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TBC Bank Group PLC (LR6) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

TBC Bank Group PLC

LR6Market cap $3.72BPrice $65.9

Country🇬🇧United Kingdom

SectorFinancials

IndustryBanks

TBC Bank runs Georgia's largest financial institution, controlling roughly 40% of the market through digital-first banking. It's expanding into Uzbekistan, betting on the same mobile-heavy strategy that turned it into the go-to bank for millennials across the Caucasus region.

In Bastion Portfolios?

52W Return+19%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+15%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+20%–

Rev CAGR (5y)+14%9

Earnings Forecast

EPS Growth Y+1+17%8

EPS Growth Y+2+16%8

EPS Growth Y+3+13%7

Quality

Margins

EBIT Margin0%8

Net Income Margin47%10

Free Cash Flow Margin-6%2

Debt

Net Debt/EBITDAna–

Efficiency

ROE24%8

ROA3%5

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)510

P/BV1.48

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-0%8

3 month return+9%8

YTD return+31%8

Mid term

Price vs 52wHigh91%8

1 year return+19%7

Long term

3 year return+114%8

5 year return+114%8

Risk Shield

Price Risk

Beta1.23

Volatility69%2

Free Cash Flow

Free Cash Flow Margin-6%2

Free Cash Flow Yield0.0%10

Quality

ROCE11%5

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

LR6TBC Bank Group

Revenue FY25$1.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+20%–

Revenue, next 5Y, CAGR+14%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+16%8

EPS growth, FY28E+13%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 15%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 14%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 20%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

LR6TBC Bank Group

Total return Current95.7%

Price return Current83.6%

MOMENTUM RATING↗

VERY STRONG85 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+9%8

YTD return+31%8

MID & LONG-TERM▾SCORE

% of 52-week high91%8

1-year return+19%7

3-year return+114%8

5-year return+114%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +114% over three years and +114% over five, ahead of 70% of the market.

It's up 19% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+9%) and so far this year (+31%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on TBC Bank Group PLC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

LR6TBC Bank Group

Revenue FY25$1.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+20%–

Revenue, next 5Y, CAGR+14%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+16%8

EPS growth, FY28E+13%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 15%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 14%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 20%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

LR6TBC Bank Group

Total return Current95.7%

Price return Current83.6%

MOMENTUM RATING↗

VERY STRONG85 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+9%8

YTD return+31%8

MID & LONG-TERM▾SCORE

% of 52-week high91%8

1-year return+19%7

3-year return+114%8

5-year return+114%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +114% over three years and +114% over five, ahead of 70% of the market.

It's up 19% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+9%) and so far this year (+31%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on TBC Bank Group PLC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community