| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 5/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
TCSA Stock Overview
TCS Group Holding PLC, through its subsidiaries, engages in the online retail banking, insurance, mobile services, and asset management businesses in Russia.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$64.87 |
| 52 Week High | US$109.25 |
| 52 Week Low | US$56.61 |
| Beta | 2.19 |
| 1 Month Change | 0% |
| 3 Month Change | n/a |
| 1 Year Change | 9.38% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 254.81% |
Recent News & Updates
Shareholder Returns
| TCSA | GB Banks | GB Market | |
|---|---|---|---|
| 7D | 0% | -0.4% | -0.04% |
| 1Y | 9.4% | 1.5% | 0.8% |
Return vs Industry: TCSA exceeded the UK Banks industry which returned 1.7% over the past year.
Return vs Market: TCSA exceeded the UK Market which returned 1.5% over the past year.
Price Volatility
| TCSA volatility | |
|---|---|
| TCSA Average Weekly Movement | n/a |
| Banks Industry Average Movement | 6.6% |
| Market Average Movement | 6.2% |
| 10% most volatile stocks in GB Market | 13.0% |
| 10% least volatile stocks in GB Market | 3.1% |
Stable Share Price: Insufficient data to determine TCSA's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine TCSA's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1999 | 43,787 | Oliver Hughes | https://www.tcsgh.com.cy |
TCS Group Holding PLC, through its subsidiaries, engages in the online retail banking, insurance, mobile services, and asset management businesses in Russia. It operates through seven segments: Consumer Finance, Retail Debit Cards, InsurTech, SME Services, Acquiring and Payments, InvestTech, and Mobile Virtual Network Operator Services. The company offers customer current accounts; savings and deposits products; and cash, consumer, car, and secured loans to individual entrepreneurs and small to medium businesses.
TCS Group Holding Fundamentals Summary
| TCSA fundamental statistics | |
|---|---|
| Market Cap | ₽52.15b |
| Earnings (TTM) | ₽63.47b |
| Revenue (TTM) | ₽168.70b |
0.8x
P/E Ratio0.3x
P/B RatioIs TCSA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TCSA income statement (TTM) | |
|---|---|
| Revenue | ₽168.70b |
| Cost of Revenue | ₽0 |
| Gross Profit | ₽168.70b |
| Other Expenses | ₽105.22b |
| Earnings | ₽63.47b |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 320.45 |
| Gross Margin | 100.00% |
| Net Profit Margin | 37.62% |
| Debt/Equity Ratio | 51.5% |
How did TCSA perform over the long term?
See historical performance and comparisonValuation
Is TCS Group Holding undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: TCSA ($64.87) is trading below our estimate of fair value ($1843.03)
Significantly Below Fair Value: TCSA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: TCSA is good value based on its PE Ratio (0.8x) compared to the UK Banks industry average (5.7x).
PE vs Market: TCSA is good value based on its PE Ratio (0.8x) compared to the UK market (16.7x).
Price to Earnings Growth Ratio
PEG Ratio: TCSA is good value based on its PEG Ratio (0x)
Price to Book Ratio
PB vs Industry: TCSA is good value based on its PB Ratio (0.3x) compared to the GB Banks industry average (0.6x).
Future Growth
How is TCS Group Holding forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
26.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TCSA's forecast earnings growth (26.4% per year) is above the savings rate (0.9%).
Earnings vs Market: TCSA's earnings (26.4% per year) are forecast to grow faster than the UK market (12% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: TCSA's revenue (19.8% per year) is forecast to grow faster than the UK market (4.8% per year).
High Growth Revenue: TCSA's revenue (19.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: TCSA's Return on Equity is forecast to be high in 3 years time (32.5%)
Past Performance
How has TCS Group Holding performed over the past 5 years?
29.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TCSA has high quality earnings.
Growing Profit Margin: TCSA's current net profit margins (37.6%) are lower than last year (42.7%).
Past Earnings Growth Analysis
Earnings Trend: TCSA's earnings have grown significantly by 29.9% per year over the past 5 years.
Accelerating Growth: TCSA's earnings growth over the past year (43.6%) exceeds its 5-year average (29.9% per year).
Earnings vs Industry: TCSA earnings growth over the past year (43.6%) underperformed the Banks industry 174.1%.
Return on Equity
High ROE: TCSA's Return on Equity (36%) is considered high.
Financial Health
How is TCS Group Holding's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: TCSA's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: TCSA has a sufficient allowance for bad loans (132%).
Low Risk Liabilities: 83% of TCSA's liabilities are made up of primarily low risk sources of funding.
Loan Level: TCSA has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: TCSA's Loans to Deposits ratio (68%) is appropriate.
Level of Bad Loans: TCSA has a high level of bad loans (8.1%).
Dividend
What is TCS Group Holding current dividend yield, its reliability and sustainability?
73.04%
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate TCSA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate TCSA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if TCSA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if TCSA's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: TCSA is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of TCSA's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.1yrs
Average management tenure
CEO
Oliver Hughes (51 yo)
0.33
Tenure
Mr. Oliver Charles Hughes serves as Co-CEO of Tinkoff Group & Executive Director of the Board of Directors of Tinkoff Group at Joint Stock Company Tinkoff Bank since 2021 and served as its CEO of TCS Group...
Leadership Team
Experienced Management: TCSA's management team is considered experienced (2.1 years average tenure).
Board Members
Experienced Board: TCSA's board of directors are not considered experienced ( 0.9 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
TCS Group Holding PLC's employee growth, exchange listings and data sources
Key Information
- Name: TCS Group Holding PLC
- Ticker: TCSA
- Exchange: LSE
- Founded: 1999
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: US$632.431m
- Shares outstanding: 198.07m
- Website: https://www.tcsgh.com.cy
Number of Employees
Location
- TCS Group Holding PLC
- Interlink Hermes Plaza
- Office 301B
- Limassol
- 4102
- Cyprus
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/04/13 00:00 |
| End of Day Share Price | 2022/01/26 00:00 |
| Earnings | 2021/12/31 |
| Annual Earnings | 2021/12/31 |
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 here.