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General information

CarMoney is a Russian microfinance organization covering about 80% of regions. A key feature of it`s business model is the ability to use the vehicle as collateral. The average CarMoney bill corresponds to the average consumer loan size. The service is a leader in the secured loans segment according to the National Rating Agency
  • Bad financial results growth rate -41.4% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (-2.5%)
  • Dividend yield for the last twelve months 7.8%
  • Share price is 34.0% higher than minimum and 43.0% lower than maximum for the last 3 years
  • The company is overvalued by P/E LTM multiple compared to target level (20.2x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: CARM
Share price, RUB:  (-0.1%)1.797
year average price 1.7164  


year start price 1.8725 2024-08-29

max close price 2.3925 2024-09-30

min close price 1.3410 2024-12-17

current price 1.7910 2025-08-28
Common stocks: 2 203 330 000
Dividend Yield:  7.8%
P / E LTM: 20.2x
P / E annualized: 27.5x
Last revenue growth (y/y):  -23.7%
Last growth of Net Income (y/y):  -59.1%
Historical revenue growth:  -4.2%
Historical growth of Net Income:  -0.8%
Target P/E (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside-49.0%
 FCF Creation0.0%
 Growth-41.4%
 Growth Corr-38.9%
 
 Sum-129.3%
P/E mutiple calculation
Market Cap (m RUB): 3 959
Net Profit (m RUB): 196
P / E LTM: 20.2x
Average daily trading volume for the week, RUB mln: 3
P / E 20.2x
P / E ann-d27.5x
P / B 0.8x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 2.8%
ROA (Return on assets) 1.7%

Revenue and Net Income

Semi-Annual values (m RUB)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment RUB per share

Multiple and potential

EV / LTM Net Income and 50% percentile

Potential dynamics

Daily trade volumes

Millions of RUB

P/B and P/E multipliers

P / B

P / E

More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company