{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "9e16b4ec-0db5-44b8-9d71-825abdff220f",
    "symbol": "TBCG",
    "name": "TBC Bank Group PLC",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "9e16b4ec-0db5-44b8-9d71-825abdff220f",
      "symbol": "TBCG",
      "name": "TBC Bank Group PLC",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "TBCG.L",
    "market_cap": 2496292096.0,
    "market_cap_usd": 241146671282.0,
    "price": 4532.0,
    "currency": "GBP",
    "dividend_yield": 0.0584,
    "dividend_years": 8,
    "dividend_growth_5y": 0.27122866,
    "dividend_cut_5y": true,
    "payout_ratio": 0.4139,
    "net_income": 1397337000.0,
    "free_cash_flow": 610182000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 1.14234799,
    "revenue_growth_5y": 0.17885341,
    "net_margin": 0.4714,
    "roe": 0.23967,
    "pe_ratio": 6.3207808,
    "price_vs_ma": 0.04922591,
    "return_3y": 0.80552184,
    "return_5y": 3.04593424,
    "max_drawdown": -0.41818185,
    "scores": {
      "dividend_reliability": 14.9,
      "dividend_sustainability": 18.5,
      "business_quality": 25.0,
      "valuation": 13.0,
      "trend": 13.5,
      "total": 84.9,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency GBP differs from financial currency GEL.",
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/",
      "chart": "https://sharemaestro.com/terminal/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 14.9,
    "dividend_sustainability": 18.5,
    "business_quality": 25.0,
    "valuation": 13.0,
    "trend": 13.5,
    "total": 84.9,
    "confidence": 100.0
  },
  "warnings": [
    "Price currency GBP differs from financial currency GEL.",
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2026-05-21",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "Dividend increased 123.6%",
      "detail": "Payment changed from 48.27 to 108.",
      "amount": 107.95,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2026-05-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 108 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 107.95,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2026-01-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 48.27 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 48.27,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2025-10-23",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "Dividend increased 18.1%",
      "detail": "Payment changed from 41.04 to 48.49.",
      "amount": 48.493,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2025-10-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 48.49 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 48.493,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "Dividend cut -72.7%",
      "detail": "Payment changed from 150.1 to 41.04.",
      "amount": 41.044,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 41.04 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 41.044,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2025-06-05",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "Dividend increased 110.6%",
      "detail": "Payment changed from 71.28 to 150.1.",
      "amount": 150.142,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2025-06-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 150.1 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 150.142,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2024-10-03",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "Dividend decreased -44.9%",
      "detail": "Payment changed from 129.4 to 71.28.",
      "amount": 71.278,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2024-10-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 71.28 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 71.278,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2024-06-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "Dividend increased 66.4%",
      "detail": "Payment changed from 77.78 to 129.4.",
      "amount": 129.4023,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2024-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 129.4 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 129.4023,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2023-09-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 77.78 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 77.784195,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2023-05-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 92.83 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 92.8315,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2022-09-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 77.39 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 77.3898,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2022-06-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 60.3 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 60.3032,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    },
    {
      "event_date": "2021-08-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TBCG",
      "exchange": "LSE",
      "headline": "TBCG dividend payment 34.88 GBP",
      "detail": "Recorded dividend payment for TBC Bank Group PLC.",
      "amount": 34.88,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9e16b4ec-0db5-44b8-9d71-825abdff220f/"
    }
  ]
}