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 173.97 MM
- NET SALES(Q) Highest at GBP 347.86 MM
- CASH AND EQV(HY) Highest at GBP 3,041.48 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 19.55%, its profits have risen by 4.8% ; the PEG ratio of the company is 2.1
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
19.55%
2.40
38.09%
FTSE 100
23.36%
1.83
12.76%
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
Bullish
Mildly Bearish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at GBP 173.97 MM
NET SALES(Q)
Highest at GBP 347.86 MM
CASH AND EQV(HY)
Highest at GBP 3,041.48 MM
OPERATING PROFIT(Q)
Highest at GBP 132.83 MM
PRE-TAX PROFIT(Q)
Highest at GBP 132.83 MM
NET PROFIT(Q)
Highest at GBP 105.73 MM
EPS(Q)
Highest at GBP 1.9
-6What is not working for the Company
INTEREST(9M)
At GBP 495.9 MM has Grown at 21.24%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
DIVIDEND PER SHARE(HY)
Lowest at GBP 0
Here's what is working for TBC Bank Group Plc
NII
Highest at GBP 173.97 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 347.86 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Operating Profit
Highest at GBP 132.83 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Pre-Tax Profit
Highest at GBP 132.83 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 105.73 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 1.9
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Cash and Eqv
Highest at GBP 3,041.48 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at GBP 12.71 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 2.8%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Interest
At GBP 495.9 MM has Grown at 21.24%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Dividend per share
Lowest at GBP 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (GBP)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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