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TCSA Stock Overview

TCS Group Holding PLC, through its subsidiaries, provides retail banking, brokerage, insurance, acquiring and payment services in Russia. More details

TCSA fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 57.6% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Profit margins (13.3%) are lower than last year (37.6%)

My Notes

Capture your thoughts, links and company narrative

TCS Group Holding PLC Competitors

Bank of Georgia Group

LSE:BGEO

UK£2.0b

TBC Bank Group

LSE:TBCG

UK£1.7b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.1b

Close Brothers Group

LSE:CBG

UK£342.7m

Price History & Performance

Summary of share price highs, lows and changes for TCS Group Holding
Historical stock prices
Current Share Price	US$4.00
52 Week High	US$10.25
52 Week Low	US$4.00
Beta	1.99
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-67.35%
5 Year Change	n/a
Change since IPO	-78.12%

Recent updates

Shareholder Returns

	TCSA	GB Banks	GB Market
7D	0%	-0.2%	-0.6%
1Y	n/a	33.1%	2.7%

Return vs Industry: Insufficient data to determine how TCSA performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how TCSA performed against the UK Market.

Price Volatility

Is TCSA's price volatile compared to industry and market?
TCSA volatility
TCSA Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: TCSA has not had significant price volatility in 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	64,857	n/a	www.tcsgh.com.cy

TCS Group Holding PLC, through its subsidiaries, provides retail banking, brokerage, insurance, acquiring and payment services in Russia. It operates through four segments: Consumer Financial Services, Retail Daily And Lifestyle Transaction Services, SME Financial Services, and Other Investments. The company offers retail loans, such as cash, consumer, car, and secured loans, as well as credit cards and other related services.

TCS Group Holding PLC Fundamentals Summary

How do TCS Group Holding's earnings and revenue compare to its market cap?
TCSA fundamental statistics
Market cap	US$2.68b
Earnings (TTM)	US$257.48m
Revenue (TTM)	US$1.93b

10.4x

P/E Ratio

1.1x

P/B Ratio

Is TCSA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TCSA income statement (TTM)
Revenue	₽157.92b
Cost of Revenue	₽0
Gross Profit	₽157.92b
Other Expenses	₽136.90b
Earnings	₽21.02b

Last Reported Earnings

Dec 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	105.81
Gross Margin	100.00%
Net Profit Margin	13.31%
Debt/Equity Ratio	23.6%

How did TCSA perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/04/23 09:48
End of Day Share Price	2023/01/24 00:00
Earnings	2022/12/31
Annual Earnings	2022/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

TCS Group Holding PLC is covered by 13 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Olga Veselova	BofA Global Research
Ivan Kachkovski	Deutsche Bank
Dmitry Trembovolsky	Goldman Sachs

TCS Group Holding LSE:TCSA Stock Report