Frontierby eninvs

Language: EN · RU

← Region

DOM.RF (DOMRF) RUB

At a glance: strengths & risks
✓Revenue growing (+40%)✓Profit growing (+35%)✓Strong ROE (19%)✓Book value growing (+24%)✓Dividend yield above fair (22% vs 11%)

Sector: Financial Services

RU_DOMRF

Price chart

2 249.6 RUBDay 1.42%

Key metrics

Market

Price
2 249.6 RUB · 1.42%
Market cap
404.7 bn RUB

Growth

Δ NII y/y
29.6%
Δ net profit y/y
22.2%

Multiples

P/E (LTM)
3.8x
P/B (FY)
0.9x
P/E (ann.)
3.5x

Returns

Dividend yield
10.6%
ROE (annualized)
23.4%
ROI (ROE ÷ P/B)
27.2%

Value creation

annualized net income / market cap (return on equity value)
Banking potential
+29.8%
↓ details

Liquidity

Daily turnover (MOEX)
394 mln RUB

Shares: connector/market_inputs

Amounts: USD (converted) · As reported
Converted modes use NBK / ECB-linked rates: balance sheet date for BS items, period average for P&L and cash flow (see filing row evidence). As reported keeps each row in its filing currency.

Financial results

Monetary columns are in B 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.

DatePeriodStatusNet interest incomeB RUBNet profitB RUBAssetsB RUBEquityB RUBROE (annualized)Source
2026-06-30Q2 2026 (3M)OK52.2
y/y 29.6%
28.7
y/y 22.2%
6829.4
y/y 22.4%
480.8
y/y 21.8%
23.4%Report (PDF)
2026-03-31Q1 2026 (3M)OK48.6
y/y 42.6%
28.5
y/y 82.5%
6656.5
y/y 21.2%
500.5
y/y 27.5%
23.5%Report (PDF)
2025-12-31Q4 2025 (3M)OK47.6
y/y 53.8%
26.5
y/y 244.7%
6423.6
y/y 15.4%
469.7
y/y 23.7%
20.1%Report (PDF)
2025-09-30Q3 2025 (3M)OK40.0
y/y 20.0%
23.2
y/y -3.4%
5808.8
y/y 13.0%
415.7
y/y 13.9%
7.6%Report (PDF)
2025-06-30Q2 2025 (3M)OK40.2
y/y 40.9%
23.5
y/y 35.2%
5578.9
y/y 21.4%
394.7
y/y 15.0%
23.9%Report (PDF)
2025-03-31Q1 2025 (3M)OK34.1
y/y 13.5%
15.6
y/y -6.4%
5490.6
y/y 31.5%
392.7
y/y 14.1%
16.2%Report (PDF)
2024-12-31Q4 2024 (3M)OK31.0
y/y 18.9%
7.7
y/y -26.7%
5568.5
y/y —
379.6
y/y —
17.7%Report (PDF)
2024-09-30Q3 2024 (3M)OK33.3
y/y 47.0%
24.0
y/y 108.0%
5140.0
y/y —
365.0
y/y —
9.0%Report (PDF)
2024-06-30Q2 2024 (3M)OK28.6
y/y 87.1%
17.4
y/y -13.6%
4597.3
y/y —
343.1
y/y —
20.2%Report (PDF)
2024-03-31Q1 2024 (3M)OK30.0
y/y 103.5%
16.7
y/y 228.9%
4175.0
y/y —
344.2
y/y —
—Report (PDF)
2023-12-31Q4 2023 (3M)OK26.0
y/y —
10.5
y/y —
—
y/y —
—
y/y —
—Link
2023-09-30Q3 2023 (3M)OK22.7
y/y —
11.5
y/y —
—
y/y —
—
y/y —
—Link
2023-06-30Q2 2023 (3M)OK15.3
y/y —
20.1
y/y —
—
y/y —
—
y/y —
—Link
2023-03-31Q1 2023 (3M)OK14.8
y/y —
5.1
y/y —
—
y/y —
—
y/y —
—Link

Income statement (bank, IFRS)

IFRS decomposition: interest, fee and trading result with provisions, costs and the recurring/non-recurring profit split (bn RUB). Source: eninvs.com.

Item, bn RUB202220242025YoY
Interest income173618857 +39%
Interest expense-117-495-696 -40%
Net interest income55.7123162 +32%
Credit-loss provisions-10.5-30.4-27.2 +10%
NII after provisions47.5104131 +25%
Fee & commission income22.320.839.6 +91%
Fee & commission expense-0.6-1.4-1.2 +12%
Net fee & commission income21.719.438.4 +98%
Financial instruments & investment result5.38.99.0 +0%
Other operating income, net1.45.2-1.9 -136%
Operating income78.0144202 +40%
Administrative & other expenses (SG&A)-25.6-39.4-48.6 -24%
Profit before tax35.174.8108 +44%
Income tax-4.8-9.1-19.0 -110%
Net profit30.265.888.8 +35%
of which recurring25.657.981.4 +41%
of which non-recurring4.67.87.4 -6%
Key ratios (annual)
ROE16.2%22.0%20.9% -1.1 pp
Cost of risk (CoR)—0.72%0.57% -0.2 pp
Cost-to-income (CIR)32.8%27.4%24.1% -3.3 pp
Net interest margin (NIM)2.38%2.92%2.70% -0.2 pp

Quarterly dynamics & ratios

ROE = net profit ×4 / avg equity; CoR = provisions ×4 / avg credit portfolio; CIR = admin expense / operating income; NIM = NII ×4 / avg assets.

Quarter24/09
Q3		24/12
Q4		25/03
Q1		25/06
Q2		25/09
Q3		25/12
Q4		26/03
Q1		26/06
Q2
P&L, bn RUB
Net interest income33.331.034.140.240.047.748.652.2
Provisions-5.9-17.6-4.7-8.9-2.9-9.2-11.1-11.1
Net fee income11.80.66.06.111.313.411.815.6
Financial instruments & investment-0.77.1-1.06.3-0.38.24.80.6
Operating income45.532.240.446.751.661.460.668.1
Admin (SG&A)-9.4-10.9-9.6-11.0-11.4-15.2-11.9-15.1
Net profit24.07.715.623.523.226.528.528.7
Balance (period-end), bn RUB
Credit portfolio4 1094 2204 2424 4244 8385 3185 2385 525
Securities portfolio (bonds)134334327299305606604639
Customer deposits2 4352 4682 5432 6462 8472 9653 0373 302
Other assets8961 014921856666500815665
Total assets5 1405 5685 4915 5795 8096 4246 6566 829
Equity365380393395416470501481
Key ratios (annualised)
ROE (annualised)27.1%8.3%16.2%23.9%22.9%24.0%23.5%23.4%
Cost of risk (CoR)0.61%1.69%0.44%0.83%0.25%0.72%0.84%0.82%
Cost-to-income (CIR)20.8%33.8%23.7%23.6%22.1%24.7%19.6%22.2%
Net interest margin (NIM)2.74%2.31%2.47%2.91%2.81%3.12%2.97%3.09%

Monthly results (IFRS, group)

<div class='muted' style='font-size:.72rem;line-height:1.2'>13.0 bln mo</div> source: CBR

Bank potential breakdown (Return per share)
ReportedMonthly ×12
Reporting periodQ2 2026
RAS profit, quarter months
Apr 2026 843 mln
May 2026 12.2 bln
Jun 2026 11.4 bln
Annualised profit, mln RUB114.8 bln136.5 bln
Book (equity)480.8 bln480.8 bln
ROE (annualised)24%28%
Price / Book0.88x0.88x
Potential [ROE / P/B]+27%+32%

Potential = annualised net profit / market cap (= ROE / P/B). 'Reported' is the last IFRS quarter annualised; 'Forecast' adjusts it for seasonality from the latest monthly RAS data (multiplier X = profit of the most recent months / profit of the quarter's months); 'Monthly ×12' annualises the latest RAS month. RAS = parent bank charter, IFRS = group; the bases differ, so the forecast is a momentum indicator.

PeriodNet interest income (YTD)Net operating result (YTD)Pre-tax profit (YTD)Net profit (YTD)Total comprehensive income
Jun 2026 📄 PR69.9 bln
+54.7% y/y · 12.9 bln mo +25.3%
-1.1 bln
-81.8% y/y · 806 mln mo -52.6%
68.9 bln
+75.3% y/y · 13.7 bln mo +14.2%
55.7 bln
+79.8% y/y · 11.4 bln mo +6.3%
58.1 bln
+46.5% y/y · 7.0 bln mo -61.1%
May 2026 📄 PR57.1 bln
+63.4% y/y · 9.3 bln mo +5.9%
-1.9 bln
-75.3% y/y · 5.1 bln mo -212.3%
55.2 bln
+102.2% y/y · 14.4 bln mo +243.7%
44.3 bln
+118.6% y/y · 12.2 bln mo +329.8%
51.1 bln
+136.4% y/y · 14.4 bln mo +163.0%
Apr 2026 📄 PR59.1 bln
15.2 bln mo
—46.6 bln
11.1 bln mo
38.7 bln
10.1 bln mo
—
Mar 2026 📄 PR43.9 bln
+26.0% y/y · 15.4 bln mo
—35.5 bln
13.0 bln mo
28.5 bln
+82.5% y/y · 10.1 bln mo
—
Feb 2026 📄 PR28.5 bln
14.0 bln mo
—22.5 bln
11.9 bln mo
18.4 bln
9.5 bln mo
—
Jan 2026 📄 PR14.5 bln
14.5 bln mo
—10.6 bln
10.6 bln mo
8.9 bln
8.9 bln mo
—
Dec 2025 📄 PR133.3 bln
+9.3% y/y · 14.4 bln mo
—107.8 bln
12.7 bln mo
88.8 bln
+35.1% y/y · 10.3 bln mo
—
Nov 2025 📄 PR119.0 bln
11.9 bln mo
—95.1 bln
10.3 bln mo
78.5 bln
8.3 bln mo
—
Oct 2025 📄 PR107.1 bln
-8.8 bln mo
—84.9 bln70.2 bln
7.9 bln mo
—
Sep 2025 📄 PR115.9 bln
+26.0% y/y
——62.3 bln
+7.3% y/y
—
Aug 202567.8 bln
11.2 bln mo
-13.8 bln
-3.3 bln mo
54.1 bln
7.9 bln mo
43.3 bln
6.7 bln mo
62.2 bln
9.5 bln mo
Jul 202556.7 bln
11.5 bln mo
-10.5 bln
-4.5 bln mo
46.2 bln
6.9 bln mo
36.6 bln
5.7 bln mo
52.7 bln
13.0 bln mo

Balance sheet & capital (issuer press release)

Period-end balances + capital adequacy + profitability. Extracted from the issuer's monthly press release (LLM parsing).

PeriodCorporate loansRetail loansCorporate depositsRetail depositsTotal assetsTotal capitalROE (YTD), %Cost/Income, %
Apr 20262.8 trn760.5 trn1.3 trn1.6 trn6.7 trn—23.8%22.3%
Mar 20262.7 trn758.0 bln1.4 trn1.6 trn6.7 trn
+21.2% y/y
—23.8%21.9%
Feb 20262.7 trn783.0 bln1.4 trn1.6 trn6.6 trn—23.7%24.3%
Jan 20262.7 trn783.2 bln1.5 trn1.5 trn6.5 trn—22.1%24.7%
Dec 20252.7 trn772.6 bln1.4 trn1.5 trn6.4 trn
+15.4% y/y
—21.6%28.3%
Nov 20252.7 trn769.9 bln1.4 trn1.5 trn6.2 trn—21.0%25.5%
Oct 20252.6 trn753.0 bln1.6 trn1.4 trn6.0 trn—21.0%26.4%
Sep 2025————5.8 trn
+13.0% y/y
416.0 bln21.0%25.4%

Capital adequacy ratios (CBR)

Bank of Russia form 0409135 · latest reporting date 01.07.2026 (June 2026) · systemically important since 01.2026

Н1.011.94%headroom +1.94min. 10.00%
Н1.210.82%headroom +2.83min. 8.00%
Н1.110.82%headroom +4.33min. 6.50%
9.212.211.94%08.202507.2026ratio · dashed — minimum · bars — headroom
DateН1.0, % (headroom)Н1.2, % (headroom)Н1.1, % (headroom)Н2, %Н3, %Н4, %Н27, %Status
01.07.202611.94 (+1.94)10.82 (+2.83)10.82 (+4.33)92.3386.6766.86117.97ok
01.06.202611.98 (+1.98)11.29 (+3.29)11.29 (+4.79)129.5895.8164.28126.59ok
01.05.202612.05 (+2.05)10.95 (+2.94)10.95 (+4.45)115.33122.1467.72133.69ok
01.04.202612.39 (+2.39)11.11 (+3.10)11.11 (+4.61)114.27101.9467.87150.20ok
01.03.202611.83 (+1.83)10.96 (+2.96)10.96 (+4.46)76.18109.6366.39125.37ok
01.02.202611.90 (+1.90)10.46 (+2.46)10.46 (+3.96)85.9785.2772.44112.53ok
01.01.202611.88 (+1.88)10.49 (+2.50)10.49 (+4.00)136.25131.9772.51—ok
01.12.202511.64 (+2.64)10.92 (+3.92)10.92 (+5.42)69.3374.5271.25—ok
01.11.202511.78 (+2.78)10.59 (+3.59)10.59 (+5.09)99.28106.8778.98—ok
01.10.202512.13 (+3.13)10.93 (+3.93)10.93 (+5.43)102.61135.0278.46—ok
01.09.202512.17 (+3.17)11.09 (+4.09)11.09 (+5.59)108.5691.8375.90—ok
01.08.202512.11 (+3.11)10.33 (+3.33)10.33 (+4.83)96.2186.3777.75—ok

CBR reporting dates are the 1st of the month, i.e. the previous month's close. Figures in brackets are headroom over the minimum incl. buffers; «r» marks a value taken from the bank's own release (clickable). N20.x are banking-group ratios, N2/N3/N4 are liquidity ratios, N27 is the NSTLR.

All banks, full history and liquidity ratios →

Dividend potential

Dividend-model upside: +110%

The payout is forecast from smoothed profit × payout ratio, capped by free cash flow (developers exempt — escrow) and floored at the recent actual dividend (companies hold payouts while profitable). Fair yield = key rate + the historical yield-spread to the rate (so growers that historically traded below the rate score higher). Upside = fair price / current − 1.

1 · Forecast dividend (per policy)
Smoothed net profit (median YTD-ann./LTM/FY)102 bn RUB
Payout ratio50%
Free cash flow (FY, OCF − capex)-614 bn RUB
Recent actual dividend (3-yr median)246.88 ₽
= Forecast dividend per share493.76 ₽
2 · Fair yield (spread to key rate)
CBR key rate14.0%
Historical yield spread to rate (3-yr median)-3.4 pp
= Fair dividend yield (bank floor ≈ rate−3.5)10.6%
3 · Valuation → upside
Current price2218 ₽
Forecast dividend yield22.3%
Fair price (dividend-based)4668 ₽

Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.

Dividend history

Paid, trailing 12-mo: 493.76 RUB/sh · 22.3%

Pay yearDividend /sh
2026493.76 ₽
Payments by period
PeriodEx-date/sh
2026 q32026-07-17246.88 ₽
2026 q22026-04-30246.88 ₽

Dividends

No dividend rows found for this issuer.

Investment-community mentions

Substantive mentions last 7 days: 1 (1 positive), last 30 days: 14 (13 positive) across tracked channels, broker research and shows. 23 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.

Corporate events

30.06.26Filing★ ▲ Дата определения (фиксации) лиц, имеющих право на осуществление прав по ценным бумагам эмитента
ПАО «ДОМ.РФ» установило дату, на которую фиксируются лица, имеющие право на получение дивидендов по обыкновенным акциям по итогам 2025 года, на 20 июля 2026 года. Регистрационный номер акций: 1-02-00739-А, ISIN: RU000A0ZZFU5.
30.06.26AGM / Board★ ▲ Решения общих собраний участников (акционеров)
На годовом общем собрании акционеров ПАО ДОМ.РФ, состоявшемся 30.06.2026, было принято решение о распределении прибыли, включая выплату дивидендов в размере 246,88 руб. на акцию, что составляет 50,07% от чистой прибыли за 2025 год. Также были приняты решения о выплате вознаграждений членам наблюдательного совета и ревизионной комиссии, а также о назначении аудиторской организации.
22.06.26Filing★ ▲ Присвоение или изменение рейтинга эмиссионных ценных бумаг эмитента рейтинговым агентством или иной организацией на основании договора
ПАО ДОМ.РФ присвоен некредитный рейтинг акций на уровне «пять звёзд», что свидетельствует о высоком потенциале роста, зрелости корпоративного управления и прозрачной дивидендной политике. Рейтинг был присвоен 22 июня 2026 года и отражает возможности компании в сфере жилищного строительства.
06.08.26Material eventСобытия (действия), оказывающие, по мнению эмитента, существенное влияние на стоимость или котировки его ценных бумаг
ПАО «ДОМ.РФ» заключило договор на приобретение 761,6 тыс. биржевых облигаций серии БО-10 по цене 100% от их номинальной стоимости 1 тыс. руб. каждая. Дата приобретения облигаций назначена на 06.08.2026.
31.07.26AGM / BoardРешения совета директоров (наблюдательного совета)
Наблюдательный совет ПАО ДОМ.РФ принял решения 30 июля 2026 года, включая признание независимого директора и формирование комитетов по аудиту, кадрам и стратегическому планированию. Заседание прошло 28 июля 2026 года.

Source: e-disclosure material filings over the last 180 days; ★ — flagged important by the classifier; summaries are automatic.

RU equity fund ownership

Disclosed in the top-10 of 5 of 17 funds, ≈68 млн ₽ combined. Last month: trimmed — 1.

FundManagerWeight≈PositionΔ weight m/mDisclosure
TITR Т-Капитал Акции ростаТ-Капитал9.58%30 млн ₽—30.06.2026
SIPO Первая – Фонд АйПиОПервая9.23%8 млн ₽-0.74 pp30.06.2026
TRND Т-Капитал Трендовые акцииТ-Капитал4.61%23 млн ₽—30.06.2026
SBRI Первая - Фонд Ответственные инвестицииПервая3.96%6 млн ₽—30.06.2026
SCFT Технологии будущегоДоверительная3.87%0 млн ₽—30.06.2026

Source: monthly fund portfolio disclosures (investfunds); NAV is daily. Disclosures list each fund's top-10 only, so absence does not mean no position. Weight changes mix revaluation with trading. Fund flows and betas live in the fund monitor on the RU region page.

Investor reporting (IR): https://www.e-disclosure.ru/portal/files.aspx?id=1263

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 DOM.RF (DOMRF) — from primary filings.

Frequently asked questions

What is DOM.RF (DOMRF)'s P/E ratio?
DOM.RF (DOMRF) trades at a P/E of 3.8x (price to trailing 12-month earnings).
What is DOM.RF (DOMRF)'s P/B ratio?
DOM.RF (DOMRF) trades at a P/B of 0.9x.
What is DOM.RF (DOMRF)'s dividend yield?
DOM.RF (DOMRF)'s trailing 12-month dividend yield is 10.6%.
What is DOM.RF (DOMRF)'s return on equity (ROE)?
DOM.RF (DOMRF)'s ROE is 23.4%.
What is DOM.RF (DOMRF)'s market capitalization?
DOM.RF (DOMRF)'s market cap is 404.7 bn RUB.

See also: The Cheapest Stocks in the World (2026): What Value Investing Says About Buying Cheap · global valuation map