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General information

SFI is an investment holding that provides leasing, insurance and financial services to companies in Russia. As of October 2023, SFI owns 100% of shares of the leasing company Europlan, 49% of the insurance company VSK, 51% of the gaming service GFN.RU, and has investments in M.Video
  • Good financial results growth rate 39.9% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (63.0%)
  • Dividend yield for the last twelve months 3.9%
  • Share price is 269.2% higher than minimum and 22.1% lower than maximum for the last 3 years
  • The company is undervalued by P/E LTM multiple compared to target level (3.5x vs
    )
  • Fundamental value created in LTM (estimate)
  • Taking into account the impact of the key rate 21% on the change in financial parameters: EBITDA adjustment is 45 mln rub as NetDebt * (current key rate - normalized 7%) / 2, expected EBITDA adjusted for key rate increases is 24 385 mln rub, expected mult is 3.1x, target mult is 5.4x, potential is +71.6%

Key Financials (Download financials)

Ticker: SFIN
Share price, RUB:  (+10.3%)1539.4
year average price 1319.32  


year start price 529.20 2023-12-23

min close price 529.20 2023-12-23

max close price 1975.00 2024-03-18

current price 1539.40 2024-12-21
Common stocks: 50 240 000
Dividend Yield:  3.9%
P / E LTM: 3.5x
P / E annualized: 7.3x
Last revenue growth (y/y):  62.0%
Last growth of Net Income (y/y):  17.7%
Historical revenue growth:  36.7%
Historical growth of Net Income:  89.3%
Target P/E (hist percentile):
Express share price potential:
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside+57.0%
 FCF Creation0.0%
 Growth+39.9%
 Growth Corr-23.1%
 
 Sum+73.7%
P/E mutiple calculation
Market Cap (m RUB): 77 339
Net Profit (m RUB): 22 416
P / E LTM: 3.5x
Average daily trading volume for the week, RUB mln: 395
P / E 4.1x

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

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