The earnings call highlights strong growth in Georgia, an expansion of digital banking, and a record net profit. However, concerns about economic moderation in Armenia, rising inflation, and excess liquidity management temper the overall positive outlook.

Company Guidance -

Q2 2025

During the Lion Finance Group PLC's First Quarter Results Call for the fiscal year 2025, the company provided key guidance and metrics on its performance and future outlook. In Georgia, the economy experienced a remarkable 9.3% year-on-year growth in Q1, prompting a revision of the full-year real GDP growth forecast to 6.8%. Meanwhile, Armenian GDP grew by 4.1% in the same quarter, with a projection of 4.5% for the full year. The company's loan book exhibited significant growth, with constant currency increases of 18% in Georgia and 30.9% in Armenia. Deposits grew by 18% in Georgia and 15.3% in Armenia. The net interest margin (NIM) was reported at 5.9%, with a stable outlook. The cost of credit risk remained low at 0.2% in Georgia and 0.3% in Armenia, contributing to a robust return on equity of 28.7%. The company maintained a strategic focus on digital banking, achieving significant growth in digital user engagement, while also managing excess liquidity and capital allocation prudently amid a supportive macroeconomic environment.

Strong Economic Growth in Georgia

The Georgian economy posted a 9.3% year-on-year growth in Q1, surpassing expectations and leading to a revised full-year real GDP growth forecast of 6.8%.

Digital Banking Expansion

Lion Finance Group's digital banking platform saw an 11% increase in monthly active customers and a 17% increase in monthly active digital users, reaching 1.65 million users in Georgia.

Record Net Profit

The group reported a record net profit of 513 million lari for the quarter, with a return on equity of 28.7%.

Loan Portfolio Growth

The loan book grew by 18% in Georgia and 30.9% in Armenia, showcasing strong demand and effective deployment of resources.

Bank of Georgia Group Plc (GB:BGEO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

GB:BGEO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 19, 2025	2025 (Q2)	9.19 / -	9.558	―	―	―
May 15, 2025	2025 (Q1)	- / 11.73	23.23	-49.50% (-11.50)	―	―
Feb 25, 2025	2024 (Q4)	- / 11.44	7.31	56.50% (+4.13)	―	―
Nov 12, 2024	2024 (Q3)	- / 11.39	7.92	43.76% (+3.47)	―	―
Aug 22, 2024	2024 (Q2)	- / 9.56	8.94	6.91% (+0.62)	―	―
May 29, 2024	2024 (Q1)	- / 23.23	6.44	260.71% (+16.79)	―	―
Mar 15, 2024	2023 (Q4)	5.95 / 7.31	13.61	-46.29% (-6.30)	―	―
Nov 14, 2023	2023 (Q3)	6.10 / 7.92	6.19	27.95% (+1.73)	―	―
Aug 17, 2023	2023 (Q2)	- / 8.94	5.79	54.40% (+3.15)	―	―
May 17, 2023	2023 (Q1)	- / 6.44	5	28.80% (+1.44)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GB:BGEO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 15, 2025	6602.69p	6035.35p	-8.59%
Feb 25, 2025	5194.12p	5301.72p	+2.07%
Nov 12, 2024	4724.59p	4719.70p	-0.10%
Aug 22, 2024	4122.00p	4131.54p	+0.23%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Bank of Georgia Group Plc (GB:BGEO) report earnings?

Bank of Georgia Group Plc (GB:BGEO) is schdueled to report earning on Aug 19, 2025, Before Open (Confirmed).

What is Bank of Georgia Group Plc (GB:BGEO) earnings time?

Bank of Georgia Group Plc (GB:BGEO) earnings time is at Aug 19, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is the P/E ratio of Bank of Georgia Group Plc stock?

The P/E ratio of Bank of Georgia Group Plc is N/A.

What is GB:BGEO EPS forecast?

GB:BGEO EPS forecast for the fiscal quarter 2025 (Q2) is 9.19.

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