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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 34.5% higher than minimum and 30.0% lower than maximum for the last 3 years
  • The company is overvalued by P/E LTM multiple compared to target level (9.9x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: CARM
Share price, RUB:  (+0.3%)2.2065
year average price 2.33  


year start price 2.70 2023-09-18

max close price 2.70 2023-09-18

min close price 1.64 2024-09-02

current price 2.21 2024-09-15
Common stocks: 2 203 330 000
Dividend Yield:  0.0%
P / E LTM: 9.9x
P / E annualized: 11.9x
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:
P/E mutiple calculation
Market Cap (m RUB): 4 862
Net Profit (m RUB): 491
P / E LTM: 9.9x
Average daily trading volume for the week, RUB mln: 128
P / E 9.8x
P / B 1.2x

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