Sector: Financial Services
RU_DOMRF
Shares: connector/market_inputs
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.
| Date | Period | Status | Net interest incomeB RUB | Net profitB RUB | AssetsB RUB | EquityB RUB | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-03-31 | Q1 2026 (3M) | OK | 48.6 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) |
| 2025-12-31 | Q4 2025 (3M) | OK | 48.4 y/y 56.3% | 26.5 y/y 244.7% | 6423.6 y/y 15.4% | 469.7 y/y 23.7% | 20.1% | Report (PDF) |
| 2025-09-30 | Q3 2025 (3M) | OK | 40.0 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) |
| 2025-06-30 | Q2 2025 (3M) | OK | 39.5 y/y 38.2% | 23.5 y/y 35.2% | 5578.9 y/y 21.4% | 394.7 y/y 15.0% | 23.9% | Report (PDF) |
| 2025-03-31 | Q1 2025 (3M) | OK | 34.1 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) |
| 2024-12-31 | Q4 2024 (3M) | OK | 31.0 y/y 18.9% | 7.7 y/y -26.7% | 5568.5 y/y — | 379.6 y/y — | 17.7% | Report (PDF) |
| 2024-09-30 | Q3 2024 (3M) | OK | 33.3 y/y 47.0% | 24.0 y/y 108.0% | 5140.0 y/y — | 365.0 y/y — | 9.0% | Report (PDF) |
| 2024-06-30 | Q2 2024 (3M) | OK | 28.6 y/y 87.1% | 17.4 y/y -13.6% | 4597.3 y/y — | 343.1 y/y — | 20.2% | Report (PDF) |
| 2024-03-31 | Q1 2024 (3M) | OK | 30.0 y/y 103.5% | 16.7 y/y 228.9% | 4175.0 y/y — | 344.2 y/y — | — | Report (PDF) |
| 2023-12-31 | Q4 2023 (3M) | OK | 26.0 y/y — | 10.5 y/y — | — y/y — | — y/y — | — | Link |
| 2023-09-30 | Q3 2023 (3M) | OK | 22.7 y/y — | 11.5 y/y — | — y/y — | — y/y — | — | Link |
| 2023-06-30 | Q2 2023 (3M) | OK | 15.3 y/y — | 20.1 y/y — | — y/y — | — y/y — | — | Link |
| 2023-03-31 | Q1 2023 (3M) | OK | 14.8 y/y — | 5.1 y/y — | — y/y — | — y/y — | — | Link |
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 | 2022 | 2024 | 2025 | YoY |
|---|---|---|---|---|
| Interest income | 173 | 618 | 857 | +39% |
| Interest expense | -117 | -495 | -696 | -40% |
| Net interest income | 55.7 | 123 | 162 | +32% |
| Credit-loss provisions | -10.5 | -30.4 | -27.2 | +10% |
| NII after provisions | 47.5 | 104 | 131 | +25% |
| Fee & commission income | 22.3 | 20.8 | 39.6 | +91% |
| Fee & commission expense | -0.6 | -1.4 | -1.2 | +12% |
| Net fee & commission income | 21.7 | 19.4 | 38.4 | +98% |
| Financial instruments & investment result | 5.3 | 8.9 | 9.0 | +0% |
| Other operating income, net | 1.4 | 5.2 | -1.9 | -136% |
| Operating income | 78.0 | 144 | 202 | +40% |
| Administrative & other expenses (SG&A) | -25.6 | -39.4 | -48.6 | -24% |
| Profit before tax | 35.1 | 74.8 | 108 | +44% |
| Income tax | -4.8 | -9.1 | -19.0 | -110% |
| Net profit | 30.2 | 65.8 | 88.8 | +35% |
| of which recurring | 25.6 | 57.9 | 81.4 | +41% |
| of which non-recurring | 4.6 | 7.8 | 7.4 | -6% |
| Key ratios (annual) | ||||
| ROE | 16.2% | 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 |
ROE = net profit ×4 / avg equity; CoR = provisions ×4 / avg credit portfolio; CIR = admin expense / operating income; NIM = NII ×4 / avg assets.
| Quarter | 24/06 Q2 | 24/09 Q3 | 24/12 Q4 | 25/03 Q1 | 25/06 Q2 | 25/09 Q3 | 25/12 Q4 | 26/03 Q1 |
|---|---|---|---|---|---|---|---|---|
| P&L, bn RUB | ||||||||
| Net interest income | 28.6 | 33.3 | 31.0 | 34.1 | 39.5 | 40.0 | 47.7 | 48.6 |
| Provisions | -3.1 | -5.9 | -17.6 | -4.7 | -8.9 | -2.9 | -9.2 | -11.1 |
| Net fee income | 3.4 | 11.8 | 0.6 | 6.0 | 6.9 | 11.3 | 13.4 | 11.8 |
| Financial instruments & investment | 1.9 | -0.7 | 7.1 | -1.0 | 2.1 | -0.3 | 8.2 | 4.8 |
| Operating income | 32.2 | 45.5 | 32.2 | 40.4 | 46.7 | 51.6 | 61.4 | 60.6 |
| Admin (SG&A) | -9.6 | -9.4 | -10.9 | -9.6 | -11.0 | -11.4 | -15.2 | -11.9 |
| Net profit | 17.4 | 24.0 | 7.7 | 15.6 | 23.5 | 23.2 | 26.5 | 28.5 |
| Balance (period-end), bn RUB | ||||||||
| Credit portfolio | 3 658 | 4 109 | 4 220 | 4 242 | 4 424 | 4 838 | 5 318 | 5 238 |
| Securities portfolio (bonds) | 116 | 134 | 334 | 327 | 299 | 305 | 606 | 604 |
| Customer deposits | 2 290 | 2 435 | 2 468 | 2 543 | 2 646 | 2 847 | 2 965 | 3 037 |
| Other assets | 823 | 896 | 1 014 | 921 | 856 | 666 | 500 | 815 |
| Total assets | 4 597 | 5 140 | 5 568 | 5 491 | 5 579 | 5 809 | 6 424 | 6 656 |
| Equity | 343 | 365 | 380 | 393 | 395 | 416 | 470 | 501 |
| Key ratios (annualised) | ||||||||
| ROE (annualised) | 20.2% | 27.1% | 8.3% | 16.2% | 23.9% | 22.9% | 24.0% | 23.5% |
| Cost of risk (CoR) | 0.34% | 0.61% | 1.69% | 0.44% | 0.83% | 0.25% | 0.72% | 0.84% |
| Cost-to-income (CIR) | 29.9% | 20.8% | 33.8% | 23.7% | 23.6% | 22.1% | 24.7% | 19.6% |
| Net interest margin (NIM) | 2.61% | 2.74% | 2.31% | 2.47% | 2.85% | 2.81% | 3.12% | 2.97% |
| Reported | Forecast | Monthly ×12 | |
|---|---|---|---|
| Reporting period | Q1 2026 | ||
| RAS profit, quarter months | Jan 2026 11.4 bln Feb 2026 10.1 bln Mar 2026 9.8 bln | Jan 2026 11.4 bln Feb 2026 10.1 bln Mar 2026 9.8 bln | |
| RAS profit, following months | Apr 2026 843 mln May 2026 12.2 bln | ||
| Forecast profit change (×0.73) | -27% | ||
| Annualised profit, mln RUB | 114.1 bln | 83.5 bln | 146.6 bln |
| Book (equity) | 500.5 bln | 500.5 bln | 500.5 bln |
| ROE (annualised) | 23% | 17% | 29% |
| Price / Book | 0.84x | 0.84x | 0.84x |
| Potential [ROE / P/B] | +27% | +20% | +35% |
| Card headline: avg of Forecast & Monthly | +27% | ||
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.
| Period | Net interest income (YTD) | Net operating result (YTD) | Pre-tax profit (YTD) | Net profit (YTD) | Total comprehensive income |
|---|---|---|---|---|---|
| May 2026 📄 PR | 57.1 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 📄 PR | 59.1 bln 15.2 bln mo | — | 46.6 bln 11.1 bln mo | 38.7 bln 10.1 bln mo | — |
| Mar 2026 📄 PR | 43.9 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 📄 PR | 28.5 bln 14.0 bln mo | — | 22.5 bln 11.9 bln mo | 18.4 bln 9.5 bln mo | — |
| Jan 2026 📄 PR | 14.5 bln 14.5 bln mo | — | 10.6 bln 10.6 bln mo | 8.9 bln 8.9 bln mo | — |
| Dec 2025 📄 PR | 133.3 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 📄 PR | 119.0 bln 11.9 bln mo | — | 95.1 bln 10.3 bln mo | 78.5 bln 8.3 bln mo | — |
| Oct 2025 📄 PR | 107.1 bln -8.8 bln mo | — | 84.9 bln | 70.2 bln 7.9 bln mo | — |
| Sep 2025 📄 PR | 115.9 bln +26.0% y/y | — | — | 62.3 bln +7.3% y/y | — |
| Aug 2025 | 67.8 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 2025 | 56.7 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 |
| Jun 2025 📄 PR | 74.3 bln +26.8% y/y | — | — | 39.1 bln +14.8% y/y | — |
Period-end balances + capital adequacy + profitability. Extracted from the issuer's monthly press release (LLM parsing).
| Period | Corporate loans | Retail loans | Corporate deposits | Retail deposits | Total assets | Total capital | ROE (YTD), % | Cost/Income, % |
|---|---|---|---|---|---|---|---|---|
| Apr 2026 | 2.8 trn | 760.5 trn | 1.3 trn | 1.6 trn | 6.7 trn | — | 23.8% | 22.3% |
| Mar 2026 | 2.7 trn | 758.0 bln | 1.4 trn | 1.6 trn | 6.7 trn +21.2% y/y | — | 23.8% | 21.9% |
| Feb 2026 | 2.7 trn | 783.0 bln | 1.4 trn | 1.6 trn | 6.6 trn | — | 23.7% | 24.3% |
| Jan 2026 | 2.7 trn | 783.2 bln | 1.5 trn | 1.5 trn | 6.5 trn | — | 22.1% | 24.7% |
| Dec 2025 | 2.7 trn | 772.6 bln | 1.4 trn | 1.5 trn | 6.4 trn +15.4% y/y | — | 21.6% | 28.3% |
| Nov 2025 | 2.7 trn | 769.9 bln | 1.4 trn | 1.5 trn | 6.2 trn | — | 21.0% | 25.5% |
| Oct 2025 | 2.6 trn | 753.0 bln | 1.6 trn | 1.4 trn | 6.0 trn | — | 21.0% | 26.4% |
| Sep 2025 | — | — | — | — | 5.8 trn +13.0% y/y | 416.0 bln | 21.0% | 25.4% |
| Jun 2025 | — | — | — | — | 5.6 trn +21.4% y/y | 395.0 bln | 20.3% | 25.6% |
Dividend-model upside: +129%
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 ratio | 50% |
| Free cash flow (FY, OCF − capex) | -614 bn RUB |
| Recent actual dividend (3-yr median) | 246.88 ₽ |
| = Forecast dividend per share | 493.76 ₽ |
| 2 · Fair yield (spread to key rate) | |
| CBR key rate | 14.2% |
| Historical yield spread to rate (3-yr median) | -3.5 pp |
| = Fair dividend yield (bank floor ≈ rate−3.5) | 10.8% |
| 3 · Valuation → upside | |
| Current price | 2008 ₽ |
| Forecast dividend yield | 24.6% |
| Fair price (dividend-based) | 4593 ₽ |
Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.
Paid, trailing 12-mo: 493.76 RUB/sh · 24.6%
| Pay year | Dividend /sh | |
|---|---|---|
| 2026 | 493.76 ₽ |
| Period | Ex-date | /sh |
|---|---|---|
| 2026 q3 | 2026-07-17 | 246.88 ₽ |
| 2026 q2 | 2026-04-30 | 246.88 ₽ |
No dividend rows found for this issuer.
| 30.06.26 | Filing | ★ ▲ 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. |
| 30.06.26 | AGM / 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. |
| 22.06.26 | Filing | ★ ▲ 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. |
| 27.01.26 | Filing | ★ ▲ Проведение заседания совета директоров (наблюдательного совета) и его повестка дня ПАО «ДОМ.РФ» проведет заседание наблюдательного совета 4 февраля 2026 года, на котором будут утверждены ключевые показатели эффективности на 2026-2028 гг., а также план деятельности на 2026 год и стратегия повышения акционерной стоимости на период 2025-2030 гг. |
| 22.07.26 | Material event | События (действия), оказывающие, по мнению эмитента, существенное влияние на стоимость или котировки его ценных бумаг Аналитики прогнозируют чистую прибыль ПАО ДОМ.РФ за 1 полугодие 2026 года на уровне 57 млрд руб. с ROE 23%. Результаты деятельности будут опубликованы 30 июля 2026 года. |
| 30.06.26 | AGM / Board | Решения совета директоров (наблюдательного совета) 29 июня 2026 года наблюдательный совет ПАО ДОМ.РФ утвердил изменения № 18 в Положение о закупках. Заседание прошло 26 июня 2026 года с кворумом и большинством голосов. |
Source: e-disclosure material filings over the last 180 days; ★ — flagged important by the classifier; summaries are automatic.
Disclosed in the top-10 of 5 of 17 funds, ≈63 млн ₽ combined. Last month: added — 5, entered top-10 — 4.
| Fund | Manager | Weight | ≈Position | Δ weight m/m | Disclosure |
|---|---|---|---|---|---|
| SIPO Первая – Фонд АйПиО | Первая | 9.97% | 8 млн ₽ | +0.72 pp | 29.05.2026 |
| TITR Т-Капитал Акции роста (new) | Т-Капитал | 9.36% | 27 млн ₽ | +9.36 pp | 29.05.2026 |
| TRND Т-Капитал Трендовые акции (new) | Т-Капитал | 4.54% | 23 млн ₽ | +4.54 pp | 29.05.2026 |
| SBRI Первая - Фонд Ответственные инвестиции (new) | Первая | 3.82% | 5 млн ₽ | +3.82 pp | 29.05.2026 |
| SCFT Технологии будущего (new) | Доверительная | 3.80% | 0 млн ₽ | +3.80 pp | 29.05.2026 |
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.
Substantive mentions last 7 days: 1 (1 positive), last 30 days: 6 (6 positive) across tracked channels, broker research and shows. 15 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.
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.