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 48.20%
2
The company has declared Positive results for the last 4 consecutive quarters
- NII(Q) Highest at GBP 193.1 MM
- NET SALES(Q) Highest at GBP 349.48 MM
- CASH AND EQV(HY) Highest at GBP 2,667.25 MM
3
With ROA of 2.61%, it has a attractive valuation with a 1.66 Price to Book Value
- Over the past year, while the stock has generated a return of 97.75%, its profits have fallen by -10.8%
4
Consistent Returns over the last 3 years
- Along with generating 97.75% 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 hold?
- 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
97.75%
4.72
31.91%
FTSE 100
15.94%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
28.40%
EBIT Growth (5y)
44.19%
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
14.88%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.66
EV to EBIT
7.94
EV to EBITDA
7.29
EV to Capital Employed
1.37
EV to Sales
3.67
PEG Ratio
NA
Dividend Yield
0.87%
ROCE (Latest)
17.25%
ROE (Latest)
27.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at GBP 193.1 MM
NET SALES(Q)
Highest at GBP 349.48 MM
CASH AND EQV(HY)
Highest at GBP 2,667.25 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 111.08%
-11What is not working for the Company
INTEREST(9M)
At GBP 438.67 MM has Grown at 57.54%
PRE-TAX PROFIT(Q)
At GBP 171.95 MM has Fallen at -47.98%
NET PROFIT(Q)
At GBP 144.36 MM has Fallen at -53.57%
Here's what is working for Bank of Georgia Group Plc
NII
Highest at GBP 193.1 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 349.48 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Net Sales
At GBP 349.48 MM has Grown at 54.48%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Cash and Eqv
Highest at GBP 2,667.25 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 111.08%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at GBP 14.45 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
Pre-Tax Profit
At GBP 171.95 MM has Fallen at -47.98%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (GBP MM)
Net Profit
At GBP 144.36 MM has Fallen at -53.57%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (GBP MM)
Interest
At GBP 438.67 MM has Grown at 57.54%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Capital Adequacy Ratio
Lowest at 14.7%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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