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Market Price

13.66 

0.29 2.2%

as of Aug 21 '19

52 Week Range:

13.00 19.27


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia. It operates through Retail Banking, Corporate Investment Banking, BNB, and Other Banking Business segments. 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, and SOLO brands. It primarily serves retail, mass retail, and mass affluent segments, as well as small and medium enterprises, and micro businesses. The Corporate Investment Banking segment offers loans and other credit facilities, funds transfers and settlement services, trade finance services, and documentary operations support services; and handles saving and term deposits for corporate and institutional customers, as well as provides private banking services to high net worth clients. The BNB segment offers retail and corporate banking services to clients in Belarus. The Other Banking Business segments provides compliance and governance services for various small corporate and social responsibility companies. As of December 31, 2018, the company operated 271 branches, 876 automated teller machines, and 3,115 Express Pay terminals. Bank of Georgia Group PLC was incorporated in 2017 and is headquartered in London, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 16.71
18.49
21.19
9.53
9.87
11.28
12.19
16.80
17.49
17.36
10.12
growth rate 10.7% 14.6% -55.0% 3.6% 14.3% 8.1% 37.8% 4.1% -0.7% -41.7%
Earnings BIT -0.28
-37.30
34.67
60.60
74.93
86.38
growth rate 0.0% 100.0% 74.8% 23.7% 15.3%
Avg.PE 139.60
0.11
5.68
11.75
3.51
3.51
3.51
91.84
91.84
growth rate -90.8% 5,063.6% 106.9% -70.1% 0.0% 0.0% 2,516.5% 0.0%
ROA 0.13
-2.96
2.42
3.06
3.40
3.31
3.30
3.43
3.45
3.11
3.13
growth rate -100.0% 100.0% 26.5% 11.1% -2.7% -0.3% 3.9% 0.6% -9.9% 0.6%
ROE 0.64
-14.68
13.46
18.45
19.69
18.37
16.87
17.73
19.84
19.08
22.28
growth rate -100.0% 100.0% 37.1% 6.7% -6.7% -8.2% 5.1% 11.9% -3.8% 16.8%
ROIC 0.64
-14.68
13.46
18.45
46.24
38.57
32.71
growth rate -100.0% 100.0% 37.1% 150.6% -16.6% -15.2%
Leverage 4.90
5.03
6.03
6.04
5.59
5.51
4.82
5.46
6.00
6.27
8.27
growth rate 2.7% 19.9% 0.2% -7.5% -1.4% -12.5% 13.3% 9.9% 4.5% 31.9%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 48.00
60.00
99.00
142.34
122.01
168.46
260.39
129.72
55.94
growth rate 25.0% 65.0% 43.8% -14.3% 38.1% 54.6% -50.2% -56.9%
Acct.Payable 2,142.00
2,647.00
2,758.00
3,352.62
3,623.87
5,241.64
6,147.35
7,195.83
8,468.84
growth rate 23.6% 4.2% 21.6% 8.1% 44.6% 17.3% 17.1% 17.7%
Cur.Assets 810.00
1,269.00
1,421.00
1,763.14
1,572.57
2,587.38
3,214.95
4,458.82
2,775.84
growth rate 56.7% 12.0% 24.1% -10.8% 64.5% 24.3% 38.7% -37.7%
Total Assets 1,139.96
1,026.10
4,005.00
4,665.00
5,656.00
6,520.97
7,579.15
10,079.09
12,954.18
15,168.67
14,798.30
growth rate -10.0% 290.3% 16.5% 21.2% 15.3% 16.2% 33.0% 28.5% 17.1% -2.4%
Cash 612.00
629.00
763.00
1,053.67
710.14
1,432.93
1,573.61
1,582.44
1,215.80
growth rate 2.8% 21.3% 38.1% -32.6% 101.8% 9.8% 0.6% -23.2%
Inventory 11.00
28.00
45.00
132.13
150.53
176.63
239.17
152.29
17.67
growth rate 154.6% 60.7% 193.6% 13.9% 17.3% 35.4% -36.3% -88.4%
Cur.Liabilities 2,192.00
2,708.00
3,135.00
3,815.11
4,247.54
5,847.62
7,591.05
8,918.23
10,041.93
growth rate 23.5% 15.8% 21.7% 11.3% 37.7% 29.8% 17.5% 12.6%
Liabilities 888.53
822.21
3,312.00
3,853.00
4,596.00
5,279.92
5,945.05
8,037.00
10,565.96
12,436.30
13,000.03
growth rate -7.5% 302.8% 16.3% 19.3% 14.9% 12.6% 35.2% 31.5% 17.7% 4.5%
LT Debt 0.00
0.00
1,026.00
1,044.00
1,265.00
1,359.47
1,477.77
1,971.12
2,801.05
3,340.22
2,862.48
growth rate 1.8% 21.2% 7.5% 8.7% 33.4% 42.1% 19.3% -14.3%
Equity 251.44
210.76
244.18
286.20
373.16
1,182.54
1,574.09
1,821.27
2,131.87
2,420.60
1,790.37
growth rate -16.2% 15.9% 17.2% 30.4% 216.9% 33.1% 15.7% 17.1% 13.5% -26.0%
Common Shares 30.00
30.00
34.00
34.00
34.00
34.00
35.00
38.00
40.00
40.00
44.00
growth rate 0.0% 13.3% 0.0% 0.0% 0.0% 2.9% 8.6% 5.3% 0.0% 10.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 42.99
8.63
42.00
76.00
61.00
70.59
80.46
63.71
73.13
110.46
95.10
growth rate -79.9% 386.7% 81.0% -19.7% 15.7% 14.0% -20.8% 14.8% 51.1% -13.9%
Cash Dividends 0.00
0.00
0.00
3.24
8.31
51.24
69.73
82.02
97.11
101.71
121.96
growth rate 156.5% 516.4% 36.1% 17.6% 18.4% 4.8% 19.9%
Cash From OA -164.92
70.09
108.97
73.26
318.00
34.46
-255.25
552.50
921.08
-656.39
-286.05
growth rate 100.0% 55.5% -32.8% 334.1% -89.2% -100.0% 100.0% 66.7% -100.0% 0.0%
FCF per Share 0.15
2.12
4.60
4.38
6.48
-2.35
7.86
6.40
growth rate 1,313.3% 117.0% -4.8% 48.0% -100.0% 100.0% -18.6%
Sale Purchase of Stock 219.03
219.03
growth rate 0.0%
FCF -288.00
169.00
268.00
132.00
205.00
390.00
-99.00
744.00
859.00
601.00
505.00
growth rate 100.0% 58.6% -50.8% 55.3% 90.2% -100.0% 100.0% 15.5% -30.0% -16.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 362.57
327.65
301.00
408.00
458.00
512.95
575.68
612.09
611.08
744.63
893.93
growth rate -9.6% -8.1% 35.6% 12.3% 12.0% 12.2% 6.3% -0.2% 21.9% 20.1%
Op.Income -0.28
-37.30
83.00
151.00
180.00
262.00
290.78
326.02
315.21
394.24
499.32
growth rate 0.0% 100.0% 81.9% 19.2% 45.6% 11.0% 12.1% -3.3% 25.1% 26.7%
IBT -0.80
-105.91
98.44
172.05
212.75
245.26
276.59
332.59
269.85
391.25
437.55
growth rate 0.0% 100.0% 74.8% 23.7% 15.3% 12.8% 20.3% -18.9% 45.0% 11.8%
Net Income 1.36
-32.19
83.00
151.00
180.00
201.49
232.51
303.69
398.54
437.62
469.00
growth rate -100.0% 100.0% 81.9% 19.2% 11.9% 15.4% 30.6% 31.2% 9.8% 7.2%
EPS 0.13
-3.00
2.74
4.20
5.17
5.93
6.72
7.93
10.09
11.07
10.71
growth rate -100.0% 100.0% 53.3% 23.1% 14.7% 13.3% 18.0% 27.2% 9.7% -3.3%
Gross Profit 294.00
402.00
447.00
505.47
566.61
602.01
600.69
731.74
880.51
growth rate 36.7% 11.2% 13.1% 12.1% 6.3% -0.2% 21.8% 20.3%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Balance Sheet
Acct.Receivable 26.67
1,429.55
55.94
1,414.21
8.77
growth rate 5,260.2% -96.1% 2,428.1% -99.4%
Acct.Payable 7,972.45
7,932.54
8,468.84
8,393.86
9,305.34
growth rate -0.5% 6.8% -0.9% 10.9%
Cur.Assets 2,736.92
2,734.46
2,775.84
2,660.28
2,854.51
growth rate -0.1% 1.5% -4.2% 7.3%
Total Assets 13,208.82
14,277.34
14,798.30
15,054.57
16,134.00
growth rate 8.1% 3.7% 1.7% 7.2%
Cash 1,546.86
1,237.87
1,215.80
1,162.17
936.11
growth rate -20.0% -1.8% -4.4% -19.5%
Inventory 11.09
18.60
17.67
11.76
11.75
growth rate 67.8% -5.0% -33.5% -0.1%
Cur.Liabilities 8,693.06
9,022.66
10,041.93
9,065.50
11,270.38
growth rate 3.8% 11.3% -9.7% 24.3%
Liabilities 11,571.24
12,644.00
13,000.03
13,135.79
14,215.78
growth rate 9.3% 2.8% 1.0% 8.2%
LT Debt 2,782.64
3,568.84
2,862.48
3,923.04
2,828.04
growth rate 28.3% -19.8% 37.1% -27.9%
Equity 1,630.43
1,626.20
1,790.37
1,910.34
1,909.84
growth rate -0.3% 10.1% 6.7% 0.0%
Common Shares 1.79
1.62
1.62
1.62
1.62
growth rate -9.6% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends
growth rate
Cash From OA
growth rate
FCF
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 217.58
218.05
263.57
218.15
227.15
growth rate 0.2% 20.9% -17.2% 4.1%
Op.Income 121.27
116.73
150.00
124.14
114.71
growth rate -3.8% 28.5% -17.2% -7.6%
IBT 77.78
113.31
137.78
110.92
116.44
growth rate 45.7% 21.6% -19.5% 5.0%
Net Income 123.08
104.10
125.87
101.51
106.64
growth rate -15.4% 20.9% -19.4% 5.1%
EPS
growth rate
Gross Profit 217.58
218.05
250.15
218.15
227.15
growth rate 0.2% 14.7% -12.8% 4.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (40.92)

YOY Growth Grade:

D (48.18)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 91.84 6.08 1.14
EPS / Growth 17.2% 2.25 9.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.3% 12.6% 12.6%
Future PE 1.14 13.20 13.20
Future EPS 5.47 7.38 7.38
Value Price
MOS %
1.54
-88.8%
24.08
76.3%
24.08
76.3%
MOS Price 0.77 12.04 12.04
IRT 4.68 4.36 4.36

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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