Bank of Georgia Group Plc (GB:BGEO)
LSE:BGEO
Earnings Data
Report Date
Aug 18, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
9.64Last Year’s EPS
―Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a strongly positive performance: robust revenue and profit growth, outstanding loan and deposit expansion, excellent asset quality, market share gains, digital leadership and strong capital/liquidity positions. Challenges cited were manageable: subdued FX income, flat group NIM with some margin pressure in Armenia, elevated near‑term operating costs (especially in Georgia) driven by investments and labor inflation, and macro downside risks from higher global energy/food prices. Management signaled these are largely known, monitored issues and expects some normalization (cost‑to‑income improvements, NIM stabilization) over time.Company Guidance
FTSE 100 Inclusion and Milestone Anniversary
Joined the FTSE 100 in 2026 marking 20 years since LSE listing — highlighted as a major strategic and reputational milestone for the Group.
Group Profit and Profitability Growth
Group profit grew 14% year‑on‑year with return on equity of 27.4% and return on average assets near 4%, demonstrating strong profitability.
Strong Top‑Line Growth
Operating income up 15% and net interest income up ~18.4% year‑on‑year, driven by lending expansion and fee growth.
Robust Loan and Deposit Expansion
Group loan book grew 23% year‑on‑year and deposits grew 17.5%, with particularly strong loan growth in Armenia and healthy deposit traction in both markets.
Excellent Asset Quality and Low Cost of Risk
NPL ratio low at 2.1% and cost of risk extremely low at 0.3% (well below midterm guidance of 80–100 bps), indicating high portfolio quality.
Georgia: Digital Leadership and Market Position
Georgian Financial Services profit +11.6% to GEL 452m, ROE 31.5%; retail monthly active customers 2.2m and digital MAU 1.9m; 88% of loans originated via digital channels; NPS 75% and CSAT 93%; acquiring volume +19.7% and acquiring market share 56.9%.
Armenia: Rapid Growth and Market Share Gains
Armeniabank profit +35% to GEL 129m, ROE 21.8%; loan book +34.6% (constant currency) and deposits ~+30%; customer MAU +33% and digital MAU +47% to 362k; market share by loans 22% (+1.7pp) and deposits 19.5% (+1pp).
Strong Capital and Liquidity Buffers
Group and subsidiaries show solid buffers: Georgia CET1 buffer ~2.5pp, LCR ~140% and NSFR ~130%; Armenia LCR >200% and NSFR >125%; Armenia issued first local AT1 USD 50m (8.5% coupon) and plans another USD 50m.
Awards and Customer Experience Recognition
Received 'World's Best Digital Bank' (second consecutive year) and regional AI innovation awards; CSAT 93% in Georgia and sustained high NPS, underlining strong franchise quality.
Capital Return Policy
Announced capital distribution of GEL 177m (GEL 122m dividends and ~GEL 55m share buyback), ~GEL 2.85 per share for the quarter and guidance to target 15% annual book growth while maintaining distribution range.
GB:BGEO Earnings History
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 07, 2026 | 11190.00 p | 11580.00 p | +3.49% |
Feb 25, 2026 | 10228.72 p | 11230.76 p | +9.80% |
Nov 20, 2025 | 7642.67 p | 8031.45 p | +5.09% |
Aug 20, 2025 | 7382.55 p | 7382.55 p | 0.00% |
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 18, 2026, 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 18, 2026, 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?
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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 2026 (Q2) is 9.64.