profit from every £100 of sales.
£0£100
TBC Bank Group
£53.35+9.86% today
+29.6% in 1 year
1-year low £37.601-year high £54.15
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay £7.29 for every £1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What TBC Bank Group sold, what it kept, and what it did with the cash.
Sales went from GEL 2.13 billion in 2022 to GEL 3.50 billion in 2025, with GEL 1.40 billion of profit last year.
SalesProfit
TBC Bank Group handed back 98% of the cash it generated last year.
GEL 488M
Free cash flow 2025GEL 610M
Bought back its own sharesGEL 108M
Paid as dividendsGEL 488M
Cash vs. debtGEL 4.9B vs. GEL 7.1B
TBC Bank Group vs. similar companies
TBC Bank Group grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from £100 of sales | Sales growth a year | Price per £1 of profit |
|---|---|---|---|
| TBC Bank Group | 7.3× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads TBC Bank Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of GEL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,134 | 2,452 | 2,924 | 3,496 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 995 | 1,124 | 1,284 | 1,397 | |
| 18.20 | 20.72 | 23.17 | 25.37 | |
| – | – | – | – | |
| – | – | – | – | |
| 46.6% | 45.8% | 43.9% | 40.0% |
Balance sheet
| In millions of GEL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 28,988 | 32,965 | 40,160 | 43,940 |
| Cash | 5,953 | 5,389 | 5,670 | 4,865 |
| Total debt | 2,036 | 4,800 | 6,135 | 7,055 |
| Total liabilities | 25,022 | 28,145 | 34,421 | 37,594 |
| 3,880 | 4,684 | 5,556 | 6,175 | |
| 55 | 54 | 55 | 55 | |
| – | – | – | – | |
| 25.7% | 24.0% | 23.1% | 22.6% |
Cash flow
| In millions of GEL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,502 | 473 | -1,426 | 996 | |
| 226 | 263 | 340 | 386 | |
| 3,276 | 209 | -1,766 | 610 | |
| Dividends paid | 239 | 279 | 275 | 488 |
| 65 | 59 | 71 | 108 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 7.3×
- –
- 0.62
- 1.4×
- 2.9×
- 13.7%
- 4.8%
Profitability
- 40.0%
- –
- –
- –
- –
Growth
- +17.9%
- +11.7%
- –
- +0.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 14%of 866
Top 27%of 862
Top 50%of 921
4.8%of the share price, paid each year
On $1,000 invested$48a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
34.9% of its profit
Room to growStretchedMore than it earns: 79.9%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about TBC Bank Group
Is TBC Bank Group a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the TBC Bank Group AI analysis
What does TBC Bank Group do?
TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, insurance, brokerage, and card processing services to corporate and individual customers in Georgia, Azerbaijan, and Uzbekistan. It is in Banks - Regional, based in London, United Kingdom, with 14,000 employees.
Does TBC Bank Group pay a dividend?
Yes. At today's price the dividend is 4.8% a year, about 35% of its yearly profit. In 2025 it paid out £488 million in dividends.
Is TBC Bank Group stock halal?
No. TBC Bank Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has TBC Bank Group stock done over the past year?
Up 29.6% over the past twelve months, to £53.35. It traded between £37.60 and £54.15, close to its high.
Who are TBC Bank Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with TBC Bank Group's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.