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 37.16%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 2 consecutive quarters
- NII(Q) Highest at GBP 222.89 MM
- NET SALES(Q) Highest at GBP 403.62 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 21.45%
3
With ROA of 3.55%, it has a very attractive valuation with a 1.97 Price to Book Value
- Over the past year, while the stock has generated a return of 74.39%, its profits have risen by 11% ; the PEG ratio of the company is 0.6
4
Consistent Returns over the last 3 years
- Along with generating 74.39% 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
74.39%
6.68
31.59%
FTSE 100
17.87%
1.52
11.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
31.63%
EBIT Growth (5y)
41.38%
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
20.71%
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
1.97
EV to EBIT
10.54
EV to EBITDA
9.64
EV to Capital Employed
1.53
EV to Sales
4.59
PEG Ratio
0.60
Dividend Yield
1.19%
ROCE (Latest)
14.47%
ROE (Latest)
24.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at GBP 222.89 MM
NET SALES(Q)
Highest at GBP 403.62 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 21.45%
DIVIDEND PER SHARE(HY)
Highest at GBP 0
CREDIT DEPOSIT RATIO(HY)
Highest at 114.98%
-2What is not working for the Company
INTEREST(9M)
At GBP 529.2 MM has Grown at 20.64%
Here's what is working for Bank of Georgia Group Plc
NII
Highest at GBP 222.89 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 403.62 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Dividend per share
Highest at GBP 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (GBP)
Credit Deposit Ratio
Highest at 114.98%
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 (%)
Dividend Payout Ratio
Highest at 21.45%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Bank of Georgia Group Plc
Interest
At GBP 529.2 MM has Grown at 20.64%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
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