Re-runs extraction for each period with period-end year from max(2023, current year − 2) through the current year, oldest first (up to three reporting years). This can take a long time.
Sector: Financial Services
RU_LEAS
Shares: connector/market_inputs
| Period | Issues |
|---|---|
| 2023-03-31 Q1 | ✗Errors 1 |
| 2023-06-30 Q2 | ✗Errors 1 |
| 2023-09-30 Q3 | ✗Errors 1 |
| 2023-12-31 FY | ✗Errors 1 |
| 2023-12-31 Q4 | ✗Errors 1 |
| 2024-03-31 Q1 | ✗Errors 1 |
| 2024-06-30 Q2 | ✗Errors 1 |
| 2024-09-30 Q3 | ⚠Warn 1 |
| 2024-12-31 FY | ✗Errors 1 |
| 2024-12-31 Q4 | ✓OK |
| 2025-03-31 Q1 | ✗Errors 2 |
| 2025-06-30 Q2 | ✓OK |
| 2025-09-30 Q3 | ✓OK |
| 2025-12-31 FY | ✓OK |
| 2025-12-31 Q4 | ✓OK |
| 2026-03-31 Q1 | ✗Errors 1Warn 1 |
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 | 4.2 y/y -33.5% | 1.8 y/y 33.4% | 189.0 y/y -33.8% | 44.3 y/y -12.8% | 17.1% | Report (PDF) |
| 2025-12-31 | Q4 2025 (3M) | OK | 4.8 y/y -30.7% | 2.2 y/y -39.4% | 205.3 y/y -32.0% | 42.4 y/y -16.2% | 11.5% | Report (PDF) |
| 2025-09-30 | Q3 2025 (3M) | OK | 5.1 y/y -23.8% | 1.1 y/y -58.1% | 228.9 y/y -25.1% | 46.9 y/y -13.1% | 3.0% | Report (PDF) |
| 2025-06-30 | Q2 2025 (3M) | OK | 5.6 y/y -10.7% | 0.5 y/y -88.5% | 256.2 y/y -13.3% | 46.2 y/y -9.9% | 4.1% | Report (PDF) |
| 2025-03-31 | Q1 2025 (3M) | OK | 6.3 y/y 10.9% | 1.4 y/y -68.5% | 285.7 y/y — | 50.8 y/y — | 10.9% | Report (PDF) |
| 2024-12-31 | Q4 2024 (3M) | OK | 7.0 y/y 38.0% | 3.6 y/y -9.1% | 302.1 y/y 14.1% | 50.6 y/y 13.3% | 28.5% | Report (PDF) |
| 2024-09-30 | Q3 2024 (3M) | OK | 6.7 y/y 46.8% | 2.5 y/y -30.3% | 305.8 y/y — | 54.0 y/y — | 6.4% | Report (PDF) |
| 2024-06-30 | Q2 2024 (3M) | OK | 6.3 y/y 52.9% | 4.4 y/y 18.3% | 295.6 y/y 35.1% | 51.3 y/y 31.2% | — | Report (PDF) |
| 2024-03-31 | Q1 2024 (3M) | OK | 5.7 y/y 42.2% | 4.4 y/y 25.6% | — y/y — | — y/y — | — | Report (PDF) |
| 2023-12-31 | Q4 2023 (3M) | OK | 5.0 y/y — | 4.0 y/y — | 264.7 y/y — | 44.7 y/y — | — | Report (PDF) |
| 2023-09-30 | Q3 2023 (3M) | OK | 4.5 y/y — | 3.6 y/y — | — y/y — | — y/y — | — | Report (PDF) |
| 2023-06-30 | Q2 2023 (3M) | OK | 4.1 y/y — | 3.7 y/y — | 218.9 y/y — | 39.1 y/y — | — | Report (PDF) |
| 2023-03-31 | Q1 2023 (3M) | OK | 4.0 y/y — | 3.5 y/y — | — y/y — | — y/y — | — | Report (PDF) |
Interest, fee and trading result decomposed with provisions, costs, and the recurring vs non-recurring profit split (bn RUB). Source: eninvs.com IFRS decomposition.
| Item, bn RUB | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|
| Interest income | 35.5 | 55.4 | 55.2 | -0% |
| Interest expense | -17.8 | -29.8 | -33.3 | -12% |
| Net interest income | 17.7 | 25.6 | 21.8 | -15% |
| Credit-loss provisions | -2.3 | -9.1 | -21.9 | -141% |
| NII after provisions | 15.4 | 16.5 | -0.1 | -100% |
| Fee & commission income | 13.9 | 17.4 | 20.0 | +15% |
| Fee & commission expense | -1.1 | -1.5 | -1.9 | -24% |
| Net fee & commission income | 12.8 | 15.9 | 18.1 | +14% |
| Operating income | 31.6 | 43.0 | 41.9 | -3% |
| Administrative & other expenses (SG&A) | -9.3 | -10.9 | -11.0 | -0% |
| Profit before tax | 18.8 | 21.5 | 7.1 | -67% |
| Income tax | -4.0 | -4.3 | -1.9 | +55% |
| Net profit | 14.8 | 14.9 | 5.1 | -66% |
Dividend-model upside: -58%
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) | 6 bn RUB |
| Payout ratio | 55% |
| Free cash flow (FY, OCF − capex) | 94 bn RUB |
| Recent actual dividend (3-yr median) | 29.00 ₽ |
| = Forecast dividend per share | 29.00 ₽ |
| 2 · Fair yield (spread to key rate) | |
| CBR key rate | 14.5% |
| Historical yield spread to rate (3-yr median) | -11.0 pp |
| = Fair dividend yield (bank floor ≈ rate−3.5) | 11.0% |
| 3 · Valuation → upside | |
| Current price | 657.10 ₽ |
| Forecast dividend yield | 4.4% |
| Fair price (dividend-based) | 278 ₽ |
Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.
No dividend rows found for this issuer.
Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)