ScoreWhy is Bank of Georgia Group Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 4.49%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 53.65%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Sep 25
- The company has declared positive results for the last 4 consecutive quarters
- NII(Q) Highest at GBP 212.78 MM
- NET SALES(Q) Highest at GBP 380.07 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 20.97%
3
With ROA of 3.54%, it has a attractive valuation with a 2.02 Price to Book Value
- Over the past year, while the stock has generated a return of 61.63%, its profits have fallen by -17%
4
Consistent Returns over the last 3 years
- Along with generating 61.63% returns in the last 1 year, the stock has outperformed FTSE 100 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank of Georgia Group Plc should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Georgia Group Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of Georgia Group Plc
-100.0%
4.74
32.30%
FTSE 100
13.98%
1.15
13.60%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
30.02%
EBIT Growth (5y)
59.30%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
2.02
EV to EBIT
5.19
EV to EBITDA
4.87
EV to Capital Employed
3.13
EV to Sales
2.34
PEG Ratio
NA
Dividend Yield
0.94%
ROCE (Latest)
60.29%
ROE (Latest)
25.78%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at GBP 212.78 MM
NET SALES(Q)
Highest at GBP 380.07 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 20.97%
CASH AND EQV(HY)
Highest at GBP 2,781.48 MM
DIVIDEND PER SHARE(HY)
Highest at GBP 0
OPERATING PROFIT(Q)
Highest at GBP 177.22 MM
PRE-TAX PROFIT(Q)
Highest at GBP 177.22 MM
NET PROFIT(Q)
Highest at GBP 149.98 MM
EPS(Q)
Highest at GBP 3.45
-8What is not working for the Company
NET PROFIT(9M)
At GBP 434.64 MM has Grown at -24.85%
INTEREST(9M)
At GBP 483.11 MM has Grown at 33.18%
OPERATING PROFIT MARGIN(Q)
Lowest at 46.63 %
GROSS NPA (%)
(Q
Here's what is working for Bank of Georgia Group Plc
NII
Highest at GBP 212.78 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at GBP 380.07 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Operating Profit
Highest at GBP 177.22 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Pre-Tax Profit
Highest at GBP 177.22 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Net Profit
Highest at GBP 149.98 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 3.45
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Cash and Eqv
Highest at GBP 2,781.48 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at GBP 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (GBP)
Dividend Payout Ratio
Highest at 20.97%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at GBP 15.49 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (GBP MM)
Here's what is not working for Bank of Georgia Group Plc
Operating Profit Margin
Lowest at 46.63 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Performing Loans (%)
Highest at 1.96%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Interest
At GBP 483.11 MM has Grown at 33.18%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
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