Sector: Financial Services
RU_SVCB
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 |
|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | Q2 2026 (3M) | OK | 64.8 y/y 69.1% | 25.6 y/y 410.8% | 4485.3 y/y 14.5% | 423.7 y/y 19.8% | 24.7% | — |
| 2026-03-31 | Q1 2026 (3M) | OK | 60.0 y/y 71.9% | 19.7 y/y 57.2% | 4194.5 y/y 8.2% | 406.3 y/y 15.4% | 19.8% | — |
| 2025-12-31 | Q4 2025 (3M) | OK | 55.7 y/y 37.7% | 17.8 y/y -13.9% | 4520.0 y/y 11.7% | 389.1 y/y 11.8% | 14.1% | — |
| 2025-09-30 | Q3 2025 (3M) | OK | 47.6 y/y 20.1% | 17.8 y/y 0.2% | 4311.9 y/y 13.0% | 367.9 y/y 17.5% | 6.6% | — |
| 2025-06-30 | Q2 2025 (3M) | OK | 38.3 y/y -9.7% | 5.0 y/y -63.5% | 3918.3 y/y 3.3% | 353.8 y/y 16.8% | 5.7% | — |
| 2025-03-31 | Q1 2025 (3M) | OK | 34.9 y/y -1.9% | 12.5 y/y -49.9% | 3875.5 y/y 7.2% | 352.1 y/y 17.6% | 14.3% | — |
| 2024-12-31 | Q4 2024 (3M) | OK | 40.4 y/y 14.3% | 20.7 y/y 11.1% | 4046.3 y/y 26.9% | 348.1 y/y 32.5% | 23.4% | — |
| 2024-09-30 | Q3 2024 (3M) | OK | 39.6 y/y — | 17.8 y/y — | 3815.2 y/y — | 313.2 y/y — | 7.7% | — |
| 2024-06-30 | Q2 2024 (3M) | OK | 42.4 y/y 22.6% | 13.7 y/y -52.9% | 3794.9 y/y 60.0% | 302.9 y/y 42.3% | 18.2% | — |
| 2024-03-31 | Q1 2024 (3M) | OK | 35.6 y/y 11.4% | 25.0 y/y 10.8% | 3615.0 y/y 59.1% | 299.3 y/y 62.5% | 35.6% | — |
| 2023-12-31 | Q4 2023 (3M) | OK | 35.4 y/y — | 18.6 y/y — | 3189.0 y/y — | 262.6 y/y — | 38.5% | — |
| 2023-09-30 | Q3 2023 (3M) | OK | 2.4 y/y — | 47.3 y/y — | 2790.5 y/y — | 231.7 y/y — | 45.8% | — |
| 2023-06-30 | Q2 2023 (3M) | OK | 34.6 y/y — | 29.1 y/y — | 2372.5 y/y — | 212.9 y/y — | 58.6% | — |
| 2023-03-31 | Q1 2023 (3M) | OK | 31.9 y/y — | 22.6 y/y — | 2271.7 y/y — | 184.2 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 | 315 | 602 | 748 | +24% |
| Interest expense | -176 | -444 | -572 | -29% |
| Net interest income | 139 | 158 | 177 | +12% |
| Credit-loss provisions | -32.5 | -73.9 | -80.7 | -9% |
| NII after provisions | 106 | 84.2 | 95.8 | +14% |
| Fee & commission income | 34.9 | 48.6 | 59.1 | +21% |
| Fee & commission expense | -8.0 | -9.2 | -10.2 | -11% |
| Net fee & commission income | 26.8 | 39.5 | 48.9 | +24% |
| Financial instruments & investment result | 57.0 | 17.3 | 20.0 | +16% |
| Other operating income, net | 75.5 | 120 | 102 | -15% |
| Operating income | 174 | 207 | 236 | +14% |
| Administrative & other expenses (SG&A) | -189 | -264 | -317 | -20% |
| Profit before tax | 110 | 79.7 | 66.5 | -17% |
| Income tax | -14.7 | -2.5 | -13.3 | -437% |
| Net profit | 95.0 | 77.2 | 53.2 | -31% |
| of which recurring | 45.7 | 60.5 | 37.2 | -38% |
| of which non-recurring | 49.3 | 16.7 | 16.0 | -4% |
| Key ratios (annual) | ||||
| ROE | 43.6% | 25.3% | 14.4% | -10.9 pp |
| Cost of risk (CoR) | 1.98% | 3.24% | 2.83% | -0.4 pp |
| Cost-to-income (CIR) | 108.5% | 127.7% | 134.6% | +6.9 pp |
| Net interest margin (NIM) | 5.16% | 4.37% | 4.12% | -0.2 pp |
ROE = net profit ×4 / avg equity; CoR = provisions ×4 / avg credit portfolio; CIR = admin expense / operating income; NIM = NII ×4 / avg assets.
| Quarter | 24/09 Q3 | 24/12 Q4 | 25/03 Q1 | 25/06 Q2 | 25/09 Q3 | 25/12 Q4 | 26/03 Q1 | 26/06 Q2 |
|---|---|---|---|---|---|---|---|---|
| P&L, bn RUB | ||||||||
| Net interest income | 39.6 | 40.4 | 34.9 | 38.3 | 47.6 | 55.7 | 60.0 | 64.8 |
| Provisions | -18.9 | -22.7 | -12.0 | -25.0 | -26.9 | -16.8 | -23.1 | — |
| Net fee income | 9.6 | 14.1 | 8.8 | 11.6 | 13.4 | 15.1 | 11.6 | 13.9 |
| Financial instruments & investment | 2.1 | 10.5 | -14.9 | 7.2 | 12.5 | -0.2 | 5.3 | -0.8 |
| Operating income | 52.7 | 54.6 | 47.0 | 52.8 | 62.5 | 73.3 | 74.8 | 81.8 |
| Admin (SG&A) | -68.0 | -79.2 | -77.1 | -76.1 | -77.7 | -86.1 | -83.2 | -77.2 |
| Net profit | 17.8 | 20.7 | 12.5 | 5.0 | 17.8 | 17.8 | 19.7 | 25.6 |
| Balance (period-end), bn RUB | ||||||||
| Credit portfolio | 2 474 | 2 664 | 2 620 | 2 708 | 2 870 | 3 048 | 2 857 | 3 006 |
| Securities portfolio (bonds) | 457 | 581 | 537 | 546 | 514 | 373 | 435 | 424 |
| Customer deposits | 2 805 | 3 041 | 2 826 | 2 901 | 3 171 | 3 428 | 3 005 | 3 237 |
| Other assets | 884 | 801 | 719 | 664 | 929 | 1 099 | 903 | 1 055 |
| Total assets | 3 815 | 4 046 | 3 876 | 3 918 | 4 312 | 4 520 | 4 195 | 4 485 |
| Equity | 313 | 348 | 352 | 354 | 368 | 389 | 406 | 424 |
| Key ratios (annualised) | ||||||||
| ROE (annualised) | 23.1% | 25.1% | 14.3% | 5.7% | 19.8% | 18.9% | 19.8% | 24.7% |
| Cost of risk (CoR) | 3.12% | 3.54% | 1.82% | 3.76% | 3.85% | 2.27% | 3.14% | — |
| Cost-to-income (CIR) | 128.8% | 145.0% | 164.1% | 144.3% | 124.4% | 117.4% | 111.2% | 94.4% |
| Net interest margin (NIM) | 4.17% | 4.12% | 3.52% | 3.93% | 4.63% | 5.05% | 5.50% | 5.97% |
<div class='muted' style='font-size:.72rem;line-height:1.2'>2.5 bln mo</div> source: CBR
| Reported | Monthly ×12 | |
|---|---|---|
| Reporting period | H1 2026 | |
| RAS profit, quarter months | Jan 2026 2.6 bln Feb 2026 3.4 bln Mar 2026 9.9 bln Apr 2026 23.4 bln May 2026 10.2 bln Jun 2026 14.7 bln | |
| Annualised profit, mln RUB | 90.6 bln | 176.2 bln |
| Book (equity) | 423.7 bln | 423.7 bln |
| ROE (annualised) | 21% | 42% |
| Price / Book | 0.64x | 0.64x |
| Potential [ROE / P/B] | +33% | +65% |
Potential = annualised net profit / market cap (= ROE / P/B). 'Reported' is the last IFRS quarter annualised; 'Forecast' adjusts it for seasonality from the latest monthly RAS data (multiplier X = profit of the most recent months / profit of the quarter's months); 'Monthly ×12' annualises the latest RAS month. RAS = parent bank charter, IFRS = group; the bases differ, so the forecast is a momentum indicator.
| Period | Net interest income (YTD) | Net operating result (YTD) | Pre-tax profit (YTD) | Net profit (YTD) | Total comprehensive income |
|---|---|---|---|---|---|
| Jun 2026 | 61.1 bln +538.3% y/y · 13.2 bln mo +764.6% | 3.6 bln -149.9% y/y · 1.8 bln mo -21.6% | 64.7 bln +2646.5% y/y · 15.0 bln mo +536.6% | 64.2 bln +1528.3% y/y · 14.7 bln mo +295.4% | 64.0 bln +437.8% y/y · 13.2 bln mo +93.8% |
| May 2026 | 47.9 bln +495.4% y/y · 10.4 bln mo +236.4% | 1.8 bln -119.1% y/y · 170 mln mo -96.3% | 49.7 bln 10.5 bln mo | 49.5 bln +21414.4% y/y · 10.2 bln mo +4341.2% | 50.8 bln +898.4% y/y · 10.3 bln mo +101.9% |
| Apr 2026 | 37.5 bln +656.1% y/y · 6.3 bln mo -541.4% | 1.6 bln -111.6% y/y · 16.9 bln mo +228.5% | 39.2 bln 23.1 bln mo | 39.3 bln 23.4 bln mo | 40.6 bln 23.6 bln mo |
| Mar 2026 | 31.3 bln +390.3% y/y · 14.5 bln mo +804.8% | -15.2 bln -20.8% y/y · -4.5 bln mo -3.2% | 16.0 bln 10.0 bln mo | 15.9 bln 9.9 bln mo | 16.9 bln 10.0 bln mo |
| Feb 2026 | 16.8 bln +251.3% y/y · 9.1 bln mo +415.7% | -10.7 bln -26.5% y/y · -5.7 bln mo -38.6% | 6.1 bln 3.5 bln mo | 6.0 bln 3.4 bln mo | 6.9 bln 4.0 bln mo |
| Jan 2026 | 7.6 bln +154.4% y/y · 7.6 bln mo +154.4% | -5.0 bln -5.8% y/y · -5.0 bln mo -5.8% | 2.6 bln 2.6 bln mo | 2.6 bln 2.6 bln mo | 2.9 bln 2.9 bln mo |
| Dec 2025 | 41.8 bln -24.4% y/y · 10.5 bln mo | -983 mln -77.0% y/y · 3.1 bln mo | 40.9 bln -20.0% y/y · 13.5 bln mo | 44.1 bln +3.0% y/y · 13.5 bln mo | 58.7 bln +70.5% y/y · 21.5 bln mo |
| Nov 2025 | 31.4 bln 6.4 bln mo | -4.0 bln 5.4 bln mo | 27.3 bln 11.7 bln mo | 30.6 bln 11.7 bln mo | 37.1 bln 12.5 bln mo |
| Oct 2025 | 25.0 bln 3.6 bln mo | -9.4 bln -8.9 bln mo | 15.6 bln -5.3 bln mo | 19.0 bln -4.0 bln mo | 24.6 bln -4.7 bln mo |
| Sep 2025 | 21.4 bln 7.2 bln mo | -525 mln 7.1 bln mo | 20.9 bln 14.4 bln mo | 23.0 bln 14.3 bln mo | 29.4 bln 12.6 bln mo |
| Aug 2025 | 14.2 bln 5.9 bln mo | -7.7 bln -3.8 bln mo | 6.5 bln 2.1 bln mo | 8.7 bln 2.0 bln mo | 16.8 bln 2.3 bln mo |
| Jul 2025 | 8.3 bln -1.3 bln mo | -3.9 bln 3.3 bln mo | 4.4 bln 2.1 bln mo | 6.7 bln 2.8 bln mo | 14.4 bln 2.5 bln mo |
Bank of Russia form 0409135 · latest reporting date 01.07.2026 (June 2026) · systemically important
| Date | Н1.0, % (headroom) | Н1.2, % (headroom) | Н1.1, % (headroom) | Н2, % | Н3, % | Н4, % | Н27, % | Status |
|---|---|---|---|---|---|---|---|---|
| 01.07.2026 | 10.98 (+0.98) | 9.62 (+1.62) | 8.58 (+2.08) | 60.01 | 106.40 | 42.63 | 100.00 | watch |
| 01.06.2026 | 10.74 (+0.74) | 9.02 (+1.02) | 8.08 (+1.58) | 61.50 | 107.05 | 44.60 | 100.00 | watch |
| 01.05.2026 | 10.90 (+0.90) | 9.24 (+1.24) | 8.24 (+1.74) | 49.67 | 124.18 | 43.97 | 109.41 | watch |
| 01.04.2026 | 10.96 (+0.96) | 9.69 (+1.69) | 8.58 (+2.08) | 62.95 | 217.01 | 44.06 | 100.58 | watch |
| 01.03.2026 | 10.85 (+0.85) | 9.15 (+1.15) | 8.11 (+1.61) | 72.31 | 142.87 | 44.45 | 101.89 | watch |
| 01.02.2026 | 10.59 (+0.59) | 8.94 (+0.94) | 7.94 (+1.44) | 75.74 | 128.34 | 45.35 | 102.48 | watch |
| 01.01.2026 | 10.54 (+0.54) | 8.84 (+0.84) | 7.82 (+1.31) | 92.20 | 121.85 | 46.10 | — | watch |
| 01.12.2025 | 10.16 (+0.91) | 8.86 (+1.61) | 7.84 (+2.09) | 75.33 | 113.58 | 45.73 | — | watch |
| 01.11.2025 | 9.84 (+0.59) | 8.75 (+1.50) | 7.70 (+1.95) | 75.99 | 110.11 | 45.54 | — | watch |
| 01.10.2025 | 10.14 (+0.89) | 8.70 (+1.45) | 7.60 (+1.85) | 66.20 | 153.07 | 44.88 | — | watch |
| 01.09.2025 | 10.05 (+0.80) | 8.82 (+1.57) | 7.69 (+1.94) | 88.88 | 126.43 | 44.45 | — | watch |
| 01.08.2025 | 10.13 (+0.88) | 8.65 (+1.40) | 7.49 (+1.74) | 63.42 | 195.32 | 42.91 | — | watch |
CBR reporting dates are the 1st of the month, i.e. the previous month's close. Figures in brackets are headroom over the minimum incl. buffers; «r» marks a value taken from the bank's own release (clickable). N20.x are banking-group ratios, N2/N3/N4 are liquidity ratios, N27 is the NSTLR.
Dividend-model upside: -43%
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) | 81 bn RUB |
| Payout ratio | 18% |
| Recent actual dividend (3-yr median) | 0.35 ₽ |
| = Forecast dividend per share | 0.56 ₽ |
| 2 · Fair yield (spread to key rate) | |
| CBR key rate | 14.0% |
| Historical yield spread to rate (3-yr median) | -13.4 pp |
| = Fair dividend yield (bank floor ≈ rate−3.5) | 10.5% |
| 3 · Valuation → upside | |
| Current price | 9.91 ₽ |
| Forecast dividend yield | 5.7% |
| Fair price (dividend-based) | 5.61 ₽ |
Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.
| Pay year | Dividend /sh | |
|---|---|---|
| 2025 | 0.35 ₽ | |
| 2024 | 1.14 ₽ | |
| 2023 | 0.25 ₽ |
| Period | Ex-date | /sh |
|---|---|---|
| 2025 q3 | 2025-07-07 | 0.35 ₽ |
| 2024 q3 | 2024-07-05 | 1.14 ₽ |
| 2023 q4 | 2023-11-07 | 0.25 ₽ |
No dividend rows found for this issuer.
Substantive mentions last 7 days: 5 (2 positive), last 30 days: 23 (13 positive, 2 negative) across tracked channels, broker research and shows. 58 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.
| 02.07.26 | Filing | ★ ▲ Дата определения (фиксации) лиц, имеющих право на осуществление прав по ценным бумагам эмитента ПАО «Совкомбанк» объявило дату фиксирования лиц, имеющих право на получение дивидендов по обыкновенным акциям, на 13 июля 2026 года. Протокол годового собрания акционеров, на котором было принято это решение, датирован 2 июля 2026 года. |
| 02.07.26 | AGM / Board | ★ ▲ Решения общих собраний участников (акционеров) На годовом собрании акционеров ПАО «Совкомбанк» 30 июня 2026 года было утверждено распределение прибыли за 2025 год, включая дивиденды в размере 7,86 млрд. руб. (0,35 руб. на акцию). Также избран новый состав Наблюдательного совета и назначены аудиторские организации на 2026 год. |
| 28.05.26 | AGM / Board | ★ ▲ Решения совета директоров (наблюдательного совета) Совет директоров ПАО «Совкомбанк» рекомендовал выплатить дивиденды в размере 7,86 млрд. руб. (0,35 руб. на акцию) по итогам 2025 года, а также направить 9,11 млн. руб. на пополнение резервного фонда. Дата определения лиц, имеющих право на получение дивидендов, назначена на 13 июля 2026 года. |
| 15.05.26 | Earnings | ★ Раскрытие эмитентом консолидированной финансовой отчетности ПАО «Совкомбанк» опубликовал обобщенную промежуточную консолидированную финансовую отчетность за три месяца, завершившиеся 31 марта 2026 г., согласно МСФО. Отчетность и аудиторское заключение подготовлены 15 мая 2026 г. Аудитором выступило Общество с ограниченной ответственностью «Б1 – Аудит». |
| 05.03.26 | Filing | ★ Возникновение у владельцев облигаций эмитента права требовать от эмитента досрочного погашения принадлежащих им облигаций Владельцы биржевых облигаций ПАО «Совкомбанк» получили право на досрочное погашение своих облигаций в связи с реорганизацией банка, состоящей в присоединении к нему АО «Витабанк». Досрочное погашение будет производиться по цене, равной 100% номинальной стоимости облигаций, с выплатой накопленного купонного дохода. Заявления о досрочном погашении можно подавать в течение 30 дней с 04.03.2026. |
| 24.08.26 | Material event | События (действия), оказывающие, по мнению эмитента, существенное влияние на стоимость или котировки его ценных бумаг 24 августа 2026 года ПАО «Совкомбанк» приняло решение о размещении биржевых облигаций серии 003Р-02 по фиксированной цене 1 тыс. руб. за облигацию. Сбор заявок от потенциальных инвесторов начнется 25 августа 2026 года в 11:00 и завершится в 12:00. Облигации имеют регистрационный номер 4B02-02-00963-B-003P. |
| 04.08.26 | Buyback | Приобретение (наступление оснований для приобретения) размещённых эмитентом облигаций ПАО «Совкомбанк» объявило о намерении приобрести все облигации серии БО-П01 по цене 100% от их номинальной стоимости, с выплатой накопленного купонного дохода. Период предъявления требований владельцев облигаций начнется с 14.08.2026 и продлится до 20.08.2026, а дата приобретения назначена на 25.08.2026. |
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, ≈18 млн ₽ combined.
| Fund | Manager | Weight | ≈Position | Δ weight m/m | Disclosure |
|---|---|---|---|---|---|
| TITR Т-Капитал Акции роста | Т-Капитал | 5.89% | 18 млн ₽ | — | 30.06.2026 |
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.
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 Sovcombank (SVCB) — from primary filings.
and 5 more issue(s)
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