Market Price

0.92 

0.01 1.3%

as of May 16 '22

52 Week Range:

0.88 1.51


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

BGEO Group plc, together with its subsidiaries, provides banking, healthcare, insurance, real estate, utility, pharmaceutical, leasing, brokerage, and investment management services to corporate and individual customers primarily in Georgia. The company's Retail Banking segment offers consumer and mortgage loans, overdrafts, credit cards and other credit facilities, and funds transfer and settlement services; and deposits for individuals and legal entities. Its Corporate Investment Banking segment provides loans and other credit facilities to corporate clients, and other legal entities; trade finance, currency conversion, and documentary operational support services; and saving and term deposits for corporate and institutional customers. It also offers finance lease facilities; private banking services to resident and non-resident wealthy individuals; wealth and asset management services to individuals; and corporate advisory, private equity, and brokerage services. Its Georgia Global Utilities segment supplies water and electricity, and provides wastewater services. The company's Georgia Healthcare Group segment provides pharmacy and medical insurance, and healthcare services. Its Property and Casualty Insurance segment provides property and casualty insurance services to corporate clients and insured individuals. The company's Belarusky Narodny Bank segment offers retail and corporate banking services in Belarus. Its m2 Real Estate segment develops and sells residential apartments; and holds investment properties repossessed by the Bank from defaulted borrowers, as well as manages those properties. The company also produces and distributes wine. As of December 31, 2016, it operated 278 branches, 801 automated teller machines, and 2,729 Express Pay terminals. The company was formerly known as Bank of Georgia Holdings PLC and changed its name to BGEO Group plc in November 2015. BGEO Group plc was founded in 1994 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 '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 11.46
13.53
15.61
22.78
20.33
19.54
0.53
growth rate 18.1% 15.4% 45.9% -10.8% -3.9% -59.4%
Avg.PE 45.00
300.00
growth rate 566.7%
ROA 3.06
3.40
3.31
3.30
3.43
3.45
3.11
-104.44
-84.93
-168.18
-40.79
growth rate 11.1% -2.7% -0.3% 3.9% 0.6% -9.9% -100.0% 0.0% 0.0% 0.0%
ROE 18.45
19.69
18.37
16.87
17.73
19.84
19.08
-149.85
-118.67
-251.50
-45.87
growth rate 6.7% -6.7% -8.2% 5.1% 11.9% -3.8% -100.0% 0.0% 0.0% 0.0%
ROIC -150.73
-120.36
-253.58
-46.00
growth rate 0.0% 0.0% 0.0%
Cur. Ratio 3.30
4.52
2.56
15.22
growth rate 37.0% -43.4% 494.5%
Quick Ratio 3.25
4.34
2.48
15.15
growth rate 33.5% -42.9% 510.9%
Leverage 6.04
5.59
5.51
4.82
5.46
6.00
6.27
1.43
1.28
1.64
1.07
growth rate -7.5% -1.4% -12.5% 13.3% 9.9% 4.5% -77.2% -10.5% 28.1% -34.8%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 142.34
122.01
168.46
260.39
129.72
growth rate -14.3% 38.1% 54.6% -50.2%
Acct.Payable 3,352.62
3,623.87
5,241.64
6,147.35
7,195.83
growth rate 8.1% 44.6% 17.3% 17.1%
Cur.Assets 1,763.14
1,572.57
2,587.38
3,214.95
4,458.82
growth rate -10.8% 64.5% 24.3% 38.7%
Total Assets 6,520.97
7,579.15
10,079.09
12,954.18
15,168.67
growth rate 16.2% 33.0% 28.5% 17.1%
Cash 1,053.67
710.14
1,432.93
1,573.61
1,582.44
growth rate -32.6% 101.8% 9.8% 0.6%
Inventory 132.13
150.53
176.63
239.17
152.29
growth rate 13.9% 17.3% 35.4% -36.3%
Cur.Liabilities 3,815.11
4,247.54
5,847.62
7,591.05
8,978.91
growth rate 11.3% 37.7% 29.8% 18.3%
Liabilities 5,279.92
5,945.05
8,037.00
10,565.96
12,436.30
growth rate 12.6% 35.2% 31.5% 17.7%
LT Debt 1,359.47
1,477.77
1,971.12
2,801.05
3,340.22
growth rate 8.7% 33.4% 42.1% 19.3%
Equity 1,182.54
1,574.09
1,821.27
2,131.87
2,420.60
growth rate 33.1% 15.7% 17.1% 13.5%
Common Shares 34.00
34.00
34.00
35.00
38.00
40.00
40.00
39.00
39.00
39.00
39.00
growth rate 0.0% 0.0% 2.9% 8.6% 5.3% 0.0% -2.5% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 70.59
80.46
63.71
152.86
336.38
growth rate 14.0% -20.8% 139.9% 120.1%
Cash Dividends 51.24
69.73
82.02
97.11
101.71
growth rate 36.1% 17.6% 18.4% 4.8%
Cash From OA 34.46
-255.25
552.50
892.97
-478.58
growth rate -100.0% 100.0% 61.6% -100.0%
FCF per Share 1.69
5.51
5.61
8.79
-2.73
8.85
-0.10
growth rate 226.0% 1.8% 56.7% -100.0% 100.0% -100.0%
Sale Purchase of Stock 219.03
219.03
growth rate 0.0%
FCF 132.00
205.00
390.00
-99.00
744.00
859.00
601.00
-73.00
-37.00
-24.00
-45.00
growth rate 55.3% 90.2% -100.0% 100.0% 15.5% -30.0% -100.0% 0.0% 0.0% 0.0%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 512.95
575.68
612.09
711.89
924.27
growth rate 12.2% 6.3% 16.3% 29.8%
Op.Income 262.00
290.78
326.02
362.46
443.74
growth rate 11.0% 12.1% 11.2% 22.4%
IBT 245.26
276.59
332.59
352.79
435.85
growth rate 12.8% 20.3% 6.1% 23.5%
Net Income 201.49
232.51
303.69
398.54
437.62
growth rate 15.4% 30.6% 31.2% 9.8%
EPS 4.20
5.17
5.93
6.72
7.93
10.09
11.07
-1.59
-0.84
-1.09
-1.24
growth rate 23.1% 14.7% 13.3% 18.0% 27.2% 9.7% -100.0% 0.0% 0.0% 0.0%
Gross Profit 505.47
566.61
602.01
700.90
909.43
growth rate 12.1% 6.3% 16.4% 29.8%

Quarterly Statements

Item Name Mar '17 Jun '17 Sep '17 Dec '17 Mar '18
Balance Sheet
Acct.Receivable 1,296.40
221.57
1,223.60
129.72
958.45
growth rate -82.9% 452.2% -89.4% 638.9%
Acct.Payable 5,294.46
5,828.72
6,252.23
7,195.83
6,762.07
growth rate 10.1% 7.3% 15.1% -6.0%
Cur.Assets 2,888.31
3,162.62
3,340.99
4,458.82
5,250.93
growth rate 9.5% 5.6% 33.5% 17.8%
Total Assets 12,606.52
13,171.74
13,963.05
15,168.67
15,474.49
growth rate 4.5% 6.0% 8.6% 2.0%
Cash 1,285.48
1,454.39
1,721.81
1,582.44
1,754.92
growth rate 13.1% 18.4% -8.1% 10.9%
Inventory 205.13
204.43
230.66
152.29
10.37
growth rate -0.3% 12.8% -34.0% -93.2%
Cur.Liabilities 5,443.06
7,188.96
6,429.00
8,978.91
8,646.96
growth rate 32.1% -10.6% 39.7% -3.7%
Liabilities 10,153.77
10,628.34
11,299.16
12,436.30
12,733.92
growth rate 4.7% 6.3% 10.1% 2.4%
LT Debt 4,290.50
2,938.61
4,465.79
3,340.22
4,045.89
growth rate -31.5% 52.0% -25.2% 21.1%
Equity 2,208.90
2,249.78
2,363.30
2,420.60
2,429.52
growth rate 1.9% 5.1% 2.4% 0.4%
Common Shares 1.15
1.15
1.15
1.15
1.15
growth rate -0.1% -0.1% 0.0% 0.0%
Cash Flow Statement Mar '17 Jun '17 Sep '17 Dec '17 Mar '18
Income Statement Mar '17 Jun '17 Sep '17 Dec '17 Mar '18
Sales 258.05
292.69
295.41
263.68
194.74
growth rate 13.4% 0.9% -10.7% -26.2%
Op.Income 109.19
130.74
131.64
124.68
111.31
growth rate 19.7% 0.7% -5.3% -10.7%
IBT 113.29
128.15
123.03
118.47
108.68
growth rate 13.1% -4.0% -3.7% -8.3%
Net Income 100.43
117.18
106.28
113.73
115.95
growth rate 16.7% -9.3% 7.0% 2.0%
Gross Profit 258.05
292.69
295.41
263.68
194.74
growth rate 13.4% 0.9% -10.7% -26.2%

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:

F (0.00)

YOY Growth Grade:

F (13.50)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is undefined, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE 300.00 300.00
EPS / Growth

Value Price & Investment Recovery Time

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

Equity Growth Rate: 16.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 16.0% 16.0% 16.0%
Future PE 0.01 15.98 15.98
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT

Graham Number:

Current EPS is undefined, therefore Graham Number cannot be calculated.
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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