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General information

Large Russian developer of software for automation of banks (ABS), investment and insurance companies, non-state pension funds and other financial organizations
  • Pretty weak financial results growth rate 3.6% (average between last period year over year growth for revenue and EBITDA), there is slowdown compared to average historical growth rates (12.3%)
  • Dividend yield for the last twelve months 7.2%
  • Free cash flow yield 5.2% (LTM)
  • Share price is -0.1% higher than minimum and 61.1% lower than maximum for the last 3 years
  • The company is undervalued by EV / LTM EBITDA multiple compared to target level (8.8x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: DIAS
Share price, RUB:  (-0.5%)2490.5
year average price 3695  


year start price 5438 2024-09-18

max close price 5660 2024-09-23

min close price 2492 2025-07-11

current price 2508 2025-09-17
Common stocks: 10 600 000

Dividend Yield:  7.2%
FCF Yield LTM: 5.2%
EV / LTM EBITDA:8.8x
EV / EBITDA annualized: 14.9x
Last revenue growth (y/y):  17.6%
Last growth of EBITDA (y/y):  -10.4%
Historical revenue growth:  16.6%
Historical growth of EBITDA:  7.9%
Target EV / EBITDA (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside+41.4%
 FCF Creation+5.2%
 Growth+3.6%
 Growth Corr-8.7%
 
 Sum+41.5%
EV / LTM EBITDA mutiple calculation
Market Cap (m RUB): 26 399
Net Debt (m RUB): -1 253
EV (Enterprise Value): 25 146
EBITDA LTM (m RUB): 2 870
EV / LTM EBITDA: 8.8x
Net Debt / LTM EBITDA (if EBITDA > 0): -0.4x
Average daily trading volume for the week, RUB mln: 36
P / E 8.6x
P / E ann-d18.5x
P / B 4.4x
EBITDA margin ann-d 17.5%
Net income margin ann-d 29.7%

Revenue and EBITDA

Quarterly values (m RUB)

Change (y/y)

Cash Flow

FCF (m RUB), before FX effects elimination

Net Debt / Cash and Equivalents (m RUB)

Share price and dividends (Download history)

Share price

Payment RUB per share

Multiple and potential

EV / LTM EBITDA and 50% percentile

Potential dynamics

Daily trade volumes

Millions of RUB

P/B and P/E multipliers

P / B

P / E

MSFO data *The values are shown in mln RUB The % change shows the difference from the same period last year

View as Pivot Table       Export as Pivot Table (xlsx)



Income


Q Revenue Gross profit Operating income Net income PercentProfit PercentLoss
 
2024 q2 1 203+4% 926-2% 330-31% 357-22% 72+164% -39+62%
2024 q1 1 203+4% 926-2% 330-31% 357-22% 72+164% -39+62%
2024 H2 5 057+33% 3 721+48% 2 429+46% 2 344+37% -4<-100% -12-48%
2024 H1 4 083+21% 1 851-2% 659-31% 714-22% 143+164% -78+62%
2023 q2 1 154+67% 948+24% 477+63% 459+77% 27+46% -24-56%
2023 q1 1 154 948 477 459 27 -24
2023 H2 3 808-1% 2 512+7% 1 668+9% 1 708+7% 4-92% -24<-100%
2023 H1 3 380+24% 1 897+24% 954+63% 918+77% 54+46% -48-56%
2022 q2 692 763 294 259 19 -55
2022 H2 3 865+36% 2 346+33% 1 535+55% 1 592+87% 49>+200% 40<-100%
2022 H1 2 736 1 526 587 519 37 -109
2021 H2 2 839 1 769 989 851 10 -27


Balance


Q Total equity Total assets Net debt Implied interest rate NetDebt / LTM EBITDA
 
2024 q2 6 017+107% 7 767+68% -1 545>+200%   -0.71x
2024 q1         -0.69x
2024 H2 6 082+114% 8 616+104% -3 218>+200%    
2024 H1 6 017+107% 7 767+68% -1 545>+200%    
2023 q2 2 901 4 615 -316   -0.12x
2023 q1         -0.13x
2023 H2 2 848+42% 4 225+15% -185<-100%    
2023 H1 2 901+2% 4 615+9% -316    
2022 q2         -0.06x
2022 H2 2 001+31% 3 667+23% 739    
2022 H1 2 848 4 225      
2021 H2 1 530 2 978      


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2024 q2 272-57% -177-10% -792+111%
2024 q1 272-57% -177-10% -792+111%
2024 H2 2 307+39% -849+37% 2 438<-100%
2024 H1 544-57% -354-10% -1 585+111%
2023 q2 627+61% -197+58% -376-3%
2023 q1 627 -197 -376
2023 H2 1 657+14% -620+18% -1 242+45%
2023 H1 1 255+61% -393+58% -752-3%
2022 q2 390 -125 -386
2022 H2 1 456+49% -524+110% -855+40%
2022 H1 779 -250 -773
2021 H2 976 -250 -613
RSBU data *The values are shown in mln RUB The % change shows the difference from the same period last year

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Income


Q Revenue Gross profit Operating income Net income PercentProfit PercentLoss
 
2025 q2 0<-100% 0<-100% -14<-100% -17<-100% 0<-100%  
2025 q1 1 097+17% 1 097+17% 1 087+17% 1 096+31% 15-55%  
2024 q4 974+9% 974+9% 961+9% 976+27% 30>+200%  
2024 q3 399-19% 399-19% 389-20% 423-13% 60>+200%  
2024 q2 213>+200% 213>+200% 203>+200% 146>+200% 56>+200%  
2024 q1 936+72% 936+72% 932+71% 834+54% 33>+200%  
2023 q4 892+185% 892+185% 885+183% 770+147% 0>+200%  
2023 q3 492+110% 492+110% 487+108% 487+109% 0>+200%  
2023 q2 41 41 41 40 0  
2023 q1 544 544 544 543 0  
2022 q4 313+3% 313+3% 313+3% 312+3% 0-94%  
2022 q3 235 235 234 233 0  
2021 q4 305+100% 305 304<-100% 304+102% 1-13% -1>+200%
2020 q4 0   0+137% 150-6% 1>+200% 0-25%
2019 q4     0 160 0 0


Balance


Implied interest rate for 2020 q4:
= (PercentLoss - PercentProfit) * (365 / periodLength) / (NetDebt - MinorityInterest)
= (0 - 1) * 4 / (58 - 0)

Q Total equity Total assets Net debt
 
2025 q2 3 624+4% 4 471+17% -4<-100%
2025 q1 4 481+23% 4 486+1% -17-99%
2024 q4 3 945+191% 4 421>+200% -950>+200%
2024 q3 3 441>+200% 3 459>+200% -1 048>+200%
2024 q2 3 491+158% 3 827+182% -1 561
2024 q1 3 645+169% 4 450>+200% -2 238>+200%
2023 q4 1 355>+200% 1 355>+200% -10+1%
2023 q3 711+88% 858+90% -10-1%
2023 q2 1 355 1 355  
2023 q1 1 355 1 355 -10
2022 q4 379-4% 452-37% -10-52%
2022 q3 379 452 -10
2021 q4 396+42% 721+101% -22<-100%
2020 q4 278 358-1% 58<-100%
2019 q4   363 0
More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company