Sector: Financial Services
RU_CBOM
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 | 776.0 y/y 31.8% | 219.4 y/y 125.3% | 65251.3 y/y — | 5450.2 y/y — | 8.2% | Link |
| 2025-12-31 | H2 2025 (6M) | OK | 887.1 y/y — | 219.7 y/y — | 68352.8 y/y -2.7% | 5215.9 y/y 6.5% | — | Link |
| 2025-06-30 | H1 2025 (6M) | OK | 588.7 y/y — | 97.4 y/y — | — y/y — | — y/y — | — | Link |
| 2024-12-31 | FY 2024 (12M) | OK | 1484.4 y/y — | 292.9 y/y — | 70249.4 y/y — | 4898.9 y/y — | — | Link |
Figures from the issuer's published IFRS report. Recurring and non-recurring profit are not estimated. Source: issuer report.
| Item, bn RUB | 2024 | 2025 | YoY |
|---|---|---|---|
| Interest income | 674 | 754 | +12% |
| Interest expense | -564 | -645 | -14% |
| Net interest income | 106 | 105 | -1% |
| Credit-loss provisions | -41.6 | -224 | -439% |
| NII after provisions | 64.3 | -119 | -285% |
| Fee & commission income | 20.5 | 19.1 | -7% |
| Fee & commission expense | -7.8 | -5.9 | +24% |
| Net fee & commission income | 12.7 | 13.2 | +4% |
| Other operating income, net | 1.2 | 195 | +16403% |
| Operating income | 64.1 | 67.7 | +6% |
| Administrative & other expenses (SG&A) | -41.5 | -35.6 | +14% |
| Profit before tax | 22.6 | 32.1 | +42% |
| Income tax | -1.7 | -9.5 | -456% |
| Net profit | 20.9 | 22.6 | +8% |
Our earnings breakdowns and investment notes on this issuer.
Current 0.76x · 3-year median 0.70x
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 | 0.5 | 1.9x |
| Mosgorlombard | Russia | 0.0 | 2.2x |
| Sovcombank | Russia | 3.0 | 2.6x |
| Bank VTB | Russia | 16.8 | 2.7x |
| Sberbank | Russia | 87.1 | 3.3x |
| DOM.RF | Russia | 5.1 | 3.4x |
| TBank | Russia | 9.8 | 3.8x |
| Zaymer | Russia | 0.2 | 3.8x |
| Bank Sankt-Peterburg | Russia | 1.7 | 4.0x |
| CarMoney | Russia | 0.0 | 4.1x |
| Europlan | Russia | 1.1 | 10.6x |
| Group median | 3.4x | ||
| Group average | 3.9x | ||
| This company | Russia | 4.1 | 13.1x |
Group median 3.4x; this company 13.1x — a 281% premium.
Group average 3.9x; against the average this company is at a 239% premium.
At the adjusted group median the market cap would be -74% 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 29.1x, Russia 5.7x, South Africa 10.6x, Kazakhstan 9.4x, India 27.5x, Indonesia 7.7x); it is about where a name is listed, not what it does. Peer multiples come from the nightly rebuild of 2026-10-01; the company's own is live.
No dividend rows found for this issuer.
Substantive mentions last 7 days: 0, last 30 days: 0 across tracked channels, broker research and shows. 24 passing mentions (digests, calendars) hidden.
Sources: Telegram channels (bloggers — blue chip, broker research — green), YouTube shows via transcripts (orange). Tone (▲/▼) is an automatic assessment in the stock's context. Quotes are fragmentary; authors' views are not our recommendations.
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 Credit Bank of Moscow (CBOM) — from primary filings.
| Issue | YTM | Coupon | Price, % | 1D | Volume today, ₽ | Avg vol. 20D, ₽ | Maturity |
|---|---|---|---|---|---|---|---|
| МКБ ЗО2027 | 17.0% | 7.5% | 91.90 | +1.98% | 1.2M | 7.3M | 10.2027 |
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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