BDGS.F Stock Overview
Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia.
Bank of Georgia Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£20.00|
|52 Week High||UK£23.80|
|52 Week Low||UK£18.77|
|1 Month Change||n/a|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||2.56%|
|5 Year Change||n/a|
|Change since IPO||-24.24%|
Recent News & Updates
|BDGS.F||US Banks||US Market|
Return vs Industry: Insufficient data to determine how BDGS.F performed against the US Banks industry.
Return vs Market: Insufficient data to determine how BDGS.F performed against the US Market.
|BDGS.F Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||8.0%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.1%|
Stable Share Price: Insufficient data to determine BDGS.F's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine BDGS.F's volatility change over the past year.
About the Company
Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia. It operates through three segments: Retail Banking, Corporate and Investment Banking, and BNB. The Retail Banking segment offers consumer loans, mortgage loans, overdrafts, credit cards, and other credit facilities; funds transfer and settlement services; and customers’ deposits for individuals and legal entities under the Express, Bank of Georgia, MSME, and SOLO brands.
Bank of Georgia Group Fundamentals Summary
|BDGS.F fundamental statistics|
Is BDGS.F overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BDGS.F income statement (TTM)|
|Cost of Revenue||GEL40.26m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||17.52|
|Net Profit Margin||53.89%|
How did BDGS.F perform over the long term?See historical performance and comparison
8.9%Current Dividend Yield
Is BDGS.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BDGS.F?
Other financial metrics that can be useful for relative valuation.
|What is BDGS.F's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BDGS.F's PE Ratio compare to its peers?
|BDGS.F PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: BDGS.F is good value based on its Price-To-Earnings Ratio (3x) compared to the peer average (8.3x).
Price to Earnings Ratio vs Industry
How does BDGS.F's PE Ratio compare vs other companies in the U.S. Banks Industry?
Price-To-Earnings vs Industry: BDGS.F is good value based on its Price-To-Earnings Ratio (3x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is BDGS.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||3x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate BDGS.F's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of BDGS.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BDGS.F ($20) is trading below our estimate of fair value ($135.68)
Significantly Below Fair Value: BDGS.F is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: BDGS.F is good value based on its PEG Ratio (0.4x)
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How is Bank of Georgia Group forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BDGS.F's forecast earnings growth (7.4% per year) is above the savings rate (1.9%).
Earnings vs Market: BDGS.F's earnings (7.4% per year) are forecast to grow slower than the US market (13.9% per year).
High Growth Earnings: BDGS.F's earnings are forecast to grow, but not significantly.
Revenue vs Market: BDGS.F's revenue (12.3% per year) is forecast to grow faster than the US market (8.3% per year).
High Growth Revenue: BDGS.F's revenue (12.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BDGS.F's Return on Equity is forecast to be high in 3 years time (22%)
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How has Bank of Georgia Group performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BDGS.F has high quality earnings.
Growing Profit Margin: BDGS.F's current net profit margins (53.9%) are higher than last year (51.1%).
Past Earnings Growth Analysis
Earnings Trend: BDGS.F's earnings have grown by 17.3% per year over the past 5 years.
Accelerating Growth: BDGS.F's earnings growth over the past year (55.3%) exceeds its 5-year average (17.3% per year).
Earnings vs Industry: BDGS.F earnings growth over the past year (55.3%) exceeded the Banks industry 20.7%.
Return on Equity
High ROE: Whilst BDGS.F's Return on Equity (25.31%) is high, this metric is skewed due to their high level of debt.
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How is Bank of Georgia Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BDGS.F's Assets to Equity ratio (7.4x) is low.
Allowance for Bad Loans: BDGS.F has a sufficient allowance for bad loans (104%).
Low Risk Liabilities: 69% of BDGS.F's liabilities are made up of primarily low risk sources of funding.
Loan Level: BDGS.F has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: BDGS.F's Loans to Deposits ratio (112%) is appropriate.
Level of Bad Loans: BDGS.F has a high level of bad loans (2.6%).
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What is Bank of Georgia Group current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BDGS.F's dividend (8.86%) is higher than the bottom 25% of dividend payers in the US market (1.62%).
High Dividend: BDGS.F's dividend (8.86%) is in the top 25% of dividend payers in the US market (4.34%)
Stability and Growth of Payments
Stable Dividend: BDGS.F has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: BDGS.F's dividend payments have increased, but the company has only paid a dividend for 4 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (21.9%), BDGS.F's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BDGS.F's dividends in 3 years are forecast to be well covered by earnings (38.1% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Archil Gachechiladze (41 yo)
Mr. Archil Gachechiladze, CFA, has been Chief Executive Officer and Executive Director of JSC Bank of Georgia since January 28, 2019. He serves as CEO of Bank of Georgia at Georgia Capital PLC. Mr. Gachech...
CEO Compensation Analysis
Compensation vs Market: Archil's total compensation ($USD4.10M) is about average for companies of similar size in the US market ($USD4.08M).
Compensation vs Earnings: Archil's compensation has increased by more than 20% in the past year.
Experienced Management: BDGS.F's management team is considered experienced (3.3 years average tenure).
Experienced Board: BDGS.F's board of directors are considered experienced (4.3 years average tenure).
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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bank of Georgia Group PLC's employee growth, exchange listings and data sources
- Name: Bank of Georgia Group PLC
- Ticker: BDGS.F
- Exchange: OTCPK
- Founded: 2017
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: UK£686.938m
- Listing Market Cap: UK£844.289m
- Shares outstanding: 47.12m
- Website: https://www.bankofgeorgiagroup.com
Number of Employees
- Bank of Georgia Group PLC
- 42 Brook Street
- Greater London
- W1K 5DB
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/05/31 00:00|
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.