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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 -7.9% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (21.8%)
  • Dividend yield for the last twelve months 0.0%
  • Share price is 33.5% higher than minimum and 43.2% lower than maximum for the last 3 years
  • The company is undervalued by P/E LTM multiple compared to target level (8.0x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: CARM
Share price, RUB:  (-2.6%)1.7905
year average price 2.0220  


year start price 2.2965 2024-02-24

max close price 2.6535 2024-04-01

min close price 1.3410 2024-12-17

current price 1.7905 2025-02-22
Common stocks: 2 203 330 000
Dividend Yield:  0.0%
P / E LTM: 8.0x
P / E annualized: 9.7x
Last revenue growth (y/y):  10.7%
Last growth of Net Income (y/y):  -26.4%
Historical revenue growth:  7.4%
Historical growth of Net Income:  36.2%
Target P/E (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside+10.9%
 FCF Creation0.0%
 Growth-7.9%
 Growth Corr-29.7%
 
 Sum-26.6%
P/E mutiple calculation
Market Cap (m RUB): 3 945
Net Profit (m RUB): 491
P / E LTM: 8.0x
Average daily trading volume for the week, RUB mln: 12
P / E 8.5x
P / B 0.9x

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