Lion Finance Group PLC

Lion Finance Group PLC

149.00
EUR
-1.00
(-0.67%)
17.30EPS
7.98P/E
5.82BMarket Cap
Nov 04Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
18.65
19.53
15.27
17.56
21.2
23.82
23.49
23.23
29.09
43.67
57.31
82.63
101.04
103.07
Basic EPS, GAAP
5.93
6.72
5.84
8.89
10.3
10.78
10.45
6.17
15.22
30.99
31.3
56.91
50.27
50.95
Free Cash Flow per Basic Share
11.46
-2.86
16.12
23.65
19.47
11.6
12.14
19.99
-2.83
99.89
25.04
65.32
43.18
- -
Dividend per Share
1.51
2.02
1.58
2.17
2.4
2.8
2.6
0.05
1.51
4.24
8.96
8.58
11.01
- -
Book Value per Share
34.85
41.45
47.96
56.61
61.46
37.59
45.36
53.41
65.65
89.09
114.62
162.77
193.76
217.85
Tangible Book Value per Share
32.63
39.23
44.97
52.21
58.51
35.14
42.4
50.06
61.86
85.24
109.83
154.3
184.15
207.69
Basic Weighted Avg Shares
34
35
52
45
42
44
48
48
48
46
44
44
43
46
Sales/Revenue/Turnover
634
675
794
787
900
1,036
1,119
1,105
1,383
2,028
2,548
3,597
4,344
4,735
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
32
35
36
37
41
45
78
83
94
111
125
173
222
240
Net Income, GAAP
201
233
304
399
438
469
498
294
724
1,440
1,391
2,477
2,161
2,341
Effective Tax Rate (%)
14.64
12.95
14.56
- -
6.8
12.95
10.15
6.81
9.33
11.66
15.64
12.74
16.17
16.68
Profit Margin (%)
31.79
34.43
38.27
50.63
48.61
45.25
44.49
26.56
52.33
70.97
54.61
68.87
49.75
49.43
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,402
1,571
2,075
2,914
3,562
3,273
4,098
3,972
4,115
2,873
3,056
6,854
8,609
10,123
Total Equity
1,241
1,634
2,042
2,388
2,732
1,798
2,151
2,550
3,093
4,249
5,020
7,015
8,422
9,392
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.86
7.67
8.1
- -
7.1
7.9
8.75
4.58
10.5
20.03
18.23
22.5
13.98
13.85
Return on Common Equity (%)
18.37
16.87
17.89
20.16
19.23
22.27
25.32
12.55
25.77
39.38
30.15
41.33
28.05
27.53

Capital Structure

GEL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
43
43
43
Market Capitalization
14,672
14,328
17,519

Working Capital

GEL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,722
7,204
7,921
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GEL

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.2%
27.32%
20.06%
Free Cash Flow
-357.05%
-723.02%
-34.71%
Net Income, GAAP
32.07%
61.47%
-12.74%
Sales/Revenue/Turnover
19.48%
31.87%
20.79%
Total Cash Common Dividend
346.16%
703.02%
26.72%

Quarterly Revenue

GEL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
644
965
938
1,070
3,597
2025
979
1,062
1,084
1,242
4,344
2026
1,126
1,283
- -
- -
- -

Quarterly Earnings Per Share

GEL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
23.53
8.29
9.75
11.75
56.91
2025
11.81
10.2
11.16
13.84
50.27
2026
13.72
12.51
- -
- -
- -

Quarterly Dividends Per Share

GEL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
8.58
2025
- -
- -
- -
- -
11.01
2026
- -
- -
- -
- -
- -

Company Description

CEO
Archil Gachechiladze
Full Time Employees
13,247
Sector
Finance
Industry
Major banks
Address
42 Brook Street London GL United Kingdom W1J 5RL
IPO Date
Feb 28, 2012
Business
Lion Finance Group PLC, through its various subsidiaries, delivers a broad spectrum of banking and financial solutions across the high-growth markets of Georgia and Armenia, with operations also extending to Belarus. The company structures its offerings through three principal divisions: Georgian Financial Services, Armenian Financial Services, and Other Businesses. The Georgian Financial Services segment offers extensive retail banking options, including personal and mortgage lending, credit cards, and deposit accounts for individuals across mass retail and affluent categories. It further supports small and medium enterprises and micro businesses with tailored loans and essential transaction services. This division also encompasses corporate and investment banking, providing credit facilities, trade finance, and treasury services to institutional clients, alongside wealth management and brokerage services for high-net-worth individuals. The Armenian Financial Services segment, significantly expanded through the acquisition of Ameriabank in March 2024, extends comprehensive corporate, investment, and retail banking offerings. The Other Businesses division primarily consists of Belarusky Narodny Bank, which provides retail and corporate banking services within Belarus, and JSC Digital Area, a digital ecosystem in Georgia focused on e-commerce and software-as-a-service solutions. Lion Finance Group PLC was established as a dedicated banking entity in 2017 and maintains its headquarters in London, United Kingdom.

Company News

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  • Lion Finance Group PLC (BDGSF) Q3 2025 Earnings Call Transcript

  • Lion Finance Group PLC (BDGSF) Q2 2025 Earnings Call Transcript

  • Lion Finance Group PLC (BDGSF) Q1 2025 Earnings Call Transcript

  • Lion Finance Group PLC (BDGSF) Q4 2024 Earnings Call Transcript

  • Lion Finance leaps to new all-time high after solid results, name change from Bank of Georgia

  • Bank of Georgia Group (BDGSF) Q3 2024 Earnings Call Transcript