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 USD, 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 USD | Net profitM USD | AssetsM USD | EquityM USD | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | H1 2026 (6M) | OK | 12.2 y/y 22.2% | 1.9 y/y 83.6% | 167.9 y/y 41.9% | 78.8 y/y 9.5% | 4.8% | Report (PDF) |
| 2025-12-31 | H2 2025 (6M) | OK | 28.1 y/y 56.0% | 5.0 y/y 185.2% | 128.8 y/y 23.6% | 77.0 y/y 36.5% | 8.0% | Report (PDF) |
| 2025-06-30 | H1 2025 (6M) | OK | 10.0 y/y -46.6% | 1.0 y/y -64.1% | 118.3 y/y 20.2% | 72.0 y/y 31.7% | 3.1% | Report (PDF) |
| 2024-12-31 | H2 2024 (6M) | OK | 18.0 y/y -4.9% | 1.7 y/y -64.6% | 104.2 y/y 14.7% | 56.4 y/y 8.8% | 8.2% | Report (PDF) |
| 2024-06-30 | H1 2024 (6M) | OK | 18.7 y/y 14.9% | 2.8 y/y -32.1% | 98.4 y/y 20.2% | 54.7 y/y 50.2% | 10.6% | Report (PDF) |
| 2023-12-31 | H2 2023 (6M) | OK | 19.0 y/y — | 4.9 y/y — | 90.8 y/y — | 51.9 y/y — | 20.6% | Report (PDF) |
| 2023-06-30 | H1 2023 (6M) | OK | 16.3 y/y — | 4.1 y/y — | 81.9 y/y — | 36.4 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.
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 | Ex-date | /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, EV/EBITDA), profitability and dividend yield of CarMoney — from primary filings.
| Issue | YTM | Coupon | Price, % | Volume, ₽ | Maturity |
|---|---|---|---|---|---|
| ПСБ Фин2Р1 | float | float | 100.8 | 385K | 03.2027 |
| ПСБ Фин2P2 | float | float | 99.8 | 37K | 01.2029 |
YTM and turnover from MOEX; floaters have no fixed YTM. Not investment advice.
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