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 Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 28.59%
2
The company has declared Positive results for the last 3 consecutive quarters
- NII(Q) Highest at GBP 159.03 MM
- NET SALES(Q) Highest at GBP 313.94 MM
- CASH AND EQV(HY) Highest at GBP 3,234.49 MM
3
With ROA of 3.28%, it has a very attractive valuation with a 1.68 Price to Book Value
- Over the past year, while the stock has generated a return of 33.28%, its profits have risen by 4.8% ; the PEG ratio of the company is 2.1
4
Market Beating Performance
- The stock has generated a return of 33.28% in the last 1 year, much higher than market (FTSE 100) returns of 15.94%
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
33.28%
1.69
36.09%
FTSE 100
15.94%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.26%
EBIT Growth (5y)
42.42%
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
32.86%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.68
EV to EBIT
9.20
EV to EBITDA
8.30
EV to Capital Employed
1.39
EV to Sales
3.16
PEG Ratio
2.11
Dividend Yield
0.06%
ROCE (Latest)
15.09%
ROE (Latest)
24.37%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at GBP 159.03 MM
NET SALES(Q)
Highest at GBP 313.94 MM
CASH AND EQV(HY)
Highest at GBP 3,234.49 MM
-3What is not working for the Company
INTEREST(9M)
At GBP 451.14 MM has Grown at 25.1%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 28.88%
Here's what is working for TBC Bank Group Plc
NII
Highest at GBP 159.03 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 313.94 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Cash and Eqv
Highest at GBP 3,234.49 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at GBP 11.19 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
Interest
At GBP 451.14 MM has Grown at 25.1%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Dividend Payout Ratio
Lowest at 28.88%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Capital Adequacy Ratio
Lowest at 19.8%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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