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Sector: Financial Services

RU_MOEX

Price chart

178.69 RUBDay 2.38%

Key metrics

Market

Price
178.69 RUB · 2.38%
Market cap
5.7 bn USD

Growth

Δ revenue y/y
16.3%
Δ EBITDA y/y
30.8%

Multiples

P/E (LTM)
6.4x
3y avg: 6.5x
P/B (FY)
1.5x
3y avg: 1.7x
P/E (ann.)
5.9x

Returns

Dividend yield
14.9%
ROE (annualized)
24.7%
ROI (ROE ÷ P/B)
16.3%

Value creation

annualized net income / market cap (return on equity value)
Banking potential
+17.2%
↓ details

Liquidity

Daily turnover (MOEX)
37.1 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: 1 / Warn: 3 / Err: 10 / Autofix applied: 0
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-03-31 Q1✗Errors 1
2023-06-30 Q2✗Errors 1
2023-09-30 9M✗Errors 1
2023-12-31 FY✗Errors 1
2023-12-31 H2⚠Warn 1
2024-03-31 Q1⚠Warn 4
2024-06-30 H1⚠Warn 2
2024-09-30 9M✓OK
2024-12-31 FY✗Errors 3Warn 1
2025-03-31 Q1✗Errors 4Warn 1
2025-06-30 H1✗Errors 3Warn 2
2025-09-30 9M✗Errors 5Warn 1
2025-12-31 FY✗Errors 2Warn 1
2026-03-31 Q1✗Errors 2Warn 2
✓ 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.

DatePeriodStatusRevenueM USDNet profitM USDAssetsM USDEquityM USDROE (annualized)Source
2026-03-31Q1 2026 (3M)OK466.3
y/y 16.3%
240.7
y/y 32.2%
184759.6
y/y 15.9%
4020.1
y/y 2.9%
24.7%Link
2025-12-31Q4 2025 (3M)OK489.1
y/y 1.8%
199.0
y/y -18.3%
182712.3
y/y 7.7%
3773.5
y/y 2.9%
22.7%Report (PDF)
2025-09-30Q3 2025 (3M)OK470.4
y/y -15.0%
242.0
y/y -27.0%
174290.6
y/y 35.0%
3559.5
y/y 4.4%
24.6%Report (PDF)
2025-06-30Q2 2025 (3M)OK449.3
y/y -14.4%
209.9
y/y -28.1%
150548.1
y/y 12.0%
3305.5
y/y 6.4%
21.7%Report (PDF)
2025-03-31Q1 2025 (3M)OK401.0
y/y -16.0%
182.0
y/y -32.9%
159391.7
y/y 14.7%
3907.6
y/y 15.2%
19.2%Report (PDF)
2024-12-31Q4 2024 (3M)OK480.6
y/y -2.0%
243.6
y/y -13.4%
169596.5
y/y 27.8%
3668.0
y/y 17.3%
31.4%Report (PDF)
2024-09-30Q3 2024 (3M)OK561.0
y/y 59.0%
323.0
y/y 51.9%
129075.3
y/y 2.0%
3410.4
y/y 21.7%
35.5%Report (PDF)
2024-06-30Q2 2024 (3M)OK516.2
y/y —
273.4
y/y —
134424.8
y/y —
3106.4
y/y —
33.5%Report (PDF)
2024-03-31Q1 2024 (3M)OK477.1
y/y 46.5%
271.4
y/y 35.0%
139020.5
y/y 41.4%
3392.3
y/y 26.8%
33.3%Report (PDF)
2023-12-31Q4 2023 (3M)OK490.2
y/y —
281.1
y/y —
132735.2
y/y —
3128.3
y/y —
28.7%Report (PDF)
2023-09-30Q3 2023 (3M)OK694.0
y/y —
401.3
y/y —
126497.7
y/y —
2803.3
y/y —
27.7%Report (PDF)
2023-06-30Q2 2023 (3M)OK283.6
y/y —
169.8
y/y —
105585.7
y/y —
2686.0
y/y —
25.3%Report (PDF)
2023-03-31Q1 2023 (3M)OK325.5
y/y —
201.0
y/y —
98324.4
y/y —
2675.7
y/y —
—Report (PDF)
Data quality No obvious scale, balance-sheet, or cash-flow sanity issues in the displayed periods.

Trading volumes by market

Moscow Exchange Group turnover by market, monthly — supplementary

PeriodTotal
трлн ₽		Equities, repo & deposits
трлн ₽		Derivatives
трлн ₽
May 2026156.44
+26.7%		140.57
+42.1%		12.66
+50.4%
Apr 2026191.95
+22.9%		169.97
+35.7%		14.29
+20.5%
Mar 2026216.43
+41.0%		175.48
+41.0%		21.14
+70.5%
Feb 2026171.23
+31.4%		145.12
+37.6%		11.91
+0.4%
Jan 2026136.29
+35.2%		109.19
+33.4%		13.82
+69.4%
Dec 2025199.61156.0515.73
Nov 2025158.72129.8510.77
Oct 2025182.99144.3916.80
Sep 2025173.53139.4413.34
Aug 2025152.55126.258.93
Jul 2025158.03130.279.22
Jun 2025133.42107.889.54
May 2025123.4898.918.42
Apr 2025156.17125.2111.86
Mar 2025153.48124.4212.40
Feb 2025130.34105.5011.86
Jan 2025100.8081.848.16

ISS Московской биржи (iss/turnovers, агрегация по торговым дням). Текущий незавершённый месяц исключён.

Dividend potential

Dividend-model upside: +44%

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)64 bn RUB
Payout ratio75%
Free cash flow (FY, OCF − capex)98 bn RUB
Recent actual dividend (3-yr median)26.11 ₽
= Forecast dividend per share26.11 ₽
2 · Fair yield (spread to key rate)
CBR key rate14.5%
Historical yield spread to rate (3-yr median)-10.1 pp
= Fair dividend yield (bank floor ≈ rate−3.5)11.0%
3 · Valuation → upside
Current price174 ₽
Forecast dividend yield15.0%
Fair price (dividend-based)250 ₽

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

Dividends

No dividend rows found for this issuer.

Investor reporting (IR): https://www.e-disclosure.ru/portal/files.aspx?id=43

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