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Update

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

Price chart

657.1 RUBDay 0.29%

Key metrics

Market

Price
657.1 RUB · 0.29%
Market cap
1.1 bn USD

Growth

Δ NII y/y
-33.5%
Δ net profit y/y
33.4%

Multiples

P/E (LTM)
14.1x
3y avg: 9.3x
P/B (FY)
1.9x
3y avg: 1.6x
P/E (ann.)
10.7x

Returns

Dividend yield
ROE (annualized)
17.1%
ROI (ROE ÷ P/B)
9.2%

Value creation

annualized net income / market cap (return on equity value)
Banking potential

Liquidity

Daily turnover (MOEX)
11.8 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.

🔍 Sanity check — subtotal consistency (Level-1 + Level-2) OK: 5 / Warn: 1 / Err: 10 / Autofix applied: 0
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-03-31 Q1Errors 1
2023-06-30 Q2Errors 1
2023-09-30 Q3Errors 1
2023-12-31 FYErrors 1
2023-12-31 Q4Errors 1
2024-03-31 Q1Errors 1
2024-06-30 Q2Errors 1
2024-09-30 Q3Warn 1
2024-12-31 FYErrors 1
2024-12-31 Q4OK
2025-03-31 Q1Errors 2
2025-06-30 Q2OK
2025-09-30 Q3OK
2025-12-31 FYOK
2025-12-31 Q4OK
2026-03-31 Q1Errors 1Warn 1
All checks pass · Has warnings (review) · Has errors (needs fix) · ✓* Autofix applied (see evidence)

Financial dynamics

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.

DatePeriodStatusNet interest incomeM USDNet profitM USDAssetsM USDEquityM USDROE (annualized)Source
2026-03-31Q1 2026 (3M)OK59.1
y/y -33.5%
25.9
y/y 33.4%
2651.0
y/y -33.8%
620.7
y/y -12.8%
17.1%Report (PDF)
2025-12-31Q4 2025 (3M)OK67.7
y/y -30.7%
30.7
y/y -39.4%
2879.7
y/y -32.0%
594.9
y/y -16.2%
11.5%Report (PDF)
2025-09-30Q3 2025 (3M)OK71.1
y/y -23.8%
14.8
y/y -58.1%
3210.5
y/y -25.1%
657.7
y/y -13.1%
3.0%Report (PDF)
2025-06-30Q2 2025 (3M)OK78.5
y/y -10.7%
7.0
y/y -88.5%
3593.4
y/y -13.3%
647.4
y/y -9.9%
4.1%Report (PDF)
2025-03-31Q1 2025 (3M)OK88.8
y/y 10.9%
19.4
y/y -68.5%
4006.4
y/y
712.0
y/y
10.9%Report (PDF)
2024-12-31Q4 2024 (3M)OK97.7
y/y 38.0%
50.7
y/y -9.1%
4236.5
y/y 14.1%
709.9
y/y 13.3%
28.5%Report (PDF)
2024-09-30Q3 2024 (3M)OK93.3
y/y 46.8%
35.4
y/y -30.3%
4288.2
y/y
756.7
y/y
6.4%Report (PDF)
2024-06-30Q2 2024 (3M)OK87.8
y/y 52.9%
61.4
y/y 18.3%
4145.3
y/y 35.1%
718.9
y/y 31.2%
Report (PDF)
2024-03-31Q1 2024 (3M)OK80.1
y/y 42.2%
61.7
y/y 25.6%
y/y
y/y
Report (PDF)
2023-12-31Q4 2023 (3M)OK70.8
y/y
55.8
y/y
3712.4
y/y
626.7
y/y
Report (PDF)
2023-09-30Q3 2023 (3M)OK63.5
y/y
50.7
y/y
y/y
y/y
Report (PDF)
2023-06-30Q2 2023 (3M)OK57.5
y/y
51.9
y/y
3069.4
y/y
547.9
y/y
Report (PDF)
2023-03-31Q1 2023 (3M)OK56.3
y/y
49.1
y/y
y/y
y/y
Report (PDF)
Data quality No obvious scale, balance-sheet, or cash-flow sanity issues in the displayed periods.

Dividend potential

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 ratio55%
Free cash flow (FY, OCF − capex)94 bn RUB
Recent actual dividend (3-yr median)29.00 ₽
= Forecast dividend per share29.00 ₽
2 · Fair yield (spread to key rate)
CBR key rate14.5%
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 price657.10 ₽
Forecast dividend yield4.4%
Fair price (dividend-based)278 ₽

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

Dividends

No dividend rows found for this issuer.

Reporting forms detected in loaded periods: (Balance sheet / Profit or loss (P&L) / Cash flows)