Sector: Financial Services
RU_MBNK
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 | 14.3 y/y 64.9% | 2.5 y/y 157.9% | 767.2 y/y 22.2% | 108.3 y/y 15.5% | 9.3% | Report (PDF) |
| 2025-12-31 | Q4 2025 (3M) | OK | 14.6 y/y 54.5% | 5.0 y/y 882.4% | 754.5 y/y 25.2% | 106.8 y/y 14.9% | 13.8% | Report (PDF) |
| 2025-09-30 | Q3 2025 (3M) | OK | 12.0 y/y 6.8% | 6.0 y/y 46.6% | 789.1 y/y 42.2% | 102.7 y/y 11.0% | 8.2% | Report (PDF) |
| 2025-06-30 | Q2 2025 (3M) | OK | 10.7 y/y -4.4% | 2.5 y/y -36.2% | 752.5 y/y 55.6% | 93.5 y/y 4.6% | 10.7% | Report (PDF) |
| 2025-03-31 | Q1 2025 (3M) | OK | 8.7 y/y -10.2% | 1.0 y/y -74.9% | 627.9 y/y 29.0% | 93.7 y/y 24.8% | 4.2% | Report (PDF) |
| 2024-12-31 | Q4 2024 (3M) | OK | 9.5 y/y -61.6% | 0.5 y/y -94.0% | 602.5 y/y 25.5% | 92.9 y/y 30.4% | 13.3% | Report (PDF) |
| 2024-09-30 | Q3 2024 (3M) | OK | 11.3 y/y — | 4.1 y/y — | 555.0 y/y — | 92.6 y/y — | 6.0% | Report (PDF) |
| 2024-06-30 | Q2 2024 (3M) | OK | 11.2 y/y 20.4% | 3.9 y/y 30.0% | 483.5 y/y 0.0% | 89.4 y/y -11.0% | 19.0% | Report (PDF) |
| 2024-03-31 | Q1 2024 (3M) | OK | 9.7 y/y 16.5% | 3.9 y/y 34.8% | 486.7 y/y — | 75.1 y/y — | 21.1% | Report (PDF) |
| 2023-12-31 | Q4 2023 (3M) | OK | 24.6 y/y — | 8.4 y/y — | 480.1 y/y — | 71.3 y/y — | — | Report (PDF) |
| 2023-09-30 | Q3 2023 (3M) | OK | -6.3 y/y — | -1.8 y/y — | — y/y — | — y/y — | — | Report (PDF) |
| 2023-06-30 | Q2 2023 (3M) | OK | 9.3 y/y — | 3.0 y/y — | 483.5 y/y — | 100.4 y/y — | — | Report (PDF) |
| 2023-03-31 | Q1 2023 (3M) | OK | 8.3 y/y — | 2.9 y/y — | — y/y — | — y/y — | — | — |
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 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|
| Interest income | 57.5 | 91.2 | 136 | +49% |
| Interest expense | -21.7 | -49.7 | -90.1 | -81% |
| Net interest income | 35.9 | 41.6 | 46.0 | +11% |
| Credit-loss provisions | -30.0 | -32.4 | -24.3 | +25% |
| NII after provisions | 10.0 | 10.7 | 21.2 | +99% |
| Fee & commission income | 30.8 | 32.1 | 23.8 | -26% |
| Fee & commission expense | -9.3 | -8.8 | -8.6 | +3% |
| Net fee & commission income | 21.4 | 23.2 | 15.2 | -35% |
| Financial instruments & investment result | 4.3 | 3.7 | 0.3 | -92% |
| Operating income | 66.7 | 73.6 | 69.8 | -5% |
| Administrative & other expenses (SG&A) | -20.1 | -24.6 | -23.9 | +3% |
| Profit before tax | 14.4 | 12.9 | 18.7 | +45% |
| Income tax | -1.9 | -0.6 | -4.3 | -643% |
| Net profit | 12.5 | 12.4 | 14.4 | +17% |
| of which recurring | 8.7 | 8.8 | 14.2 | +61% |
| of which non-recurring | 3.8 | 3.5 | 0.2 | -94% |
| Key ratios (annual) | ||||
| ROE | 19.1% | 15.1% | 14.5% | -0.6 pp |
| Cost of risk (CoR) | 10.17% | 8.83% | 6.72% | -2.1 pp |
| Cost-to-income (CIR) | 30.2% | 33.4% | 34.3% | +0.9 pp |
| Net interest margin (NIM) | 8.57% | 7.68% | 6.78% | -0.9 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 | 11.2 | 11.3 | 9.5 | 8.7 | 10.7 | 12.0 | 14.6 | 14.3 |
| Provisions | -7.0 | -7.8 | -8.4 | -5.0 | -6.0 | -6.5 | -6.8 | -8.1 |
| Net fee income | 6.3 | 5.3 | 4.8 | 4.0 | 3.8 | 4.0 | 3.4 | 3.2 |
| Financial instruments & investment | -0.7 | 1.2 | 1.6 | -2.1 | -0.3 | 2.3 | 0.4 | 0.6 |
| Operating income | 19.8 | 19.0 | 16.5 | 14.6 | 16.6 | 18.1 | 20.5 | 19.7 |
| Admin (SG&A) | -6.5 | -6.3 | -6.4 | -4.6 | -5.6 | -6.1 | -7.5 | -6.8 |
| Net profit | 3.9 | 4.1 | 0.5 | 1.0 | 2.5 | 6.0 | 5.0 | 2.5 |
| Balance (period-end), bn RUB | ||||||||
| Credit portfolio | 370 | 398 | 386 | 371 | 361 | 344 | 339 | 328 |
| Securities portfolio (bonds) | 48.4 | 67.1 | 78.8 | 125 | 283 | 296 | 301 | 271 |
| Customer deposits | 333 | 378 | 360 | 371 | 450 | 463 | 489 | 453 |
| Other assets | 65.4 | 89.6 | 138 | 132 | 109 | 149 | 114 | 168 |
| Total assets | 484 | 555 | 602 | 628 | 752 | 789 | 754 | 767 |
| Equity | 89.4 | 92.6 | 92.9 | 93.7 | 93.5 | 103 | 107 | 108 |
| Key ratios (annualised) | ||||||||
| ROE (annualised) | 19.0% | 18.0% | 2.2% | 4.2% | 10.7% | 24.5% | 19.0% | 9.3% |
| Cost of risk (CoR) | 7.63% | 8.12% | 8.60% | 5.28% | 6.54% | 7.44% | 8.00% | 9.68% |
| Cost-to-income (CIR) | 33.1% | 33.0% | 39.2% | 31.9% | 33.9% | 33.9% | 36.6% | 34.5% |
| Net interest margin (NIM) | 9.21% | 8.68% | 6.54% | 5.64% | 6.19% | 6.24% | 7.58% | 7.51% |
Dividend-model upside: +7%
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) | 14 bn RUB |
| Payout ratio | 24% |
| Recent actual dividend (3-yr median) | 96.12 ₽ |
| = Forecast dividend per share | 96.12 ₽ |
| 2 · Fair yield (spread to key rate) | |
| CBR key rate | 14.2% |
| Historical yield spread to rate (3-yr median) | -9.2 pp |
| = Fair dividend yield (bank floor ≈ rate−3.5) | 10.8% |
| 3 · Valuation → upside | |
| Current price | 838 ₽ |
| Forecast dividend yield | 11.5% |
| Fair price (dividend-based) | 894 ₽ |
Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.
Paid, trailing 12-mo: 96.12 RUB/sh · 11.5%
| Pay year | Dividend /sh | |
|---|---|---|
| 2026 | 96.12 ₽ | |
| 2025 | 89.31 ₽ |
| Period | Ex-date | /sh |
|---|---|---|
| 2026 q3 | 2026-07-09 | 96.12 ₽ |
| 2025 q3 | 2025-07-10 | 89.31 ₽ |
No dividend rows found for this issuer.
| 01.07.26 | Filing | ★ ▲ Дата определения (фиксации) лиц, имеющих право на осуществление прав по ценным бумагам эмитента ПАО 'МТС-Банк' объявило о дате определения владельцев акций для получения дивидендов. Список владельцев будет составлен на 10.07.2026, а решение принято на годовом собрании акционеров 01.07.2026. |
| 12.03.26 | Filing | ★ Совершение эмитентом сделки, в совершении которой имеется заинтересованность ПАО 'МТС-Банк' совершит сделку по приобретению дополнительных инвестиционных паев ЗПИФ на сумму 20 млрд. руб. Срок исполнения обязательств по сделке - не позднее 13.03.2026. Сделка одобрена Советом директоров 06.03.2026. |
| 06.07.26 | AGM / Board | Решения совета директоров (наблюдательного совета) Совет директоров ПАО 'МТС-Банк' принял решение о согласии на сделку с заинтересованностью, за которую проголосовали 6 из 8 членов. Кворум для принятия решения был достигнут. Дата заседания - 3 июля 2026 года. |
| 01.07.26 | AGM / Board | Решения общих собраний участников (акционеров) 26 июня 2026 года пройдет годовое общее собрание акционеров ПАО «МТС-Банк», на котором будет утвержден годовой отчет и годовая бухгалтерская отчетность за 2025 год, а также объявлены дивиденды в размере 3 520,24 руб. на одну привилегированную акцию и 96,12 руб. на одну обыкновенную акцию. Дивиденды будут выплачены в денежной форме в течение 10 и 25 рабочих дней в зависимости от категории акционеров. |
Source: e-disclosure material filings over the last 180 days; ★ — flagged important by the classifier; summaries are automatic.
Disclosed in the top-10 of 1 of 17 funds, ≈7 млн ₽ combined. Last month: trimmed — 1.
| Fund | Manager | Weight | ≈Position | Δ weight m/m | Disclosure |
|---|---|---|---|---|---|
| SIPO Первая – Фонд АйПиО | Первая | 8.43% | 7 млн ₽ | -0.54 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: 0, last 30 days: 0 across tracked channels, broker research and shows. 5 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, EV/EBITDA), profitability and dividend yield of MTS Bank (MBNK) — from primary filings.