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BGEO

Lion Finance Group PLCLSE:BGEO Stock Report

Market Cap UK£3.4b
Share Price
UK£80.05
My Fair Value
UK£90.39
11.4% undervalued intrinsic discount
1Y87.9%
7D3.0%
Portfolio Value
​
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Lion Finance Group PLC

LSE:BGEO Stock Report

Market Cap: UK£3.4b

Lion Finance Group (BGEO) Stock Overview

Through its subsidiaries, provides banking and financial services with focus on the Georgian and Armenian markets. More details

BGEO fundamental analysis
Snowflake Score
Valuation5/6
Future Growth3/6
Past Performance2/6
Financial Health5/6
Dividends3/6

Rewards

Trading at 43% below our estimate of its fair value

Earnings are forecast to grow 10.3% per year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

Profit margins (52.3%) are lower than last year (77.4%)


BGEO Community Fair Values

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See what 39 others think this stock is worth. Follow their fair value or set your own to get alerts.

BGEO
Lion Finance Group

Digital Transformation And Emerging Markets Will Unlock Opportunities

Key Takeaways Success in digital transformation and data-driven risk management are improving operational efficiency, asset quality, and net earnings sustainability. Expansion into emerging, underpenetrated markets is fueling customer growth, diversifying revenues, and broadening the addressable market for future earnings.
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UK£90.39
FV
11.4% undervalued intrinsic discount
13.11%
Revenue growth p.a.
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21users have followed this narrative
BGEO
Lion Finance Group

Digital Adoption And Embedded Finance Will Drive Long-Term Growth

Key Takeaways Accelerated digital adoption and advanced AI tools are expected to drive mass retail penetration, margin expansion, and rapid scaling into new financial verticals. Significant liquidity and a leading mobile ecosystem position the group to capture integrated finance opportunities and unlock new recurring revenue streams.
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UK£93.6
FV
14.5% undervalued intrinsic discount
17.02%
Revenue growth p.a.
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1users have followed this narrative
BGEO
Lion Finance Group

Normalizing Inflows In Georgia And Armenia Will Deepen Credit Risks

Key Takeaways Slowing economic tailwinds, regulatory scrutiny, and heightened competition threaten revenue growth, profitability, and asset quality for Lion Finance Group. Heavy exposure to high-yield consumer and real estate lending increases vulnerability to downturns and rising bad debt expenses.
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UK£52.26
FV
53.2% overvalued intrinsic discount
12.23%
Revenue growth p.a.
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Lion Finance Group PLC Competitors

Price History & Performance

Summary of share price highs, lows and changes for Lion Finance Group
Historical stock prices
Current Share PriceUK£80.05
52 Week HighUK£81.00
52 Week LowUK£40.75
Beta0.69
1 Month Change4.44%
3 Month Change4.91%
1 Year Change87.91%
3 Year Change230.79%
5 Year Change777.74%
Change since IPO143.24%

Recent News & Updates

Recent updates

User avatar

Ameriabank Acquisition Will Expand Digital Banking In Georgia And Armenia, Reducing Costs And Improving Customer Engagement

Expansion into Armenia and digital banking solutions are expected to drive growth, increase revenue, and improve margins.

It's Unlikely That Bank of Georgia Group PLC's (LON:BGEO) CEO Will See A Huge Pay Rise This Year

Jun 10
It's Unlikely That Bank of Georgia Group PLC's (LON:BGEO) CEO Will See A Huge Pay Rise This Year

Results: Bank of Georgia Group PLC Beat Earnings Expectations And Analysts Now Have New Forecasts

Feb 24
Results: Bank of Georgia Group PLC Beat Earnings Expectations And Analysts Now Have New Forecasts

Shareholder Returns

BGEOGB BanksGB Market
7D3.0%5.1%0.6%
1Y87.9%57.0%17.6%

Return vs Industry: BGEO exceeded the UK Banks industry which returned 58.6% over the past year.

Return vs Market: BGEO exceeded the UK Market which returned 19% over the past year.

Price Volatility

Is BGEO's price volatile compared to industry and market?
BGEO volatility
BGEO Average Weekly Movement3.8%
Banks Industry Average Movement3.8%
Market Average Movement4.7%
10% most volatile stocks in GB Market10.7%
10% least volatile stocks in GB Market2.6%

Stable Share Price: BGEO has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: BGEO's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
201712,703Archil Gachechiladzelionfinancegroup.uk

Lion Finance Group PLC, through its subsidiaries, provides banking and financial services with focus on the Georgian and Armenian markets. It operates through Georgian Financial Services, Armenian Financial Services, and Other Businesses segments. The Georgian Financial Services segment provides retail banking, SME, and corporate and investment banking, and corporate center services; and brokerage and asset management services.

Lion Finance Group PLC Fundamentals Summary

How do Lion Finance Group's earnings and revenue compare to its market cap?
BGEO fundamental statistics
Market capUK£3.39b
Earnings (TTM)UK£571.42m
Revenue (TTM)UK£1.09b
5.9x
P/E Ratio
1.6x
P/B Ratio

Is BGEO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BGEO income statement (TTM)
RevenueGEL 3.90b
Cost of RevenueGEL 83.62m
Gross ProfitGEL 3.81b
Other ExpensesGEL 1.77b
EarningsGEL 2.04b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)48.15
Gross Margin97.85%
Net Profit Margin52.30%
Debt/Equity Ratio134.0%

How did BGEO perform over the long term?

See historical performance and comparison

Dividends

3.2%
Current Dividend Yield
23%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/31 18:08
End of Day Share Price 2025/10/31 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Lion Finance Group PLC is covered by 14 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Andreas MarkouBerenberg
Olga VeselovaBofA Global Research
Gareth HuntCanaccord Genuity