Try our mobile app

General information

Leading neo-bank (+broker) with great current and historical financials growth rates
  • Good financial results growth rate 66.8% (average between last period year over year growth for revenue and Net Income), there is acceleration compared to average historical growth rates (41.9%)
  • Dividend yield for the last twelve months 4.1%
  • Share price is 88.4% higher than minimum and 18.6% lower than maximum for the last 3 years
  • The company is undervalued by P/E LTM multiple compared to target level (6.2x vs
    )
  • Fundamental value created in LTM (estimate)
  • Taking into account the impact of the key rate 21.0% on the change in financial parameters: EBITDA adjustment is -601 mln rub as NetDebt * (current key rate - normalized 7%) / 2, expected EBITDA adjusted for key rate increases is 171 995 mln rub, expected mult is 4.8x, target mult is 6.9x, potential is +43.4%

Key Financials (Download financials)

Ticker: T
Share price, RUB:  (-0.8%)3061.2
year average price 2814  


year start price 3000 2024-05-21

min close price 2182 2024-12-16

max close price 3639 2025-03-19

current price 3061 2025-05-20
Common stocks: 268 310 000
Dividend Yield:  4.1%
P / E LTM: 6.2x
P / E annualized: 5.3x
Last revenue growth (y/y):  44.5%
Last growth of Net Income (y/y):  89.1%
Historical revenue growth:  38.7%
Historical growth of Net Income:  45.2%
Target P/E (hist percentile):
Express share price potential:
Fundamental value created in LTM:
Fundamental value created in LTM:
[с учетом прогноза фин показателей]
 Mult Upside+38.6%
 FCF Creation0.0%
 Growth+35.2%
 Growth Corr-6.7%
 
 Sum+67.1%
P/E mutiple calculation
Market Cap (m RUB): 821 351
Net Profit (m RUB): 132 130
P / E LTM: 6.2x
Average daily trading volume for the week, RUB mln: 5503
P / E 6.7x
P / E ann-d5.3x
P / B 1.6x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 29.7%
ROA (Return on assets) 3.0%

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