Georgia Capital PLC (CGEO) fair value: what the stock is really worth
As of Oct 26, 2026: fair value (intrinsic value) of Georgia Capital PLC stock £85.20, price £42.60, upside +100.0%, quality 71 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?Yes
Good quality?Yes
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 27, 2026.
How to read this chart
60‑month range £4.59 – £50.20 · fair‑value band £44.57 – £142.83 · the £42.60 price screens below the £85.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 27, 2026.
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Georgia Capital PLC is a private equity and venture capital firm specializing in early stage, organic growth and acquisitions. It considers Greenfields through mature stage companies.
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The firm typically invests in automotive retail, education services, hotels, resorts & cruise lines, restaurants, beverages, healthcare, banks, property and casualty insurance, life and health insurance, diversified REITs, water utilities, and renewable electricity. It seeks to invest in Georgia.
The firm seeks board position in public portfolio companies. It exits through IPO or trade sale in five to ten years. The firm raises capital through equity and debt market transactions.
Georgia Capital PLC was founded on 5 July 2017 and is based in Tbilisi, Georgia with additional offices in Tbilisi, Georgia; London, United Kingdom and Bristol, United Kingdom. Georgia Capital PLC operates independently of BGEO Group plc as of May 29, 2018.
Stock analysis
Georgia Capital PLC (CGEO) currently trades at £42.60, while our model-based Fair Value estimate is £85.20, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of £638.47 per share, and 5 of the 5 models we run sit above the £42.60 price.
Bear case: the Multiples group reads lowest at £66.44, and 0 of the 5 models stay below the price. Data coverage for this calculation is low.
Scenario range: £44.57 (bear) to £142.83 (bull), the price of £42.60 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 71/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Georgia Capital PLC reported revenue of 1.9B GEL in FY2025 versus 704M GEL in FY2021, a compound +28.2%/yr. Reported net income was 1.9B GEL in FY2025, compounding −2.4%/yr from FY2021.
Key figures
Market cap £1.4B Small · P/E ratio 3.2 · P/S ratio 3.20 · EPS (TTM) £13.28 · Net margin 99.6% · Return on equity 31.9% · Return on assets (EBIT) 8.0% · Revenue growth (YoY) −28.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 90 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 72% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at 100%, CGEO screens cheaper than that median.
Fair Value models
Bear£44.57Fair Value £85.20Bull£142.83
Price £42.60 · Upside +100.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (£10.92 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.60/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+416.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+41.1%
Start year 2020 (pandemic). Over 10 years: +30.6% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.6%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−6.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.4%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.7% vs 39.5%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−102% → 100%
2025 sits 345% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Financial Conglomerates · 55 stocks
Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)31.9% · Top 25%
Return on assets36.4% · Top 25%
Net margin (12 months)99.4% · Top 25%
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−28.7% · Bottom 25%
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Georgia Capital PLC Fair Value". https://www.fairvalue-calculator.com/stock/CGEO
Frequently asked questions
Is Georgia Capital PLC (CGEO) overvalued or undervalued?
As of Oct 27, 2026, our model estimates a fair value of £85.20 versus a price of £42.60, about +100% upside (undervalued).
What is the fair value of CGEO?
Our model-based fair value for Georgia Capital PLC is £85.20 (as of Oct 27, 2026), built from audited fundamentals. The current price: £42.60.
What is the quality score of CGEO?
Georgia Capital PLC has a Quality Score of 71/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Georgia Capital PLC (CGEO)?
Our model-based price target is the fair value of £85.20 (as of Oct 27, 2026) from 5 valuation models. Cautious scenario £44.57, optimistic scenario £142.83. It is a calculation from audited fundamentals, not an analyst target.
What is the Georgia Capital PLC stock forecast for 2026?
Our models put fair value at £85.20, about +100% upside versus a price of £42.60 (undervalued). Cautious scenario £44.57, optimistic scenario £142.83. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Georgia Capital PLC (CGEO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Georgia Capital PLC it is £85.20 per share (as of Oct 27, 2026), against a price of £42.60. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Georgia Capital PLC stock overvalued or undervalued in 2026?
As of Oct 27, 2026, CGEO trades below its calculated fair value: price £42.60, fair value £85.20, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CGEO?
No. The price is what the market pays today (£42.60); the fair value is what the company's own numbers justify (£85.20). For Georgia Capital PLC the two are £42.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is Georgia Capital PLC worth?
The market values Georgia Capital PLC at about £1.4B (market capitalisation, as of Oct 27, 2026). Per share that is £42.60; our models calculate a fair value of £85.20 per share.
What do the bullish and bearish scenarios say about CGEO?
Our models span a range for Georgia Capital PLC: cautious scenario £44.57, base £85.20, optimistic £142.83 per share (as of Oct 27, 2026, price £42.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CGEO?
Georgia Capital PLC trades at a price-to-earnings ratio of 3.2 (as of Oct 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £85.20 is built from several models across several years. Other multiples: P/B 0.4, P/S 5.3.
How solid is the balance sheet of Georgia Capital PLC (CGEO)?
Balance-sheet figures for Georgia Capital PLC (as of Oct 27, 2026): return on equity 31.9%. They feed the Quality Score of 71/100, which measures business quality independently of the share price.
How far is CGEO from its 52-week high?
Georgia Capital PLC trades at £42.60, about 15% below its 52-week high of £50.20 and 72% above the low of £24.70 (as of Oct 26, 2026). Distance from the high says nothing about value: that is what the fair value of £85.20 is for.
Which stocks are comparable to Georgia Capital PLC?
From the same area (Financial Services) we also value ORIX Corporation, Yuanta Financial Holding, Bajaj Finserv Ltd, China Galaxy Securities Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Georgia Capital PLC stock attractive at the current price?
The data as of Oct 27, 2026: price £42.60, calculated fair value £85.20 (+100%), Quality Score 71/100, from 5 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CGEO calculated?
We run Georgia Capital PLC through 5 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £85.20, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.7 % above its aggregate fair value. Georgia Capital PLC currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Georgia Capital PLC (CGEO)?
The closing price on Oct 26, 2026 was £42.60. Our model-based fair value is £85.20, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Georgia Capital PLC right now?
The rarer combination: high quality (71/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (£44.57). The market is more pessimistic than our downside scenario. The model range is unusually wide (£44.57 to £142.83). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Georgia Capital PLC
How large is the market capitalisation of Georgia Capital PLC (CGEO)?
The market capitalisation of Georgia Capital PLC is £1.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Georgia Capital PLC (CGEO)?
The price-to-sales ratio of Georgia Capital PLC is 3.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Georgia Capital PLC (CGEO)?
Earnings per share at Georgia Capital PLC are £13.28 (price ÷ EPS = P/E 3.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Georgia Capital PLC (CGEO)?
The net margin of Georgia Capital PLC is 99.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Georgia Capital PLC (CGEO)?
The return on equity (ROE) of Georgia Capital PLC is 31.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Georgia Capital PLC (CGEO)?
On an EBIT basis the return on assets of Georgia Capital PLC is 8.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Georgia Capital PLC (CGEO)?
Revenue at Georgia Capital PLC is growing −28.7% versus a year earlier (3y avg +1,171%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Georgia Capital PLC (CGEO)?
Earnings per share at Georgia Capital PLC are growing +27.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Georgia Capital PLC (CGEO) generate?
The free cash flow of Georgia Capital PLC is −5.8M GEL (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Georgia Capital PLC (CGEO) hold?
Georgia Capital PLC holds more cash than debt, 13.5M GEL net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Oct 27, 2026