Sector: Financial Services
RU_ZAYM
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 |
|---|---|---|---|---|---|---|---|---|
| 2026-03-31 | Q1 2026 (3M) | OK | 4.5 y/y -9.3% | 0.4 y/y -52.3% | 18.5 y/y 12.8% | 14.9 y/y 9.9% | 11.9% | Report (PDF) |
| 2025-12-31 | Q4 2025 (3M) | OK | 4.8 y/y -1.1% | 1.1 y/y -8.9% | 17.8 y/y 8.3% | 14.5 y/y 14.4% | 30.0% | Report (PDF) |
| 2025-09-30 | Q3 2025 (3M) | OK | 5.3 y/y 12.7% | 1.4 y/y 31.0% | 18.4 y/y 16.1% | 14.5 y/y 16.3% | 13.3% | Report (PDF) |
| 2025-06-30 | Q2 2025 (3M) | OK | 5.3 y/y 16.8% | 0.9 y/y -21.3% | 17.3 y/y 18.7% | 13.1 y/y 4.0% | 28.3% | Report (PDF) |
| 2025-03-31 | Q1 2025 (3M) | OK | 5.0 y/y 12.8% | 0.9 y/y 99.6% | 16.4 y/y 17.5% | 13.6 y/y 14.1% | 28.0% | Report (PDF) |
| 2024-12-31 | Q4 2024 (3M) | OK | 4.9 y/y 15.3% | 1.2 y/y 42.9% | 16.5 y/y 5.5% | 12.6 y/y 6.0% | 31.3% | Report (PDF) |
| 2024-09-30 | Q3 2024 (3M) | OK | 4.7 y/y 4.2% | 1.1 y/y -17.9% | 15.8 y/y — | 12.5 y/y — | 11.2% | Report (PDF) |
| 2024-06-30 | Q2 2024 (3M) | OK | 4.5 y/y -8.3% | 1.2 y/y -46.4% | 14.6 y/y -6.6% | 12.6 y/y 5.9% | 39.2% | Report (PDF) |
| 2024-03-31 | Q1 2024 (3M) | OK | 4.4 y/y -7.1% | 0.5 y/y -73.2% | 13.9 y/y -10.8% | 11.9 y/y -0.3% | 15.4% | Report (PDF) |
| 2023-12-31 | Q4 2023 (3M) | OK | 4.2 y/y — | 0.9 y/y — | 15.6 y/y — | 11.9 y/y — | — | Report (PDF) |
| 2023-09-30 | Q3 2023 (3M) | OK | 4.5 y/y — | 1.3 y/y — | — y/y — | — y/y — | — | Report (PDF) |
| 2023-06-30 | Q2 2023 (3M) | OK | 5.0 y/y — | 2.2 y/y — | 15.6 y/y — | 11.9 y/y — | 75.3% | — |
| 2023-03-31 | Q1 2023 (3M) | OK | 4.8 y/y — | 1.7 y/y — | 15.6 y/y — | 11.9 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 | 18.7 | 18.6 | 20.5 | +10% |
| Interest expense | -0.2 | -0.1 | -0.1 | -52% |
| Net interest income | 18.5 | 18.6 | 20.4 | +10% |
| Credit-loss provisions | -3.9 | -5.5 | -8.7 | -57% |
| NII after provisions | 14.5 | 13.0 | 11.7 | -10% |
| Fee & commission income | 0.2 | 0.5 | 2.4 | +352% |
| Fee & commission expense | -0.5 | -0.5 | -0.4 | +30% |
| Net fee & commission income | -0.2 | 0.0 | 2.1 | +6509% |
| Financial instruments & investment result | -0.0 | -0.0 | 0.0 | +103% |
| Other operating income, net | -0.6 | -0.1 | -0.8 | -882% |
| Operating income | 18.7 | 19.1 | 22.8 | +20% |
| Administrative & other expenses (SG&A) | -5.9 | -7.6 | -7.2 | +6% |
| Profit before tax | 7.8 | 5.4 | 5.8 | +8% |
| Income tax | -1.7 | -1.4 | -1.5 | -2% |
| Net profit | 6.1 | 3.9 | 4.3 | +11% |
| of which recurring | 6.1 | 3.9 | 4.3 | +11% |
| of which non-recurring | -0.0 | -0.0 | 0.0 | +100% |
| Key ratios (annual) | ||||
| ROE | 52.2% | 32.0% | — | |
| Cost of risk (CoR) | 31.02% | 42.79% | — | |
| Cost-to-income (CIR) | 31.6% | 39.8% | 31.3% | -8.5 pp |
| Net interest margin (NIM) | 119.08% | 115.68% | — | |
ROE = net profit ×4 / avg equity; CoR = provisions ×4 / avg credit portfolio; CIR = admin expense / operating income; NIM = NII ×4 / avg assets.
| Quarter | 24/06 Q2 | 24/09 Q3 | 24/12 Q4 | 25/03 Q1 | 25/06 Q2 | 25/09 Q3 | 25/12 Q4 | 26/03 Q1 |
|---|---|---|---|---|---|---|---|---|
| P&L, bn RUB | ||||||||
| Net interest income | 4.5 | 4.7 | 4.9 | 5.0 | 5.3 | 5.3 | 4.8 | 4.5 |
| Provisions | -3.7 | -1.4 | -1.1 | 1.0 | -5.5 | -2.1 | -2.2 | 0.7 |
| Net fee income | -0.1 | -0.0 | 0.2 | 0.2 | 0.4 | 0.6 | 0.9 | 0.5 |
| Financial instruments & investment | -0.0 | -0.0 | -0.0 | — | 0.0 | 0.0 | -0.0 | 0.0 |
| Operating income | 4.6 | 4.8 | 5.2 | 5.4 | 5.8 | 5.9 | 5.8 | 5.2 |
| Admin (SG&A) | -1.8 | -1.7 | -2.3 | -1.9 | -1.8 | -1.5 | -1.9 | -2.3 |
| Net profit | 1.2 | 1.1 | 1.2 | 0.9 | 0.9 | 1.4 | 1.1 | 0.4 |
| Balance (period-end), bn RUB | ||||||||
| Credit portfolio | 12.7 | 13.1 | 13.2 | 14.5 | 14.6 | 13.9 | ~13.1 | 12.4 |
| Securities portfolio (bonds) | — | — | — | — | — | 0.3 | — | — |
| Customer deposits | — | — | — | — | — | 0.8 | — | 0.7 |
| Other assets | 1.9 | 2.7 | 3.2 | 1.9 | 2.7 | 4.1 | — | 6.1 |
| Total assets | 14.6 | 15.8 | 16.5 | 16.4 | 17.3 | 18.4 | ~18.4 | 18.5 |
| Equity | 12.6 | 12.5 | 12.6 | 13.6 | 13.1 | 14.5 | ~14.7 | 14.9 |
| Key ratios (annualised) | ||||||||
| ROE (annualised) | 39.2% | 33.5% | 38.8% | 28.0% | 28.3% | 39.8% | 30.4%* | 11.8% |
| Cost of risk (CoR) | 117.31% | 42.66% | 34.06% | -30.15% | 151.38% | 58.10% | 63.61%* | -21.17% |
| Cost-to-income (CIR) | 39.5% | 34.7% | 44.5% | 35.8% | 31.5% | 26.0% | 32.3% | 44.0% |
| Net interest margin (NIM) | 127.62% | 122.91% | 121.34% | 122.08% | 126.20% | 118.01% | 105.35%* | 98.61% |
High yield on falling profit
The forecast yield is high but full-year profit fell >20% — the payout rests on past earnings and is likely to be cut. Upside is suppressed to avoid flagging a yield trap as a buy.
| 1 · Forecast dividend (per policy) | |
| Smoothed net profit (median YTD-ann./LTM/FY) | 4 bn RUB |
| Payout ratio | 61% |
| Free cash flow (FY, OCF − capex) | 5 bn RUB |
| Recent actual dividend (3-yr median) | 27.07 ₽ |
| = Forecast dividend per share | 27.07 ₽ |
| 2 · Fair yield (spread to key rate) | |
| CBR key rate | 14.0% |
| Historical yield spread to rate (3-yr median) | -0.3 pp |
| = Fair dividend yield (bank floor ≈ rate−3.5) | 13.7% |
| 3 · Valuation → upside | |
| Current price | 138 ₽ |
| Forecast dividend yield | 19.6% |
| Fair price (dividend-based) | 210 ₽ |
Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.
Paid, trailing 12-mo: 27.07 RUB/sh · 19.6%
| Pay year | Dividend /sh | |
|---|---|---|
| 2026 | 15.46 ₽ | |
| 2025 | 35.83 ₽ | |
| 2024 | 16.60 ₽ |
| Period | Ex-date | /sh |
|---|---|---|
| 2026 q2 | 2026-06-29 | 15.46 ₽ |
| 2025 q4 | 2025-12-11 | 11.61 ₽ |
| 2025 q2 | 2025-06-26 | 13.71 ₽ |
| 2025 q1 | 2025-01-13 | 10.51 ₽ |
| 2024 q4 | 2024-10-03 | 12.02 ₽ |
| 2024 q2 | 2024-06-06 | 4.58 ₽ |
No dividend rows found for this issuer.
Substantive mentions last 7 days: 0, last 30 days: 0 across tracked channels, broker research and shows. 2 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.
| 22.06.26 | AGM / Board | ★ ▲ Решения общих собраний участников (акционеров) На внеочередном собрании акционеров ПАО 'Займер' принято решение о выплате дивидендов по итогам первого квартала 2026 года в размере 4,36 руб. на акцию, с общей суммой 436 млн. руб. на дивиденды. Дата составления списка акционеров для получения дивидендов установлена на 30 июня 2026 года. |
| 15.05.26 | Filing | ★ ▲ Созыв общего собрания участников (акционеров) ПАО МКК 'Займер' созывает внеочередное общее собрание акционеров с заочным голосованием, которое пройдет 19 июня 2026 года. В повестке дня стоит вопрос о выплате дивидендов по обыкновенным акциям по результатам первого квартала 2026 года. |
| 26.03.26 | Filing | ★ ▲ Совершение эмитентом сделки, в совершении которой имеется заинтересованность ПАО МКК 'Займер' заключило сделку с АО КИБ 'ЕВРОАЛЬЯНС' о внесении вклада в имущество на сумму 300 млн. руб. Сделка одобрена Советом директоров 24.03.2026. |
| 17.02.26 | Filing | ★ ▲ Присвоение или изменение рейтинга эмитента рейтинговым агентством или иной организацией на основании договора ПАО Микрокредитная компания 'Займер' присвоен кредитный рейтинг ruВВВ- с прогнозом 'Стабильный' 17 февраля 2026 года. Рейтинг был присвоен рейтинговым агентством 'Эксперт РА'. |
| 24.07.26 | AGM / Board | Решения совета директоров (наблюдательного совета) Совет директоров ПАО МКК 'Займер' принял решение о предоставлении согласия на два займа: один на сумму 130 млн. руб. с процентной ставкой 4% выше ключевой ставки, сроком на 6 месяцев, и второй на сумму 150 млн. руб. с процентной ставкой 5% выше ключевой ставки, сроком на 24 месяца. Оба займа предоставляются ООО 'ПКО Профи' и ООО 'БЭСТ', контролируемым Сергеем Седовым. |
| 14.07.26 | Material event | События (действия), оказывающие, по мнению эмитента, существенное влияние на стоимость или котировки его ценных бумаг Компания 'Займер' объявила операционные результаты II квартала 2026 года, с объемом выдач микрозаймов в 10,8 млрд руб. Объем выдач новым клиентам составил 1,06 млрд руб., а объем выдач по продукту 'Лимит+' увеличился на 91%. |
Source: e-disclosure material filings over the last 180 days; ★ — flagged important by the classifier; summaries are automatic.
Disclosed in the top-10 of 0 of 17 funds, ≈0 млн ₽ combined. Last month: left top-10 — 1.
| Fund | Manager | Weight | ≈Position | Δ weight m/m | Disclosure |
|---|---|---|---|---|---|
| SIPO Первая – Фонд АйПиО | Первая | left top-10 (was 5.51%) | 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 Zaymer — from primary filings.
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