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Sberbank RUB

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_SBER

Price chart

320 RUBDay -0.67%

Key metrics

Market

Price
320 RUB · -0.67%
Market cap
6907.8 bn RUB

Growth

Δ NII y/y
18.2%
Δ net profit y/y
16.5%

Multiples

P/E (LTM)
3.9x
3y avg: 3.8x
P/B (FY)
0.8x
3y avg: 0.9x
P/E (ann.)
3.4x

Returns

Dividend yield
10.8%
ROE (annualized)
24.0%
ROI (ROE ÷ P/B)
28.5%

Liquidity

Daily turnover (MOEX)
4 bln 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: 10 / Warn: 3 / Err: 3 / Autofix applied: 1
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-03-31 Q1✓OK
2023-06-30 Q2✓OK
2023-09-30 Q3✓OK
2023-12-31 FY✗Errors 1
2023-12-31 Q4✓OK
2024-03-31 Q1⚠Warn 2
2024-06-30 Q2✓OK
2024-09-30 Q3✓OK
2024-12-31 FY✓OK
2024-12-31 Q4✓OK
2025-03-31 Q1✗Errors 1
2025-06-30 Q2✓OK
2025-09-30 Q3⚠Warn 1
2025-12-31 FY⚠Warn 1
2025-12-31 Q4✓OK
2026-03-31 Q1✗Errors 4Warn 1Autofix 1
✓ All checks pass · ⚠ Has warnings (review) · ✗ Has errors (needs fix) · ✓* Autofix applied (see evidence)

Financial dynamics

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.

DatePeriodStatusNet interest incomeB RUBNet profitB RUBAssetsB RUBEquityB RUBROE (annualized)Source
2026-03-31Q1 2026 (3M)OK984.3
y/y 18.2%
507.9
y/y 16.5%
69034.7
y/y 14.9%
8721.4
y/y 16.6%
24.0%Report (PDF)
2025-12-31FY 2025 (12M)OK988.2
y/y 19.9%
398.6
y/y 12.9%
68814.5
y/y 24.2%
8201.6
y/y 27.8%
21.4%Report (PDF)
2025-09-30Q3 2025 (3M)OK893.6
y/y 17.3%
448.3
y/y 9.0%
64473.8
y/y 9.3%
7722.4
y/y 17.0%
8.0%Report (PDF)
2025-06-30Q2 2025 (3M)OK841.8
y/y 18.0%
422.9
y/y 1.0%
61468.6
y/y 10.9%
7267.3
y/y 16.0%
22.9%Report (PDF)
2025-03-31Q1 2025 (3M)OK832.4
y/y 18.9%
436.1
y/y 9.7%
60107.4
y/y 13.2%
7479.1
y/y 10.7%
25.1%Report (PDF)
2024-12-31FY 2024 (12M)OK824.4
y/y 12.0%
353.1
y/y -1.8%
55427.6
y/y 6.0%
6415.3
y/y -0.3%
24.3%Report (PDF)
2024-09-30Q3 2024 (3M)OK762.1
y/y 14.1%
411.1
y/y -0.1%
59002.0
y/y 19.8%
6602.0
y/y 9.1%
8.5%Report (PDF)
2024-06-30Q2 2024 (3M)OK713.2
y/y 19.3%
418.7
y/y 10.1%
55427.6
y/y 20.1%
6267.0
y/y 8.6%
25.7%Report (PDF)
2024-03-31Q1 2024 (3M)OK699.9
y/y 24.4%
397.4
y/y 11.3%
53105.0
y/y 21.2%
6754.0
y/y 13.2%
24.1%Report (PDF)
2023-12-31FY 2023 (12M)OK736.3
y/y —
359.7
y/y —
52307.2
y/y —
6434.0
y/y —
24.2%Report (PDF)
2023-09-30Q3 2023 (3M)OK667.9
y/y —
411.4
y/y —
49267.1
y/y —
6050.5
y/y —
9.3%Report (PDF)
2023-06-30Q2 2023 (3M)OK597.6
y/y —
380.3
y/y —
46143.7
y/y —
5769.6
y/y —
25.9%Report (PDF)
2023-03-31Q1 2023 (3M)OK562.8
y/y —
357.2
y/y —
43827.1
y/y —
5965.3
y/y —
—Report (PDF)
Data quality No obvious scale, balance-sheet, or cash-flow sanity issues in the displayed periods.

Monthly operating statistics (RAS, bank charter)

Net profit and operating metrics for the parent credit organisation, from CBR Form 102 — published monthly, typically 25–30 days after month-end. Not directly comparable to consolidated IFRS (bank charter ≠ group). source: CBR

PeriodNet interest income (YTD)Pre-tax profit (YTD)Net profit (YTD)
Apr 2026 YTD 📄 PR1.2 trn
+22.5% y/y
865.9 bln
+26.0% y/y
657.8 bln
+21.3% y/y
↳ Apr 2026 mo292.6 bln
+26.8% y/y
239.5 bln
+37.2% y/y
166.8 bln
+21.0% y/y
Mar 2026 YTD 📄 PR861.4 bln
+21.1% y/y
626.4 bln
+22.2% y/y
491.0 bln
+21.4% y/y
↳ Mar 2026 mo305.0 bln
+27.7% y/y
626.0 bln
+260.0% y/y
166.4 bln
+21.3% y/y
Feb 2026 YTD 📄 PR556 mln
-99.9% y/y
415 mln
-99.9% y/y
325 mln
-99.9% y/y
↳ Feb 2026 mo265 mln
-99.9% y/y
-204.6 bln163 mln
-99.9% y/y
Jan 2026 YTD 📄 PR291.5 bln205.0 bln161.7 bln
↳ Jan 2026 mo291.5 bln205.0 bln161.7 bln
Dec 2025 YTD 📄 PR3.1 trn2.1 trn1.7 trn
↳ Dec 2025 mo297.5 bln159.6 bln125.9 bln
Nov 2025 YTD 📄 PR2.8 trn2.0 trn1.6 trn
↳ Nov 2025 mo283.2 bln188.6 bln148.7 bln
Oct 2025 YTD 📄 PR2.5 trn1.8 trn1.4 trn
↳ Oct 2025 mo277.0 bln189.6 bln149.6 bln
Sep 2025 YTD 📄 PR2.2 trn1.6 trn1.3 trn
↳ Sep 2025 mo274.1 bln190.5 bln150.3 bln
Aug 2025 YTD 📄 PR2.0 trn1.4 trn1.1 trn
↳ Aug 2025 mo256.0 bln187.7 bln148.1 bln
Jul 2025 YTD 📄 PR1.7 trn1.2 trn971.5 bln
↳ Jul 2025 mo263.1 bln—144.9 bln
Jun 2025 YTD 📄 PR349 mln—827 mln
↳ Jun 2025 mo60 mln—144 mln
May 2025 YTD1.0 trn865.6 bln682.9 bln
↳ May 2025 mo169.9 bln178.2 bln140.6 bln

Balance sheet & capital (issuer press release)

Period-end balances + capital adequacy + profitability. Extracted from the issuer's monthly press release (LLM parsing).

PeriodCorporate loansRetail loansCorporate depositsRetail depositsTotal capitalN1.0 ratio, %N1.1 (CET1), %N1.2 (T1), %ROE (YTD), %Cost/Income, %
Apr 202631.1 trn
+14.2% y/y
19.4 trn
+10.4% y/y
12.3 trn
+7.5% y/y
34.3 trn
+17.6% y/y
8.3 trn14.3%12.2%12.4%23.4%25.9%
Mar 202631.0 trn
+13.7% y/y
19.2 trn
+9.8% y/y
12.6 trn
+2.0% y/y
33.7 trn
+19.5% y/y
8.2 trn14.1%12.3%12.5%23.6%24.4%
Feb 202630.4 trn
+12.1% y/y
19.1 trn
+9.7% y/y
13.3 trn
+1.2% y/y
33.4 trn
+20.5% y/y
8.0 trn13.8%11.5%11.8%24.1%24.6%
Jan 202630.1 trn19.1 trn12.4 trn32.7 trn7.8 trn13.8%11.7%12.0%23.2%23.3%
Dec 202530.4 trn18.8 trn12.3 trn33.1 trn7.7 trn13.5%11.6%11.9%22.1%29.5%
Nov 202530.2 trn18.6 trn12.9 trn31.2 trn7.6 trn13.2%11.7%12.0%22.5%28.7%
Oct 202530.0 trn18.3 trn12.7 trn30.8 trn7.4 trn12.8%9.6%9.9%22.4%28.6%
Sep 202529.4 trn18.1 trn12.7 trn30.1 trn7.3 trn12.9%9.8%10.1%22.4%28.3%
Aug 202528.5 trn17.9 trn12.8 trn29.9 trn7.2 trn12.8%10.0%10.3%22.2%28.7%
Jul 202527.9 trn17.6 trn12.3 trn29.8 trn7.1 trn12.8%10.1%10.4%22.1%28.8%

Fundamental value creation

Value the company creates per year, as a % of market cap

Value created per year: +5.1%

How this was calculated
1. EBITDA growth (latest quarter YoY, annualised)
[EBITDA latest qtr − EBITDA year-ago qtr] × annualisation X (2024-09-30 vs 2023-09-30)
= (389 000 − 411 400) × 3.97
-88 820
2. Current EV/EBITDA (LTM)
(Market cap + Net debt) ÷ EBITDA (LTM)
= (6 907 823 + -2 812 300) ÷ 1 542 461
2.7x
3. Target multiple
(Current EV/EBITDA + 6.5) ÷ 2
= (2.7 + 6.5) ÷ 2
4.6x
4. Cash flow (balance method, LTM)
Net-debt reduction + dividends + buybacks − equity issuance
= 693 200 + 2 + 68 500 − 0
761 702
5. Value created per year
(EBITDA growth × Target multiple + Cash flow) ÷ Market cap
= (-88 820 × 4.6 + 761 702) ÷ 6 907 823
+5.1%

Amounts in millions of the reporting currency. EBITDA growth is the latest quarter vs the same quarter a year ago, annualised.

Caveats:

Dividends

No dividend rows found for this issuer.

Investor reporting (IR): https://www.e-disclosure.ru/portal/files.aspx?id=3043

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