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MTS Bank USD

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_MBNK

Price chart

1 192 RUBDay 0.34%

Key metrics

Market

Price
1 192 RUB · 0.34%
Market cap
627 mln USD

Growth

Δ NII y/y
64.9%
Δ net profit y/y
157.9%

Multiples

P/E (LTM)
2.8x
3y avg: 3.7x
P/B (FY)
0.4x
3y avg: 0.5x
P/E (ann.)
4.5x

Returns

Dividend yield
7.5%
ROE (annualized)
9.3%
ROI (ROE ÷ P/B)
22.3%

Value creation

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

Liquidity

Daily turnover (MOEX)
3.1 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: 17 / Warn: 0 / Err: 1 / Autofix applied: 0
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-03-31 Q1OK
2023-06-30 Q2OK
2023-09-30 9MOK
2023-09-30 Q3Errors 1
2023-12-31 FYOK
2023-12-31 Q4OK
2024-03-31 Q1OK
2024-06-30 Q2OK
2024-09-30 9MOK
2024-09-30 Q3OK
2024-12-31 FYOK
2024-12-31 Q4OK
2025-03-31 Q1OK
2025-06-30 Q2OK
2025-09-30 Q3OK
2025-12-31 FYOK
2025-12-31 Q4OK
2026-03-31 Q1OK
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)OK200.5
y/y 64.9%
35.2
y/y 157.9%
10760.0
y/y 22.2%
1518.3
y/y 15.5%
9.3%Report (PDF)
2025-12-31Q4 2025 (3M)OK205.1
y/y 54.5%
69.7
y/y 882.4%
10581.7
y/y 25.2%
1498.0
y/y 14.9%
13.8%Report (PDF)
2025-09-30Q3 2025 (3M)OK168.7
y/y 6.8%
84.1
y/y 46.6%
11067.6
y/y 42.2%
1440.9
y/y 11.0%
8.2%Report (PDF)
2025-06-30Q2 2025 (3M)OK149.8
y/y -4.4%
35.0
y/y -36.2%
10553.5
y/y 55.6%
1311.8
y/y 4.6%
10.7%Report (PDF)
2025-03-31Q1 2025 (3M)OK121.6
y/y -10.2%
13.6
y/y -74.9%
8805.9
y/y 29.0%
1314.6
y/y 24.8%
4.2%Report (PDF)
2024-12-31Q4 2024 (3M)OK132.7
y/y -61.6%
7.1
y/y -94.0%
8449.4
y/y 25.5%
1303.4
y/y 30.4%
13.3%Report (PDF)
2024-09-30Q3 2024 (3M)OK158.0
y/y
57.4
y/y
7783.2
y/y
1298.7
y/y
6.0%Report (PDF)
2024-06-30Q2 2024 (3M)OK156.7
y/y 20.4%
54.8
y/y 30.0%
6781.4
y/y 0.0%
1254.0
y/y -11.0%
19.0%Report (PDF)
2024-03-31Q1 2024 (3M)OK135.4
y/y 16.5%
54.2
y/y 34.8%
6825.3
y/y
1053.0
y/y
21.1%Report (PDF)
2023-12-31Q4 2023 (3M)OK345.2
y/y
117.4
y/y
6733.5
y/y
999.9
y/y
Report (PDF)
2023-09-30Q3 2023 (3M)OK-88.3
y/y
-25.0
y/y
y/y
y/y
Report (PDF)
2023-06-30Q2 2023 (3M)OK130.1
y/y
42.2
y/y
6781.4
y/y
1408.3
y/y
Report (PDF)
2023-03-31Q1 2023 (3M)OK116.2
y/y
40.2
y/y
y/y
y/y
Data quality No obvious scale, balance-sheet, or cash-flow sanity issues in the displayed periods.

Dividend potential

Dividend-model upside: -26%

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 ratio25%
Recent actual dividend (3-yr median)89.31 ₽
= Forecast dividend per share96.49 ₽
2 · Fair yield (spread to key rate)
CBR key rate14.5%
Historical yield spread to rate (3-yr median)-9.2 pp
= Fair dividend yield (bank floor ≈ rate−3.5)11.0%
3 · Valuation → upside
Current price1191.50 ₽
Forecast dividend yield8.1%
Fair price (dividend-based)877 ₽

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)