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Sovcombank 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_SVCB

Price chart

11.28 RUBDay -0.04%

Key metrics

Market

Price
11.28 RUB · -0.04%
Market cap
3.6 bn USD

Growth

Δ NII y/y
71.9%
Δ net profit y/y
57.2%

Multiples

P/E (LTM)
4.2x
3y avg: 4.2x
P/B (FY)
0.7x
3y avg: 0.9x
P/E (ann.)
3.2x

Returns

Dividend yield
2.9%
ROE (annualized)
19.8%
ROI (ROE ÷ P/B)
30.4%

Value creation

annualized net income / market cap (return on equity value)
Banking potential
+85.6%
↓ details

Liquidity

Daily turnover (MOEX)
18.6 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: 12 / Warn: 1 / Err: 5 / Autofix applied: 0
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-03-31 Q1✓OK
2023-06-30 Q2✗Errors 1
2023-09-30 9M✓OK
2023-09-30 Q3✓OK
2023-12-31 FY✓OK
2023-12-31 Q4✓OK
2024-03-31 Q1⚠Warn 3
2024-06-30 Q2✓OK
2024-09-30 9M✓OK
2024-09-30 Q3✗Errors 3Warn 1
2024-12-31 FY✗Errors 3Warn 1
2024-12-31 Q4✗Errors 2Warn 2
2025-03-31 Q1✗Errors 2Warn 3
2025-06-30 Q2✓OK
2025-09-30 Q3✓OK
2025-12-31 FY✓OK
2025-12-31 Q4✓OK
2026-03-31 Q1✓OK
✓ 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)OK841.0
y/y 71.9%
276.3
y/y 57.2%
58827.5
y/y 8.2%
5698.1
y/y 15.4%
19.8%Report (PDF)
2025-12-31Q4 2025 (3M)OK781.4
y/y 37.7%
250.2
y/y -13.9%
63392.2
y/y 11.7%
5456.8
y/y 11.8%
14.1%Report (PDF)
2025-09-30Q3 2025 (3M)OK667.8
y/y 20.1%
250.3
y/y 0.2%
60472.9
y/y 13.0%
5159.2
y/y 17.5%
6.6%Report (PDF)
2025-06-30Q2 2025 (3M)OK537.2
y/y -9.7%
70.2
y/y -63.5%
54953.0
y/y 3.3%
4962.0
y/y 16.8%
5.7%Report (PDF)
2025-03-31Q1 2025 (3M)OK489.3
y/y -1.9%
175.8
y/y -49.9%
54353.3
y/y 7.2%
4937.6
y/y 17.6%
14.3%Report (PDF)
2024-12-31Q4 2024 (3M)OK567.2
y/y 14.3%
290.5
y/y 11.1%
56748.0
y/y 26.9%
4881.7
y/y 32.5%
23.4%Report (PDF)
2024-09-30Q3 2024 (3M)OK555.8
y/y 7.2%
249.7
y/y -28.0%
53507.2
y/y 36.7%
4392.4
y/y 35.8%
7.7%Report (PDF)
2024-06-30Q2 2024 (3M)OK595.0
y/y 22.6%
192.2
y/y -52.9%
53222.7
y/y 60.0%
4248.8
y/y 42.3%
18.2%Report (PDF)
2024-03-31Q1 2024 (3M)OK498.6
y/y 11.4%
350.8
y/y 10.8%
50699.5
y/y 59.1%
4197.8
y/y 62.5%
35.6%Report (PDF)
2023-12-31Q4 2023 (3M)OK496.1
y/y —
261.5
y/y —
44724.8
y/y —
3683.6
y/y —
38.5%Report (PDF)
2023-09-30Q3 2023 (3M)OK518.6
y/y —
347.0
y/y —
39136.8
y/y —
3235.4
y/y —
14.9%Report (PDF)
2023-06-30Q2 2023 (3M)OK485.3
y/y —
407.7
y/y —
33273.9
y/y —
2985.3
y/y —
58.6%Report (PDF)
2023-03-31Q1 2023 (3M)OK447.5
y/y —
316.7
y/y —
31859.7
y/y —
2582.9
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)Net operating result (YTD)Pre-tax profit (YTD)Net profit (YTD)Total comprehensive income
Apr 2026 YTD37.5 bln
+656.1% y/y
1.6 bln
-111.6% y/y
39.2 bln39.3 bln40.6 bln
↳ Apr 2026 mo6.3 bln
-541.4% y/y
16.9 bln
+228.5% y/y
23.1 bln23.4 bln23.6 bln
Mar 2026 YTD31.3 bln
+390.3% y/y
-15.2 bln
-20.8% y/y
16.0 bln15.9 bln16.9 bln
↳ Mar 2026 mo14.5 bln
+804.8% y/y
-4.5 bln
-3.2% y/y
10.0 bln9.9 bln10.0 bln
Feb 2026 YTD16.8 bln
+251.3% y/y
-10.7 bln
-26.5% y/y
6.1 bln6.0 bln6.9 bln
↳ Feb 2026 mo9.1 bln
+415.7% y/y
-5.7 bln
-38.6% y/y
3.5 bln3.4 bln4.0 bln
Jan 2026 YTD7.6 bln
+154.4% y/y
-5.0 bln
-5.8% y/y
2.6 bln2.6 bln2.9 bln
↳ Jan 2026 mo7.6 bln
+154.4% y/y
-5.0 bln
-5.8% y/y
2.6 bln2.6 bln2.9 bln
Dec 2025 YTD41.8 bln
-24.4% y/y
-983 mln
-77.0% y/y
40.9 bln
-20.0% y/y
44.1 bln
+3.0% y/y
58.7 bln
+70.5% y/y
↳ Dec 2025 mo10.5 bln3.1 bln13.5 bln13.5 bln21.5 bln
Nov 2025 YTD31.4 bln-4.0 bln27.3 bln30.6 bln37.1 bln
↳ Nov 2025 mo6.4 bln5.4 bln11.7 bln11.7 bln12.5 bln
Oct 2025 YTD25.0 bln-9.4 bln15.6 bln19.0 bln24.6 bln
↳ Oct 2025 mo3.6 bln-8.9 bln-5.3 bln-4.0 bln-4.7 bln
Sep 2025 YTD21.4 bln-525 mln20.9 bln23.0 bln29.4 bln
↳ Sep 2025 mo7.2 bln7.1 bln14.4 bln14.3 bln12.6 bln
Aug 2025 YTD14.2 bln-7.7 bln6.5 bln8.7 bln16.8 bln
↳ Aug 2025 mo5.9 bln-3.8 bln2.1 bln2.0 bln2.3 bln
Jul 2025 YTD8.3 bln-3.9 bln4.4 bln6.7 bln14.4 bln
↳ Jul 2025 mo-1.3 bln3.3 bln2.1 bln2.8 bln2.5 bln
Jun 2025 YTD9.6 bln-7.2 bln2.4 bln3.9 bln11.9 bln
↳ Jun 2025 mo1.5 bln2.3 bln2.4 bln3.7 bln6.8 bln
May 2025 YTD8.0 bln-9.5 bln0 mln230 mln5.1 bln
↳ May 2025 mo3.1 bln4.6 bln0 mln230 mln5.1 bln

Dividend potential

Dividend-model upside: -56%

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)60 bn RUB
Payout ratio19%
Recent actual dividend (3-yr median)0.35 ₽
= Forecast dividend per share0.52 ₽
2 · Fair yield (spread to key rate)
CBR key rate14.5%
Historical yield spread to rate (3-yr median)-13.8 pp
= Fair dividend yield (bank floor ≈ rate−3.5)11.0%
3 · Valuation → upside
Current price11.27 ₽
Forecast dividend yield4.6%
Fair price (dividend-based)5 ₽

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=30052

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