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Renessans 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_RENI

Price chart

85.22 RUBDay -0.07%

Key metrics

Market

Price
85.22 RUB · -0.07%
Market cap
666 mln USD

Growth

Δ revenue y/y
117.8%
Δ EBITDA y/y

Multiples

P/E (LTM)
4.3x
3y avg: 5.3x
P/B (FY)
0.8x
3y avg: 1.2x
P/E (ann.)
4.7x

Returns

Dividend yield
12.2%
ROE (annualized)
18.9%
ROI (ROE ÷ P/B)
22.4%

Value creation

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

Liquidity

Daily turnover (MOEX)
4.1 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: 8 / Warn: 2 / Err: 0 / Autofix applied: 0
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-06-30 Q2Warn 4
2023-09-30 9MOK
2023-12-31 FYOK
2024-03-31 Q1OK
2024-06-30 H1OK
2024-09-30 9MOK
2024-12-31 FYWarn 1
2025-03-31 Q1OK
2025-12-31 FYOK
2025-12-31 Q4OK
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
2025-12-31FY 2025 (12M)OK
y/y
154.3
y/y -1.2%
4532.8
y/y 11.5%
789.6
y/y 11.4%
18.9%Report (PDF)
2025-03-31Q1 2025 (3M)OK
y/y
35.1
y/y 0.0%
3926.9
y/y
841.5
y/y
18.1%Link
2024-12-31FY 2024 (12M)OK127.1
y/y 117.8%
93.0
y/y 811.1%
4065.7
y/y 29.5%
709.0
y/y 16.6%
Report (PDF)
2024-09-30Q3 2024 (3M)OK
y/y
8.6
y/y -53.1%
y/y
y/y
Report (PDF)
2024-06-30Q2 2024 (3M)OK
y/y
19.4
y/y
3338.6
y/y
635.6
y/y
Report (PDF)
2024-03-31Q1 2024 (3M)OK
y/y
35.1
y/y
y/y
y/y
Report (PDF)
2023-12-31FY 2023 (12M)OK58.4
y/y
10.2
y/y
3140.7
y/y
608.3
y/y
Report (PDF)
2023-09-30Q3 2023 (3M)OK
y/y
85.4
y/y
y/y
y/y
Report (PDF)
2023-06-30Q2 2023 (3M)OK10.2
y/y
49.3
y/y
3140.7
y/y
608.3
y/y
Link
Data quality — review suggested

Dividend potential

Dividend replaced by a buyback

The board cancelled the cash dividend in favour of a share buyback; the dividend-model upside is not shown.

1 · Forecast dividend (per policy)
Smoothed net profit (median YTD-ann./LTM/FY)11 bn RUB
Payout ratio48%
Recent actual dividend (3-yr median)10.50 ₽
= Forecast dividend per share10.50 ₽
2 · Fair yield (spread to key rate)
CBR key rate14.5%
Historical yield spread to rate (3-yr median)-8.2 pp
= Fair dividend yield (bank floor ≈ rate−3.5)11.0%
3 · Valuation → upside
Current price85.22 ₽
Forecast dividend yield12.3%
Fair price (dividend-based)101 ₽

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=37468

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