIH 162.15 0.0% 0RIH 156.61 -3.4166% 0R1O 173.7 9825.7143% 0R1O None None% 0QFP 10659.5596 111.4992% 0M2Z 282.6 2.979% 0VSO 27.48 -22.8198% 0R1I None None% 0QZI 512.5 -2.1947% 0QZ0 220.0 0.0% 0NZF None None% 0YXG 153.89 -0.7737%

Bank of Georgia Group PLC

Financial Services GB BGEO

4407.084GBP
-12.916(0.29%)

Last update at 2024-09-05T07:44:00Z

Day Range

4335.004450.00
LowHigh

52 Week Range

2039.683942.99
LowHigh

Fundamentals

  • Previous Close 4420.00
  • Market Cap1796.73M
  • Volume798
  • P/E Ratio3.68
  • Dividend Yield6.89%
  • Revenue TTM2202.67M
  • Revenue Per Share TTM48.53
  • Gross Profit TTM 1882.94M
  • Diluted EPS TTM10.67

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 1634.65M 801.94M 316.50M 556.41M 437.55M
Minority interest -4.49200M -3.31200M 11.37M 9.51M 7.90M
Net income 1439.51M 723.81M 293.58M 497.66M 469.00M
Selling general administrative 164.45M 129.52M 105.53M 106.16M 51.52M
Selling and marketing expenses 40.70M 27.07M 20.62M 21.41M 17.09M
Gross profit 2393.11M 1365.68M 1090.66M 1110.27M 880.51M
Reconciled depreciation 111.09M 93.62M 82.94M 78.12M 45.44M
Ebit 2704.70M 798.63M 315.14M 554.12M 1100.25M
Ebitda 2815.79M 892.25M 398.08M 632.24M 1145.69M
Depreciation and amortization 111.09M 93.62M 82.94M 78.12M 45.44M
Non operating income net other - - - - -
Operating income 2704.70M 798.63M 315.14M 554.12M 499.32M
Other operating expenses 641.19M 507.95M 432.63M 419.95M 30.12M
Interest expense 1074.55M 897.10M 817.78M 647.74M 574.59M
Tax provision 190.65M 74.82M 21.55M 56.46M 56.66M
Interest income 2256.88M 1851.04M 1595.43M 1489.57M 1326.20M
Net interest income 1182.34M 953.94M 777.64M 798.78M 745.66M
Extraordinary items - - - - 107.90M
Non recurring - - - - -
Other items - - - - -
Income tax expense 190.65M 74.82M 21.55M 56.46M 56.66M
Total revenue 2393.11M 1365.68M 1090.66M 1110.27M 1036.39M
Total operating expenses 641.19M 507.95M 432.63M 419.95M 396.27M
Cost of revenue - - - 14.15M 13.42M
Total other income expense net -1070.05400M 3.31M 1.36M 2.29M -61.77200M
Discontinued operations - - - - 107.90M
Net income from continuing ops 1445.00M 727.12M 294.94M 499.95M 380.88M
Net income applicable to common shares 1439.51M 723.81M 293.58M 497.66M 469.00M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 28901.90M 23430.08M 22035.92M 18569.50M 14798.30M
Intangible assets 149.44M 144.25M 125.81M 106.29M 83.37M
Earning assets - - 3320.88M 2689.52M 2452.35M
Other current assets - 16742.18M 14624.02M 12334.29M 9737.12M
Total liab 24653.08M 20337.17M 19486.01M 16418.59M 13000.03M
Total stockholder equity 4231.57M 3079.03M 2538.55M 2141.40M 1790.37M
Deferred long term liab - - - - -
Other current liab -35.16700M -33.52200M -42.32900M -27.43600M 45.30M
Common stock 1.56M 1.62M 1.62M 1.62M 1.62M
Capital stock 1.56M 1.62M 1.62M 1.62M 1.62M
Retained earnings 3821.89M 2588.46M 1939.12M 1655.26M 1277.73M
Other liab - 183.35M 147.71M 65.92M 52.35M
Good will 33.35M 33.35M 33.35M 33.35M 33.35M
Other assets 17437.28M 16742.18M 14871.93M 12390.98M 14798.30M
Cash 6017.87M 3451.95M 3986.96M 3772.70M 2503.43M
Cash and equivalents - - - - -
Total current liabilities 35.17M 33.52M 42.33M 27.44M 10085.19M
Current deferred revenue - - - - -
Net debt 9.22M 2472.84M 1030.19M 2376.11M 888.43M
Short term debt - - - 812.77M 410.68M
Short long term debt - - - 812.77M 410.68M
Short long term debt total 6027.09M 5924.79M 5017.15M 6148.80M 3391.86M
Other stockholder equity 408.12M 488.94M 597.81M 484.53M 737.38M
Property plant equipment 516.24M 458.99M 471.06M 475.88M 344.06M
Total current assets 6415.86M 3455.63M 3989.38M 3776.18M 12265.11M
Long term investments 4349.73M 2595.66M 2544.40M 1843.13M 2072.41M
Net tangible assets 4048.78M 2901.42M 2379.39M 2001.76M 1673.65M
Short term investments - 165.89M - 14.32M 114.64M
Net receivables 397.99M 3.68M 2.42M 3.49M 25.47M
Long term debt - - 2293.19M 2581.56M 2149.59M
Inventory - 11.51M 16.33M 19.46M 17.67M
Accounts payable 35.17M 33.52M 42.33M 27.44M 10.83M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - -256.94400M -226.36500M
Additional paid in capital - - - - -
Common stock total equity - - 1.62M 1.62M 1.62M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - -0.05400M -0.06400M -0.05100M
Accumulated amortization - - - - -
Non currrent assets other -5048.76300M -3232.26000M -3174.61300M -2402.32800M -2072.41500M
Deferred long term asset charges - - - - -
Non current assets total 5048.76M 3232.26M 3174.61M 2402.33M 2533.19M
Capital lease obligations - - - - -
Long term debt total - - - 2676.17M 2149.59M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1832.67300M -86.78900M -673.28400M 184.17M -400.36600M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities - -57.34500M -702.17900M 128.73M -703.27100M
Net borrowings - -105.04900M -572.65400M 259.86M 259.86M
Total cash from financing activities -904.56400M -256.75300M -594.00000M 85.10M -309.00500M
Change to operating activities - -1618.66200M -2462.18900M -1487.83500M -1271.95300M
Net income 1439.51M 723.81M 293.58M 497.66M 469.00M
Change in cash 2064.28M -450.39300M -182.66900M 937.83M -366.63600M
Begin period cash flow 1520.56M 1970.95M 2153.62M 1215.80M 1582.43M
End period cash flow 3584.84M 1520.56M 1970.95M 2153.62M 1215.80M
Total cash from operating activities 4761.45M -37.08000M 1059.64M 703.67M 599.61M
Issuance of capital stock - - - - -
Depreciation 111.09M 93.62M 82.94M 78.12M 45.44M
Other cashflows from investing activities - 0.39M 3.30M 0.21M -283.62100M
Dividends paid 196.95M 71.98M 2.17M 124.05M 121.96M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -180.98100M -79.71900M -19.17700M -50.70500M -88.02800M
Other cashflows from financing activities 122.14M -29.51800M -11.69500M 259.86M -99.01500M
Change to netincome - 242.29M 280.36M 183.25M 471.50M
Capital expenditures 121.67M 97.58M 108.34M 125.49M 95.10M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital - - 1019.41M 690.13M 277.80M
Stock based compensation - - - - -
Other non cash items 3210.86M -854.50400M 1059.64M 703.67M 599.61M
Free cash flow 4639.79M -134.65500M 951.30M 578.18M 504.52M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (GBP) Price (GBP) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
BGEO
Bank of Georgia Group PLC
-12.916 0.29% 4407.08 3.68 3.87 0.80 1.23
SBID
State Bank of India GDR
-0.1 0.10% 98.40 0.07 11.14 0.0002 1.45
LLOY
Lloyds Banking Group PLC
0.44 0.77% 57.50 5.34 5.91 1.52 0.66
AXB
Axis Bank Ltd GDR
1.00 1.44% 70.60 0.18 - 0.0005 2.39
NWG
NatWest Group PLC
1.80 0.54% 337.40 4.42 5.58 1.32 0.54

Reports Covered

Stock Research & News

Profile

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. This segment primarily serves retail, mass retail and affluent, and high-net-worth client 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; handles saving and term deposits for corporate and institutional customers; and offers brokerage services. The BNB segment provides retail and corporate banking services to clients in Belarus. Bank of Georgia Group PLC was incorporated in 2017 and is headquartered in London, the United Kingdom.

Bank of Georgia Group PLC

42 Brook Street, London, United Kingdom, W1K 5DB

Key Executives

Name Title Year Born
Mr. Archil Gachechiladze CFA CEO & Director 1980
Nini Arshakuni Head of Investor Relations NA
Ms. Elene Okromchedlishvili Head of Human Capital Management NA
Mr. Kakhaber Kiknavelidze Sr. Advisor 1972
Mr. Sulkhan Gvalia Deputy CEO of JSC Bank of Georgia & CFO of JSC Bank of Georgia 1974
Mr. Mikheil Gomarteli Deputy Chief Exec. Officer of Strategic Projects Directions 1976
Mr. Nika Gilauri Head of Istanbul NA
Mr. Levan Kulijanishvili COO of JSC Bank of Georgia & Deputy CEO of JSC Bank of Georgia 1974
Ms. Eteri Iremadze Deputy CEO of Premium Banking Bus. (Solo & Wealth Management) - JSC Bank of Georgia NA
Mr. Zurab Masurashvili Head of SME Bus. Banking - JSC Bank of Georgia NA

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