TBC Bank Group (TBCG) Fair Value & Analysis
Financial Services · GB · Market cap 2.4B GBX
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 4 days ago
Fair value updated Jun 26, 2026 — revised from £90.60 to £89.28 (−1.5%) since Jun 24, 2026. Share price −1.6% over the past month.
Price vs Fair Value (12 months)
12‑month range £35.34 – £50.92 · fair‑value band £66.96 – £111.60 · the £44.64 price screens below the £89.28 fair value. As of Jun 26, 2026.
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TBC Bank Group (TBCG) currently trades at £44.64, while our model-based Fair Value estimate is £89.28 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, TBC Bank Group generated revenue of £2.8B at a net margin of 47.1%. Revenue grew 15.1% year over year. It earns a return on equity of 24.0%. Net debt stands at £2.2B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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. The company operates through Georgian Financial Services; Uzbekistan Operations; and Other Operations segments. It offers banking business solutions, such as deposit and loans; and other financial services, including non-health insurance and leasing services; asset finance solutions; advisory services; and financial leasing, operating leasing, and sale and leasebacks. The company also offers digital banking services comprising cash loans, deposits, debit cards, remittances, gamification, installment/POS loans, daily banking, credit cards, MSME, and buy now, pay later (BNPL). In addition, it provides payment solutions, such as P2P transfers, utility and government payments, PFM, and QR payments, as well as Payme travel, goals, tickets, and subscription. Further, the company offers brok…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
TBC Bank Group reported revenue of £5.8B in FY2025 versus £2.4B in FY2021, a compound +24.9%/yr. Reported net income was £1.4B in FY2025, compounding +14.9%/yr from FY2021.
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Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹747.05 | ₹894.11 | +20% |
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| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,910 IDR | 4,844 IDR | +66% |
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| PT Bank Mandiri (Persero) Tbk BMRI | 4,220 IDR | 8,440 IDR | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.