TCS Group Holding
Market Cap
US$10.0b
Last Updated
2021/03/06 20:34 UTC
Data Sources
Company Financials +
Executive Summary
TCS Group Holding PLC, through its subsidiaries, engages in the online retail banking, insurance, mobile services, and asset management businesses in Russia. More Details
Rewards
Risk Analysis
Snowflake Analysis
Solid track record with excellent balance sheet.
Share Price & News
How has TCS Group Holding's share price performed over time and what events caused price changes?
Latest Share Price and Events
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.
Market Performance
7 Day Return
-2.3%
TCSA
3.4%
GB Banks
1.2%
GB Market
1 Year Return
203.0%
TCSA
-0.3%
GB Banks
4.6%
GB Market
Return vs Industry: TCSA exceeded the UK Banks industry which returned -0.3% over the past year.
Return vs Market: TCSA exceeded the UK Market which returned 4.6% over the past year.
Shareholder returns
| TCSA | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.3% | 3.4% | 1.2% |
| 30 Day | 20.4% | 11.9% | 0.9% |
| 90 Day | n/a | 7.1% | 2.4% |
| 1 Year | 216.1%203.0% | 0.2%-0.3% | 10.6%4.6% |
| 3 Year | n/a | -28.4%-34.7% | 8.6%-4.5% |
| 5 Year | n/a | 3.6%-12.2% | 39.5%12.5% |
Long-Term Price Volatility Vs. Market
How volatile is TCS Group Holding's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is TCS Group Holding undervalued compared to its fair value and its price relative to the market?
7.2%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: TCSA ($51.05) is trading below our estimate of fair value ($54.99)
Significantly Below Fair Value: TCSA is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: TCSA is good value based on its PE Ratio (17.3x) compared to the GB Banks industry average (18.4x).
PE vs Market: TCSA is good value based on its PE Ratio (17.3x) compared to the UK market (24.2x).
Price to Earnings Growth Ratio
PEG Ratio: TCSA is poor value based on its PEG Ratio (1x)
Price to Book Ratio
PB vs Industry: TCSA is overvalued based on its PB Ratio (6.4x) compared to the GB Banks industry average (0.6x).
Next Steps
Future Growth
How is TCS Group Holding forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?
17.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TCSA's forecast earnings growth (17% per year) is above the savings rate (1%).
Earnings vs Market: TCSA's earnings (17% per year) are forecast to grow slower than the UK market (22.6% per year).
High Growth Earnings: TCSA's earnings are forecast to grow, but not significantly.
Revenue vs Market: TCSA's revenue (13.1% per year) is forecast to grow faster than the UK market (6.6% per year).
High Growth Revenue: TCSA's revenue (13.1% 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 (31.3%)
Next Steps
Past Performance
How has TCS Group Holding performed over the past 5 years?
39.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TCSA has high quality earnings.
Growing Profit Margin: TCSA's current net profit margins (47.3%) are higher than last year (42.7%).
Past Earnings Growth Analysis
Earnings Trend: TCSA's earnings have grown significantly by 39.9% per year over the past 5 years.
Accelerating Growth: TCSA's earnings growth over the past year (29%) is below its 5-year average (39.9% per year).
Earnings vs Industry: TCSA earnings growth over the past year (29%) exceeded the Banks industry -40.7%.
Return on Equity
High ROE: TCSA's Return on Equity (36.8%) is considered high.
Next Steps
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 (6.2x) is low.
Allowance for Bad Loans: TCSA has a sufficient allowance for bad loans (153%).
Low Risk Liabilities: 85% 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 (69%) is appropriate.
Level of Bad Loans: TCSA has a high level of bad loans (10.7%).
Next Steps
Dividend
What is TCS Group Holding current dividend yield, its reliability and sustainability?
1.55%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: TCSA's dividend (1.55%) is higher than the bottom 25% of dividend payers in the UK market (1.49%).
High Dividend: TCSA's dividend (1.55%) is low compared to the top 25% of dividend payers in the UK market (4.51%).
Stability and Growth of Payments
Stable Dividend: TCSA has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: TCSA's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (17.9%), TCSA's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: TCSA's dividends in 3 years are forecast to be well covered by earnings (31.3% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.1yrs
Average management tenure
CEO
Oliver Hughes (50 yo)
14.17yrs
Tenure
Mr. Oliver Charles Hughes serves as the Chief Executive Officer at Joint Stock Company Tinkoff Bank since 2007. Mr. Hughes serves as the Chief Executive Officer at TCS Group Holding PLC. Mr. Hughes serves ...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chief Executive Officer | 14.17yrs | no data | no data | |
| VP, Deputy Chairman of the Management Board & Information Technology Director | 0.33yr | no data | no data | |
| Risk Director & Deputy Chairman of the Management Board | 1yr | no data | no data | |
| no data | no data | 19.81% RUB 2.0b | ||
| Chief Financial Officer | 12.67yrs | no data | no data | |
| Chief Operating Officer | 1yr | no data | no data | |
| Chief Accountant | no data | no data | no data | |
| Head of Corporate Finance | 11.17yrs | no data | no data | |
| Head of Investor Relations & Transaction Execution | no data | no data | no data | |
| Chief Legal Officer | no data | no data | no data | |
| Human Resources Director | 1yr | no data | no data | |
| Head of Payment Systems | 14.25yrs | no data | no data |
6.1yrs
Average Tenure
48yo
Average Age
Experienced Management: TCSA's management team is seasoned and experienced (6.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Independent Non-Executive Director | 7.42yrs | no data | no data | |
| Independent Non-Executive Director | 7.42yrs | no data | no data | |
| Director | 8.83yrs | no data | no data | |
| Chairman of the Board of Directors | 5.75yrs | no data | no data | |
| Director | 12.33yrs | no data | no data |
7.4yrs
Average Tenure
45yo
Average Age
Experienced Board: TCSA's board of directors are considered experienced (7.4 years average tenure).
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 company bio, employee growth, exchange listings and data sources
Key Information
- Name: TCS Group Holding PLC
- Ticker: TCSA
- Exchange: LSE
- Founded: NaN
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: US$9.991b
- Shares outstanding: 196.29m
- Website: https://www.tcsgh.com.cy
Number of Employees
Location
- TCS Group Holding PLC
- 25 Spyrou Araouzou
- 4th Floor
- Limassol
- 3036
- Cyprus
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| TCS | LSE (London Stock Exchange) | Yes | GDR (EACH REPR 1 A SHR) (REG S) | GB | USD | Oct 2013 |
| TCSA | LSE (London Stock Exchange) | GDR 144A | GB | USD | Oct 2013 | |
| TCSL | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | GDR (EACH REPR 1 A SHR) (REG S) | GB | USD | Oct 2013 |
| 13T1 | DB (Deutsche Boerse AG) | Yes | GDR (EACH REPR 1 A SHR) (REG S) | DE | EUR | Oct 2013 |
| TCSG | MISX (Micex - Rts) | Yes | GDR (EACH REPR 1 A SHR) (REG S) | RU | RUB | Oct 2013 |
Biography
TCS Group Holding PLC, through its subsidiaries, engages in the online retail banking, insurance, mobile services, and asset management businesses in Russia. It operates in four segments: Retail Banking, I...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/03/06 20:34 |
| End of Day Share Price | 2021/03/05 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.