TBC Bank Group Plc engages as the holding company of TBC Bank. The firm offers non-financial services via TNET LLC, the digital ecosystem in Georgia. The company has operations in Uzbekistan by operating retail digital financial services in the country. TBC Bank, together with its subsidiaries, is a universal banking group in Georgia. Its segments include Georgian financial services (GFS), Uzbekistan and Other. The GFS segment includes business sub-segments: Corporate and investment banking; Retail, and Micro, small and medium enterprises. The Uzbekistan segment includes TBC Bank Uzbekistan with respective subsidiaries and Payme (Inspired LLC). Its other financial services include TBC Insurance, TBC Pay and TBC Leasing. TBC Insurance is a provider of retail non-health insurance. TBC Pay offers convenient payments solutions to customers via its wide network of self-service terminals.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
1,679
1,673
1,544
1,333
1,246
921
Income Tax Expense
252
252
236
193
243
112
Net Income
1,403
1,397
1,284
1,124
995
800
Net Income Growth
9%
9%
14%
13%
24%
152%
Shares Outstanding (Diluted)
55.81
55.81
55.16
54.63
55.72
55.9
Shares Change (YoY)
0%
1%
1%
-2%
0%
1%
EPS (Diluted)
25.14
25.03
23.27
20.57
17.85
14.33
EPS Growth
9%
8%
13%
15%
25%
149%
Free Cash Flow
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-1,766
209
3,276
883
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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EBIT
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EBIT Margin
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Effective Tax Rate
15%
15.06%
15.28%
14.47%
19.5%
12.16%
Follow-Up Questions
What are TBC Bank Group PLC's key financial statements?
According to the latest financial statement (Form-10K), TBC Bank Group PLC has a total asset of $43,940, Net profit of $1,397
What are the key financial ratios for TBCCF?
TBC Bank Group PLC's Current ratio is 1.16, has a Net margin is 0, sales per share of $0.
How is TBC Bank Group PLC's revenue broken down by segment or geography?
TBC Bank Group PLC largest revenue segment is Retail, at a revenue of 300,766,932 in the most earnings release.For geography, Georgia is the primary market for TBC Bank Group PLC, at a revenue of 808,565,424.
Is TBC Bank Group PLC profitable?
yes, according to the latest financial statements, TBC Bank Group PLC has a net profit of $1,397
Does TBC Bank Group PLC have any liabilities?
yes, TBC Bank Group PLC has liability of 37,765
How many outstanding shares for TBC Bank Group PLC?
TBC Bank Group PLC has a total outstanding shares of 55.82