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Bank of Georgia Group PLC (BDGSF)
London, GB
Established in 2017 and headquartered in London, United Kingdom, Bank of Georgia Group PLC delivers a comprehensive suite of banking and financial services, primarily concentrating its operations in Georgia through its subsidiaries. The group is structured into three principal divisions: Retail Banking, Corporate and Investment Banking, and BNB. The Retail Banking arm caters to a broad clientele, including individual consumers, affluent clients, mass market segments, small and medium-sized enterprises (SMEs), and micro businesses. It provides an extensive array of financial products, such as personal and mortgage loans, overdrafts, credit cards, and other credit facilities, alongside facilitating fund transfers, payment settlements, and managing client deposits under brand names like Express, Bank of Georgia, MSME, and SOLO. The Corporate and Investment Banking segment focuses on institutional and corporate customers, supplying various lending and credit solutions, trade finance services, and support for documentary operations. It also handles savings and term deposit accounts. Additionally, this division extends specialized private banking offerings to high net worth individuals and conducts brokerage activities. In Belarus, the BNB segment is responsible for providing both retail and corporate banking services. As of September 30, 2022, the company maintained a significant physical infrastructure, comprising 211 retail branch locations, 994 automated teller machines (ATMs), and 3,152 Express Pay terminals.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +9.87% | +41.23% | +41.23% | +41.23% | +85.53% | +343.61% | +738.07% | +577.54% | +313.17% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
-
Revenue growth+34.6% Q1'26: +22.1% (vs Q1'25)
-
EPS growth-11.0% Q1'26: +13.5% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +36.4% (vs Q1'25)
-
ROIC— Q1'26: +13.6% (vs Q1'25)
-
Share dilution-1.1% Q1'26: -1.4% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 4.17× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 5 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.17B
est: 891.40M (+30.8%)
|
1.17B
est: 939.78M (+24.0%)
|
1.36B
est: 1.21B (+12.2%)
|
1.61B
est: 1.04B (+54.2%)
|
1.76B
est: 965.63M (+82.1%)
|
816.78M
est: 870.59M (-6.2%)
|
2.26B
est: 1.14B (+99.0%)
|
3.08B
est: 1.84B (+67.3%)
|
2.55B
est: 2.54B (+0.3%)
|
5.34B
est: 3.10B (+72.3%)
|
7.19B
est: 4.25B (+69.2%)
|
4.91B
4.85B – 5.00B
+15.7% YoY
|
5.61B
5.48B – 5.80B
+14.2% YoY
|
6.36B
6.29B – 6.48B
+13.4% YoY
|
| EBITDA |
368.35M
est: 272.46M (+35.2%)
|
307.06M
est: 287.25M (+6.9%)
|
432.23M
est: 370.29M (+16.7%)
|
482.99M
est: 319.26M (+51.3%)
|
634.53M
est: 295.15M (+115.0%)
|
—
est: 266.10M (-100.0%)
|
895.56M
est: 347.46M (+157.7%)
|
1.75B
est: 562.94M (+210.1%)
|
—
est: 777.49M (-100.0%)
|
3.02B
est: 1.17B (+158.2%)
|
2.58B
est: 1.60B (+61.1%)
|
1.86B
1.83B – 1.89B
+15.7% YoY
|
2.12B
2.07B – 2.19B
+14.2% YoY
|
2.40B
2.37B – 2.45B
+13.4% YoY
|
| EBIT |
332.59M
est: 226.05M (+47.1%)
|
269.85M
est: 238.32M (+13.2%)
|
391.25M
est: 307.22M (+27.4%)
|
437.55M
est: 264.88M (+65.2%)
|
556.41M
est: 244.88M (+127.2%)
|
-82.94M
est: 220.77M (-137.6%)
|
801.94M
est: 288.27M (+178.2%)
|
1.63B
est: 467.06M (+250.0%)
|
-124.72M
est: 645.06M (-119.3%)
|
2.85B
est: 1.07B (+165.7%)
|
2.58B
est: 1.47B (+75.9%)
|
1.70B
1.68B – 1.73B
+15.7% YoY
|
1.94B
1.90B – 2.01B
+14.2% YoY
|
2.20B
2.17B – 2.24B
+13.4% YoY
|
| Net Income |
303.69M
est: 94.15M (+222.6%)
|
398.54M
est: 112.37M (+254.7%)
|
437.62M
est: 126.66M (+245.5%)
|
469.00M
est: 143.88M (+226.0%)
|
497.66M
est: 146.58M (+239.5%)
|
293.58M
est: 83.02M (+253.6%)
|
723.81M
est: 190.30M (+280.3%)
|
1.44B
est: 371.93M (+287.0%)
|
1.39B
est: 508.03M (+173.9%)
|
2.48B
est: 587.27M (+321.8%)
|
2.17B
est: 775.50M (+179.2%)
|
917.16M
902.60M – 938.64M
+18.3% YoY
|
1.05B
1.04B – 1.08B
+15.0% YoY
|
1.22B
1.20B – 1.25B
+15.6% YoY
|
| SGA |
55.63M
est: 53.65M (+3.7%)
|
56.89M
est: 56.57M (+0.6%)
|
60.72M
est: 72.92M (-16.7%)
|
71.43M
est: 62.87M (+13.6%)
|
89.60M
est: 58.12M (+54.1%)
|
80.23M
est: 52.40M (+53.1%)
|
104.66M
est: 68.42M (+53.0%)
|
136.41M
est: 110.86M (+23.0%)
|
174.33M
est: 153.11M (+13.9%)
|
234.04M
est: 210.22M (+11.3%)
|
980.18M
est: 288.07M (+240.3%)
|
333.30M
329.23M – 339.31M
+15.7% YoY
|
380.61M
371.95M – 393.38M
+14.2% YoY
|
431.68M
426.41M – 439.46M
+13.4% YoY
|
| EPS |
7.93
est: 2.13 (+271.9%)
|
10.41
est: 2.55 (+309.0%)
|
11.61
est: 2.87 (+304.7%)
|
9.89
est: 3.26 (+203.5%)
|
10.45
est: 3.32 (+214.7%)
|
6.17
est: 1.88 (+228.1%)
|
15.22
est: 4.31 (+253.1%)
|
30.99
est: 8.42 (+267.9%)
|
31.30
est: 11.51 (+172.0%)
|
57.18
est: 13.46 (+325.0%)
|
50.37
est: 17.77 (+183.5%)
|
21.01
20.68 – 21.51
+18.3% YoY
|
24.16
23.78 – 24.73
+15.0% YoY
|
27.94
27.49 – 28.59
+15.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-04-28 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Archil Gachechiladze | Chief Executive Officer & Executive Director | 6M | male |
| Sulkhan Gvalia | Chief Financial Officer & Deputy Chief Executive Officer | 799.4K | male |
| Andro Ratiani | Chief Executive Officer of Digital Area | — | male |
| David Chkonia | Deputy Chief Executive Officer & Chief Risk Officer | — | male |
| Akaki Liqokeli | Economist | — | — |
| Hovhannes Toroyan | Chief Financial Officer of Ameriabank | — | male |
| Nini Arshakuni | Head of Investor Relations | — | female |
| Nutsiko Gogilashvili | Head of International Business | — | female |
| Giorgi Shagidze | Group CFO & Deputy CEO | — | male |
| Ana Kostava | Deputy Chief Executive Officer & Chief Legal Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BDGSF
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
