Lion Finance Group PLC

LSE:BGEO Stock Report

Market Cap: UK£4.2b

Lion Finance Group Valuation

Is BGEO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of BGEO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: BGEO (£98) is trading below our estimate of future cash flow value (£335.8)

Significantly Below Future Cash Flow Value: BGEO is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BGEO?

Key metric: As BGEO is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for BGEO. This is calculated by dividing BGEO's market cap by their current earnings.
What is BGEO's PE Ratio?
PE Ratio7x
EarningsGEL 2.16b
Market CapGEL 15.15b

Price to Earnings Ratio vs Peers

How does BGEO's PE Ratio compare to its peers?

The above table shows the PE ratio for BGEO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average7.1x
HSBK Halyk Bank of Kazakhstan
3.8x3.87%US$8.6b
TBCG TBC Bank Group
6x13.14%UK£2.3b
STAN Standard Chartered
10.1x8.83%UK£34.5b
NWG NatWest Group
8.4x4.35%UK£45.8b
BGEO Lion Finance Group
7x11.11%UK£4.2b

Price-To-Earnings vs Peers: BGEO is good value based on its Price-To-Earnings Ratio (7x) compared to the peer average (7.1x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does BGEO's PE Ratio compare vs other companies in the European Banks Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
BGEO 7.0xIndustry Avg. 10.7xNo. of Companies40PE0612182430+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: BGEO is good value based on its Price-To-Earnings Ratio (7x) compared to the European Banks industry average (10.7x).

Price to Earnings Ratio vs Fair Ratio

What is BGEO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BGEO PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7x
Fair PE Ratio8.9x

Price-To-Earnings vs Fair Ratio: BGEO is good value based on its Price-To-Earnings Ratio (7x) compared to the estimated Fair Price-To-Earnings Ratio (8.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst BGEO forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£98.00
UK£111.74
+14.02%
16.05%UK£131.00UK£79.40n/a6
Mar ’27UK£116.30
UK£111.74
-3.92%
16.05%UK£131.00UK£79.40n/a6
Feb ’27UK£100.90
UK£100.58
-0.32%
10.39%UK£112.50UK£79.40n/a6
Jan ’27UK£93.00
UK£95.66
+2.86%
8.91%UK£107.00UK£79.40n/a6
Dec ’26UK£89.65
UK£93.16
+3.92%
7.37%UK£101.00UK£79.40n/a6
Nov ’26UK£80.05
UK£91.11
+13.82%
6.95%UK£98.56UK£79.40n/a5
Oct ’26UK£76.65
UK£91.39
+19.23%
7.87%UK£98.56UK£79.40n/a4
Sep ’26UK£72.90
UK£90.39
+23.99%
7.78%UK£98.56UK£79.40n/a4
Aug ’26UK£76.30
UK£73.70
-3.40%
19.47%UK£90.00UK£52.26n/a5
Jul ’26UK£69.20
UK£68.78
-0.60%
17.52%UK£89.93UK£52.26n/a6
Jun ’26UK£66.80
UK£68.78
+2.97%
17.52%UK£89.93UK£52.26n/a6
May ’26UK£62.05
UK£63.65
+2.58%
11.45%UK£72.50UK£52.26n/a5
Apr ’26UK£54.90
UK£63.65
+15.94%
11.45%UK£72.50UK£52.26n/a5
Mar ’26UK£52.90
UK£63.65
+20.33%
11.45%UK£72.50UK£52.26UK£116.305
Feb ’26UK£47.55
UK£58.25
+22.51%
15.66%UK£72.50UK£45.50UK£100.905
Jan ’26UK£47.10
UK£58.25
+23.68%
15.66%UK£72.50UK£45.50UK£93.005
Dec ’25UK£46.85
UK£58.25
+24.34%
15.66%UK£72.50UK£45.50UK£89.655
Nov ’25UK£42.60
UK£57.25
+34.39%
13.39%UK£67.50UK£45.50UK£80.055
Oct ’25UK£35.60
UK£57.25
+60.82%
13.39%UK£67.50UK£45.50UK£76.655
Sep ’25UK£45.50
UK£57.25
+25.83%
13.39%UK£67.50UK£45.50UK£72.905
Aug ’25UK£43.85
UK£56.85
+29.65%
13.11%UK£67.50UK£45.50UK£76.305
Jul ’25UK£41.00
UK£56.84
+38.63%
14.33%UK£67.50UK£42.70UK£69.205
Jun ’25UK£37.10
UK£56.84
+53.21%
14.33%UK£67.50UK£42.70UK£66.805
May ’25UK£54.20
UK£62.60
+15.50%
23.76%UK£91.40UK£42.70UK£62.056
Apr ’25UK£50.50
UK£62.27
+23.30%
24.18%UK£91.40UK£42.70UK£54.906
Mar ’25UK£50.20
UK£58.46
+16.45%
23.51%UK£83.05UK£42.70UK£52.906
UK£111.74
Fair Value
12.3% undervalued intrinsic discount
6
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/03/16 06:31
End of Day Share Price 2026/03/16 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Lion Finance Group PLC is covered by 14 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Andreas MarkouBerenberg
Olga VeselovaBofA Global Research
Gareth HuntCanaccord Genuity