ScoreWhy is TBC Bank Group Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 3.28%
- Healthy long term growth as Net profit has grown by an annual rate of 25.57%
2
With ROA of 3.12%, it has a very attractive valuation with a 1.40 Price to Book Value
- Over the past year, while the stock has generated a return of 19.68%, its profits have risen by 6.1% ; the PEG ratio of the company is 0.9
3
Market Beating performance in long term as well as near term
- Along with generating 19.68% 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 TBC Bank 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 TBC Bank Group Plc for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
TBC Bank Group Plc
19.68%
2.98
35.99%
FTSE 100
16.06%
1.36
11.82%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.41%
EBIT Growth (5y)
42.60%
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
35.17%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.40
EV to EBIT
9.32
EV to EBITDA
8.36
EV to Capital Employed
1.22
EV to Sales
2.97
PEG Ratio
0.90
Dividend Yield
0.04%
ROCE (Latest)
13.12%
ROE (Latest)
22.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at GBP 183.05 MM
NET SALES(Q)
Highest at GBP 351.05 MM
NET PROFIT(Q)
Highest at GBP 106.45 MM
EPS(Q)
Highest at GBP 1.91
-4What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 25.83%
GROSS NPA (%)
(Q
Here's what is working for TBC Bank Group Plc
NII
Highest at GBP 183.05 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (GBP MM)
Net Sales
Highest at GBP 351.05 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Net Profit
Highest at GBP 106.45 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 1.91
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Depreciation
Highest at GBP 13.41 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 TBC Bank Group Plc
Non Performing Loans (%)
Highest at 3.26%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 25.83% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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