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 profit has grown by an annual rate of 37.16%
2
The company has declared Positive results for the last 3 consecutive quarters
- NII(Q) Highest at GBP 250.85 MM
- NET SALES(Q) Highest at GBP 435.31 MM
- GROSS NPA (%)(Q) Lowest at 1.69%
3
With ROA of 3.55%, it has a very attractive valuation with a 1.94 Price to Book Value
- Over the past year, while the stock has generated a return of 88.77%, its profits have risen by 11% ; the PEG ratio of the company is 0.6
4
Market Beating performance in long term as well as near term
- Along with generating 88.77% returns in the last 1 year, the stock has outperformed FTSE 100 in the last 3 years, 1 year and 3 months
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
88.77%
8.80
31.71%
FTSE 100
16.06%
1.36
11.82%
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
1.94
EV to EBIT
10.42
EV to EBITDA
9.53
EV to Capital Employed
1.51
EV to Sales
4.54
PEG Ratio
0.59
Dividend Yield
1.51%
ROCE (Latest)
14.47%
ROE (Latest)
24.61%
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
Bullish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at GBP 250.85 MM
NET SALES(Q)
Highest at GBP 435.31 MM
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Highest at GBP 209.34 MM
PRE-TAX PROFIT(Q)
Highest at GBP 209.34 MM
NET PROFIT(Q)
Highest at GBP 172.61 MM
EPS(Q)
Highest at GBP 4.01
-3What is not working for the Company
INTEREST(9M)
At GBP 546.43 MM has Grown at 17.85%
Here's what is working for Bank of Georgia Group Plc
NII
Highest at GBP 250.85 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 435.31 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Non Performing Loans (%)
Lowest at 1.69%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at GBP 209.34 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Pre-Tax Profit
Highest at GBP 209.34 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 172.61 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 4.01
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Depreciation
Highest at GBP 18.64 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
Interest
At GBP 546.43 MM has Grown at 17.85%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
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