CarMoney is a Russian fintech lender issuing loans secured by the borrower's car, which stays with the owner, operating online and through partner networks.
Sector: Financial Services
RU_CARM
Shares: connector/market_inputs
Monetary columns are in M RUB, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.
| Date | Period | Status | Net interest incomeM RUB | Net profitM RUB | AssetsM RUB | EquityM RUB | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | H1 2026 (6M) | OK | 869.0 y/y 22.2% | 132.1 y/y 83.6% | 11968.3 y/y 41.9% | 5621.3 y/y 9.5% | 4.8% | Report (PDF) |
| 2025-12-31 | H2 2025 (6M) | OK | 2006.9 y/y 56.0% | 355.1 y/y 185.2% | 9180.2 y/y 23.6% | 5489.2 y/y 36.5% | 8.0% | Report (PDF) |
| 2025-06-30 | H1 2025 (6M) | OK | 711.0 y/y -46.6% | 71.9 y/y -64.1% | 8434.2 y/y 20.2% | 5134.1 y/y 31.7% | 3.1% | Report (PDF) |
| 2024-12-31 | H2 2024 (6M) | OK | 1286.6 y/y -4.9% | 124.5 y/y -64.6% | 7428.1 y/y 14.7% | 4022.2 y/y 8.8% | 8.2% | Report (PDF) |
| 2024-06-30 | H1 2024 (6M) | OK | 1332.4 y/y 14.9% | 200.6 y/y -32.1% | 7015.8 y/y 20.2% | 3897.7 y/y 50.2% | 10.6% | Report (PDF) |
| 2023-12-31 | H2 2023 (6M) | OK | 1352.3 y/y — | 352.1 y/y — | 6475.2 y/y — | 3697.1 y/y — | 20.6% | Report (PDF) |
| 2023-06-30 | H1 2023 (6M) | OK | 1160.1 y/y — | 295.5 y/y — | 5838.6 y/y — | 2595.0 y/y — | — | Report (PDF) |
IFRS decomposition: interest, fee and trading result with provisions, costs and the recurring/non-recurring profit split (bn RUB). Source: eninvs.com.
| Item, bn RUB | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|
| Interest income | 3.0 | 3.1 | — | |
| Interest expense | -0.4 | -0.5 | -0.6 | -21% |
| Net interest income | 2.5 | 2.6 | 2.7 | +4% |
| Credit-loss provisions | -0.7 | -0.7 | -0.8 | -13% |
| NII after provisions | 1.9 | 1.9 | 1.9 | +0% |
| Other operating income, net | 0.1 | 0.1 | 0.0 | -59% |
| Operating income | 2.5 | 2.6 | 2.7 | +4% |
| Administrative & other expenses (SG&A) | -1.2 | -1.3 | -1.3 | +0% |
| Profit before tax | 0.8 | 0.6 | 0.6 | -6% |
| Income tax | -0.2 | -0.3 | -0.2 | +46% |
| Net profit | 0.6 | 0.3 | 0.4 | +31% |
| Key ratios (annual) | ||||
| ROE | 22.2% | 8.4% | 9.0% | +0.6 pp |
| Cost-to-income (CIR) | 47.0% | 50.2% | 48.2% | -2.0 pp |
| Net interest margin (NIM) | 42.85% | 37.67% | 32.73% | -4.9 pp |
Our earnings breakdowns and investment notes on this issuer.
Current 0.41x · 3-year median 1.09x
P/B is market cap ÷ equity of the latest reported quarter, P/E is ÷ profit of the last four quarters. EV/EBITDA is not computed for financials: EBITDA is not a meaningful line for them and their net debt is operating liquidity, not leverage.
Group: Financial Services. Every peer trades on the same market, so no adjustment is needed.
| Company | Market | Cap, $bn | P/E |
|---|---|---|---|
| MTS Bank | Russia | 0.4 | 1.9x |
| Mosgorlombard | Russia | 0.0 | 2.2x |
| Bank VTB | Russia | 15.2 | 2.8x |
| Sovcombank | Russia | 2.8 | 2.9x |
| Sberbank | Russia | 79.7 | 3.5x |
| DOM.RF | Russia | 4.6 | 3.5x |
| Zaymer | Russia | 0.2 | 3.7x |
| Bank Sankt-Peterburg | Russia | 1.4 | 3.9x |
| TBank | Russia | 8.8 | 3.9x |
| Europlan | Russia | 1.0 | 10.6x |
| Credit Bank of Moscow | Russia | 4.2 | 15.3x |
| Group median | 3.5x | ||
| Group average | 4.9x | ||
| This company | Russia | 0.0 | 4.6x |
Group median 3.5x; this company 4.6x — a 30% premium.
Group average 4.9x; against the average this company is at a 7% discount. The average sits 39% above the median: Credit Bank of Moscow (15.3x) skews the group.
At the adjusted group median the market cap would be -23% versus today.
The gap and the implied upside are measured against the median: one richly priced peer moves an average, not a median. The market adjustment uses our coverage medians (US 28.1x, Russia 6.3x, South Africa 11.2x, Kazakhstan 9.2x, India 27.1x, Indonesia 7.3x); it is about where a name is listed, not what it does. Peer multiples come from the nightly rebuild of 2026-10-21; the company's own is live.
Illiquid — forecast not shown
The line trades very thinly (low average daily turnover), so the model dividend forecast is unreliable and is not shown. Actual (sporadic) payments are in the dividend-history card below.
Paid, trailing 12-mo: 0.08 RUB/sh · 5.2%
| Pay year | Dividend /sh | |
|---|---|---|
| 2025 | 0.08 ₽ |
| Period | Last day to buy | /sh |
|---|---|---|
| 2025 q4 | 2025-12-09 | 0.08 ₽ |
No dividend rows found for this issuer.
Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)
Financial results, valuation multiples (P/E, P/B), profitability and dividend yield of CarMoney — from primary filings.
| Issue | YTM | Coupon | Price, % | 1D | Volume today, ₽ | Avg vol. 20D, ₽ | Maturity |
|---|---|---|---|---|---|---|---|
| ПСБ Фин2Р1 | float | float | 100.73 | +0.00% | 234K | 179K | 03.2027 |
| ПСБ Фин2P2 | float | float | 100.33 | +0.22% | 30K | 230K | 01.2029 |
Price, YTM and turnover from MOEX; 1D is the current price vs the previous session close; floaters have no fixed YTM. Not investment advice.
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