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General information

  • Good financial results growth rate 39.9% (average between last period year over year growth for revenue and Net Income), there is acceleration compared to average historical growth rates (36.9%)
  • Dividend yield for the last twelve months 6.5%
  • Share price is 0.0% higher than minimum and 0.0% lower than maximum for the last 3 years
  • The company is overvalued by P/E LTM multiple compared to target level (3.2x vs
    )
  • Fundamental value created in LTM (estimate)
  • Taking into account the impact of the key rate 16.5% on the change in financial parameters: EBITDA adjustment is 6 302 mln rub as NetDebt * (expected key rate - 3 years average 0.0%) / 2, expected EBITDA adjusted for key rate increases is 88 596 mln rub, expected mult is 1.0x, target mult is 3.1x, potential is +79.8%

Key Financials (Download financials)

Ticker: INN7729355614
Share price, RUB:  (0.0%)1000
year average price 1000.00  


year start price 1000.00 2025-10-19

max close price 1000.00 2025-10-19

min close price 1000.00 2025-10-19

current price 1000.00 2025-11-01
Common stocks: 225 000 000

Dividend Yield:  6.5%
P / E LTM: 3.2x
P / E annualized: 2.4x
Last revenue growth (y/y):  44.7%
Last growth of Net Income (y/y):  35.2%
Historical revenue growth:  34.6%
Historical growth of Net Income:  39.1%
Target P/E (hist percentile):
Express share price potential:
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside-3.5%
 FCF Creation0.0%
 Growth+39.9%
 Growth Corr+1.5%
 
 Sum+38.0%
P/E mutiple calculation
Market Cap (m RUB): 225 000
Net Profit (m RUB): 70 797
P / E LTM: 3.2x
P / E 3.2x
P / E ann-d2.4x
P / B 0.5x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 22.3%
ROA (Return on assets) 1.6%

Revenue and Net Income

Quarterly 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

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

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Income (financial)


формула расчета Revenue = PercentIncomeNet + CommissionIncome
 
Q PercentIncome PercentExpense PercentIncomeNet ReserveForCreditLoss PercentIncomeNetAfterReserve CommissionIncome Revenue CommissionExpense CommissionIncomeNet OperationsWithFinancialInstruments OtherOperatingIncomeNet IncomeNonCoreNet AdministrativeExpense IncomeBeforeTax IncomeTax IncomeNet IncomeNetRegular IncomeNetIrregular
 
2025 q3 215 636+30% -175 638+33% 39 998+20% -2 884-51% 30 869+16% 11 553-5% 51 551+13% -278-7% 11 275-5% -301-57% 2 899-58%   -11 368+20% 28 196+6% -5 028+100% 23 168-3% 23 415-5% -247-61%
2025 q2 208 859+55% -169 389+60% 39 470+38% -8 942+188% 34 718+27% 7 195+95% 46 665+45% -2870% 6 908+104% 2 133+9% 227-88%   -10 994+14% 27 562+48% -4 078>+200% 23 484+35% 21 667+39% 1 8170%
2025 q1 209 765+75% -174 944+94% 34 821+16% -6 182+67% 28 084+7% 7 128+91% 41 949+24% -339+64% 6 789+92% -1 034<-100% -948<-100%   -11 091+18% 20 690+12% -5 062+183% 15 628-6% 16 409+1% -781<-100%
2024 q4 197 296+110% -167 260+146% 30 036+15% -7 550+65% 23 454+19% 2 148-48% 32 184+7% -598+23% 1 550-58% 8 586>+200% 265-75%   -10 887-7% 11 148-8% -3 448 7 700-27% 174-98% 7 526>+200%
2024 q3 165 314+130% -131 982+168% 33 332+47% -5 944>+200% 26 524+19% 12 138>+200% 45 470+86% -299+61% 11 839>+200% -696>+200% 6 857<-100%   -9 448+26% 26 505+94% -2 520+20% 23 985+108% 24 615+112% -630>+200%
2024 q2 ( 14700 , 14701 ) 134 324+134% -105 758+151% 28 566+87% -3 101-24% 27 377+160% 3 681-82% 32 247-10% -288+76% 3 393-83% 1 949<-100% 1 848<-100%   -9 630+33% 18 670-14% -1 297-23% 17 373-14% 15 559-23% 1 814<-100%
2024 q1 120 185+114% -90 155+118% 30 030+103% -3 702+53% 26 223+95% 3 738>+200% 33 768+111% -207+120% 3 531>+200% 542<-100% 110-42%   -9 389+38% 18 483>+200% -1 791 16 692>+200% 16 203+197% 489<-100%
2023 q4 94 035+118% -68 001+132% 26 034+87% -4 564+74% 19 708+66% 4 169-25% 30 203+55% -488>+200% 3 681-32% 2 688+101% 1 081>+200%   -11 699+83% 12 097+38%   10 503+39% 8 031+25% 2 472+115%
2023 q3 72 005+67% -49 326+69% 22 679+63% -1 075-59% 22 348+88% 1 823-67% 24 502+26% -186+17% 1 637-70% -64<-100% -1 102<-100%   -7 472+17% 13 633+56% -2 102+74% 11 531+53% 11 585+81% -54<-100%
2023 q2 57 433 -42 169 15 264 -4 068 10 537 20 715 35 979 -164 20 551 -11 -6   -7 231 21 803 -1 693 20 110 20 120 -10
2023 q1 56 076 -41 316 14 760 -2 425 13 475 1 211 15 971 -94 1 117 -366 191   -6 784 4 859   5 075 5 457 -382
2022 q4 43 178+68% -29 262+74% 13 917+57% -2 621+193% 11 865+42% 5 584-23% 19 500+21% -159-6% 5 425-24% 1 334+12% 357-30%   -6 406+22% 8 767+2% -1 208>+200% 7 559-9% 6 408-11% 1 1500%
2022 q3 43 178+68% -29 262+74% 13 917+57% -2 621+193% 11 865+42% 5 584-23% 19 500+21% -159-6% 5 425-24% 1 334+12% 357-30%   -6 406+22% 8 767+2% -1 208>+200% 7 559-9% 6 408-11% 1 1500%
2021 q4 25 717+35% -16 826+29% 8 892+48% -896-59% 8 340+76% 7 282-16% 16 174+10% -169+60% 7 113-17% 1 187-13% 507+126%   -5 242+1% 8 588+22% -261-43% 8 327+27% 7 176+35% 1 151-9%
2021 q3 25 717 -16 826 8 892 -896 8 340 7 282 16 174 -169 7 113 1 187 507   -5 242 8 588 -261 8 327 7 176 1 151
2020 q4 19 074 -13 064 6 010 -2 200 4 733 8 679 14 689 -106 8 574 1 360 224   -5 209 7 040 -460 6 580 5 309 1 271


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3 415 996+14% 5 808 847+13% 4 838 189+18% 304 810+127% 2 847 400+17%
2025 q2 394 964+15% 5 578 917+21% 4 423 683+21% 299 053+157% 2 646 250+16%
2025 q1 392 952+14% 5 490 598+32% 4 242 358 327 308+174% 2 542 938+28%
2024 q4 379 836 5 568 482 4 220 445 334 184 2 467 942
2024 q3 365 225 5 139 991 4 109 386 134 439 2 435 294
2024 q2 ( 14700 , 14701 ) 343 534 4 597 253 3 658 167 116 304 2 290 405
2024 q1 344 584 4 175 013   119 273 1 989 353
2023 q4          
2023 q3          
2023 q2          
2023 q1          
2022 q4 217 310+38% 2 857 599+57%   45 322-9% 1 111 845+121%
2022 q3          
2021 q4 157 588 1 824 031   49 914 503 293
2021 q3          
2020 q4          


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2025 q3 00% -11 687-75% 190 274-51%
2025 q2 00% 38 609<-100% -40 955<-100%
2025 q1 00% -2 052-89% -7 453-51%
2024 q4 -7 036-98% -199 784>+200% -6 855<-100%
2024 q3 00% -46 547>+200% 385 778+148%
2024 q2 ( 14700 , 14701 ) 00% -21 213-14% 46 310-48%
2024 q1 00% -18 345>+200% -15 110-57%
2023 q4 -327 798<-100% -54 051>+200% 343 551>+200%
2023 q3 0<-100% -11 930>+200% 155 473+126%
2023 q2 0 -24 652 89 461
2023 q1 0 -4 653 -35 347
2022 q4 24 190<-100% -2 394-50% 68 796+99%
2022 q3 24 190<-100% -2 394-50% 68 796+99%
2021 q4 -16 428-54% -4 809>+200% 34 594-20%
2021 q3 -16 428 -4 809 34 594
2020 q4 -35 543 -894 43 413
RSBU data *The values are shown in mln. The % change shows the difference from the same period last year

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Income


Q Revenue Net income
 
2025 q3   2 513+149%
2025 q2   3 590-56%
2025 q1    
2024 q4    
2024 q3   1 011
2024 q2   8 142
2024 q1   5 151<-100%
2023 q4    
2023 q3    
2023 q1   -712
2022 q4    
2021 q4    


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3          
2025 q2          
2025 q1          
2024 q4          
2024 q3 290 226        
2024 q2          
2024 q1          
2023 q4          
2023 q3          
2023 q1          
2022 q4 162 361        
2021 q4          
More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company