Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Lion Finance Group plc is a UK-incorporated financial services holding company with its registered office in London, England, and corporate headquarters in Tbilisi, Georgia. It operates through leading subsidiaries providing comprehensive banking and financial services in Georgia and Armenia, primarily via Bank of Georgia, Georgia's second-largest bank by total assets, and Ameriabank, a prominent universal bank acquired in 2024. Additional entities include investment bank Galt & Taggart, Belarusian bank Belarusky Narodny Bank serving retail and SME clients, and digital ecosystem JSC Digital Area offering e-commerce, ticketing, and SaaS solutions. The group emphasizes customer-centric universal banking, digital excellence, and omnichannel distribution with a strong focus on retail, corporate, investment banking, payments, and wealth management. Listed on the premium segment of the London Stock Exchange and a FTSE 250 constituent, Lion Finance Group plc, formerly Bank of Georgia Group plc until February 2025, plays a pivotal role in the high-growth Caucasus financial markets, supporting over 12,000 employees and millions of digital users across its operations.
£117.50
+£3.20 (+2.80%)
EOD Jul 3, 2026
49.79% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 24.2% YoY. However, net income declined 10%, rising credit provisions or expenses may be eating into the top line.
Net income declined 10% YoY, profitability momentum has weakened.
8.0x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
GEL 4.51B
▲ +24.2% YoY
Net Income (TTM)
GEL 2.24B
▼ -10.5% YoY
Net Margin
49.52%
P/E
8.0x
Balance Sheet
Total Assets
GEL 60.87B
Equity
GEL 8.42B
Total Debt
GEL 8.61B
Cash & Equiv.
GEL 7.72B
3Y CAGR: +28.9%
Continue Research
At a P/E of 8.0 and a price-to-free-cash-flow of 9.6, Lion Finance Group (BGEO.XLON) trades below a two-stage DCF intrinsic value of about GEL 727.84 per share, so at GEL 117.50 the stock looks undervalued (519.4% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Lion Finance Group scores 82/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about GEL 727.84 per share for BGEO.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around GEL 545.88. At today's GEL 117.50, that puts the stock about 519.4% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Lion Finance Group scores 82 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Lion Finance Group pays a regular dividend of about GEL 11.01 per share per year (typically in quarterly installments), a yield of roughly 2.7% at the current price. That is a payout ratio of about 21.2% of earnings, so the dividend is amply covered by earnings. Lion Finance Group has grown the dividend at roughly 60.1% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For BGEO.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. BGEO.XLON currently trades below its estimated intrinsic value and scores 82/100 on quality (high-quality). It also yields about 2.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.