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TBC Bank Group Plc (TBCCF)
London, WA, GB
TBC Bank Group Plc engages as the holding company of TBC Bank. The company operates through three segments: Corporate, Retail; Micro, Small and Medium Enterprises; Corporate Center, Other and Sub-Segment Eliminations, Uzbekistan Operations, and Other Operations and Eliminations. The Corporate segment refers to a legal entity/group of affiliated entities with an annual revenue exceeding GEL 20 million or which has been granted facilities of more than GEL 7.5 million. The Retail segment deals with the non-business individual customers. The Micro, Small and Medium Enterprises segment is involved with business customers not included in the CIB segment. The Other and Sub-Segment Eliminations segment comprises the treasury operations, TBC Leasing, TBC Insurance and sub-segment eliminations. The Uzbekistan Operations segment pertains to TBC Bank Uzbekistan with respective subsidiaries and Payme (Inspired LLC). The Other Operations and Eliminations segment includes non-material or non-financial subsidiaries of the group and intragroup eliminations. The company was founded on February 26, 2016, and is headquartered in London, the United Kingdom.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -5.21% | -3.15% | +12.17% | +8.53% | +3.20% | +15.29% | +7.26% | +215.07% | +584.98% | +175.49% | +175.49% |
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 Banks: +13.8%+135.9% ★ Q1'26: +18.3% (vs Q1'25)
-
EPS growth Banks: +25.1%+7.4% Q1'26: +10.5% (vs Q1'25)
-
FCF margin FCF growth · Banks: +75.8%-17.7% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Banks: +27.6%+27.1% Q1'26: +25.7% (vs Q1'25)
-
ROIC Banks: +1.1%+11.9% ★ Q1'26: +12.2% (vs Q1'25)
-
Share dilution Banks: +0.1%+1.5% Q1'26: +33.1% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Banks: 1.37×6.14× Q1'26: 6.35× (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 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 5 Rev. Ana. 1 EPS Ana. |
Dec 2027 5 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
677.20M
est: 237.34M (+185.3%)
|
847.64M
est: 316.16M (+168.1%)
|
1.08B
est: 360.36M (+199.8%)
|
1.14B
est: 370.05M (+207.8%)
|
1.17B
est: 343.69M (+241.5%)
|
1.48B
est: 450.10M (+229.2%)
|
3.21B
est: 752.82M (+326.3%)
|
2.20B
est: 2.44B (-10.0%)
|
2.62B
est: 2.72B (-3.5%)
|
6.19B
est: 3.42B (+80.9%)
|
3.88B
3.84B – 3.92B
+13.4% YoY
|
4.49B
4.46B – 4.53B
+15.8% YoY
|
5.27B
5.23B – 5.32B
+17.4% YoY
|
| EBITDA |
—
est: 70.00M (-100.0%)
|
—
est: 93.24M (-100.0%)
|
—
est: 106.27M (-100.0%)
|
—
est: 109.13M (-100.0%)
|
—
est: 101.36M (-100.0%)
|
1.00B
est: 132.74M (+654.3%)
|
1.35B
|
1.45B
|
1.69B
est: 1.45B (+16.3%)
|
1.68B
est: 1.83B (-8.3%)
|
2.07B
2.05B – 2.09B
+13.4% YoY
|
2.40B
2.38B – 2.42B
+15.8% YoY
|
2.82B
2.79B – 2.84B
+17.4% YoY
|
| EBIT |
-28.08M
est: 62.54M (-144.9%)
|
-37.27M
est: 83.31M (-144.7%)
|
-45.74M
est: 94.95M (-148.2%)
|
-59.48M
est: 97.51M (-161.0%)
|
-68.39M
est: 90.56M (-175.5%)
|
-79.89M
est: 118.60M (-167.4%)
|
1.25B
est: -39.87M (+3,226.2%)
|
-115.98M
est: -129.21M (+10.2%)
|
1.54B
est: 1.35B (+14.6%)
|
1.68B
est: 1.70B (-1.2%)
|
1.92B
1.90B – 1.94B
+13.4% YoY
|
2.23B
2.21B – 2.25B
+15.8% YoY
|
2.61B
2.59B – 2.64B
+17.4% YoY
|
| Net Income |
299.15M
est: 102.55M (+191.7%)
|
354.41M
est: 142.46M (+148.8%)
|
435.08M
est: 162.52M (+167.7%)
|
537.90M
est: 175.37M (+206.7%)
|
317.75M
est: 110.50M (+187.6%)
|
800.78M
est: 240.64M (+232.8%)
|
995.21M
est: 359.61M (+176.7%)
|
1.12B
est: 1.16B (-2.8%)
|
1.28B
est: 1.26B (+1.9%)
|
1.40B
est: 1.42B (-1.2%)
|
1.58B
1.56B – 1.60B
+11.6% YoY
|
1.81B
1.79B – 1.84B
+14.7% YoY
|
2.12B
2.10B – 2.15B
+17.0% YoY
|
| SGA |
79.77M
est: 27.54M (+189.6%)
|
79.26M
est: 36.69M (+116.0%)
|
96.08M
est: 41.82M (+129.8%)
|
100.09M
est: 42.94M (+133.1%)
|
88.03M
est: 39.88M (+120.7%)
|
117.05M
est: 52.23M (+124.1%)
|
169.27M
est: 81.50M (+107.7%)
|
221.80M
est: 264.10M (-16.0%)
|
304.15M
est: 246.97M (+23.1%)
|
651.99M
est: 310.77M (+109.8%)
|
352.26M
349.04M – 355.91M
+13.4% YoY
|
407.81M
404.49M – 411.55M
+15.8% YoY
|
478.56M
474.44M – 483.22M
+17.4% YoY
|
| EPS |
4.40
est: 1.85 (+137.7%)
|
6.70
est: 2.57 (+160.5%)
|
8.07
est: 2.93 (+175.1%)
|
9.83
est: 3.17 (+210.5%)
|
5.84
est: 1.99 (+192.8%)
|
14.70
est: 4.34 (+238.4%)
|
18.20
est: 6.58 (+176.5%)
|
20.58
est: 20.97 (-1.8%)
|
23.41
est: 22.52 (+4.0%)
|
25.27
est: 25.32 (-0.2%)
|
28.24
27.93 – 28.60
+11.6% YoY
|
32.39
32.03 – 32.80
+14.7% YoY
|
37.90
37.48 – 38.38
+17.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-04 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 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
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Matthews Emerging Markets Discovery Active ETF MEMS MEMS | 1.02% | 228.9K | 0.99% |
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 |
|---|---|---|---|
| Vakhtang Butskhrikidze | Chief Executive Officer & Executive Director | 7M | male |
| Anna Romelashvili | Head of Investor Relations | — | female |
| David Japaridze | Head of Customer Experience | — | — |
| Giorgi Megrelishvili | Deputy Chief Executive Officer & Chief Financial Officer of JSC TBC Bank | — | male |
| Nikoloz Kurdiani | Chief Executive Officer of Group's Business Operations in Uzbekistan | — | male |
| Nino Kacheishvili | Head of the Retail Loans Department | — | female |
| Nino Masurashvili | Deputy CEO and Chief Risk Officer of JSC TBC Bank | — | female |
| Otar Nadaraia | Chief Economist | — | male |
| Alexander Iskonyan | Deputy Head of Business Analysis and Quality Assurance | — | — |
| Victor Kukhalashvili | Head of Software Development Department | — | male |
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 TBCCF
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.
