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General information

  • Bad financial results growth rate -30.2% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (9.4%)
  • Dividend yield for the last twelve months 14.5%
  • Share price is 9.0% higher than minimum and 48.3% lower than maximum for the last 3 years
  • The company is overvalued by P/E LTM multiple compared to target level (10.0x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: LEAS
Share price, RUB:  (-0.2%)545.2
year average price 631.97  


year start price 714.00 2025-01-01

max close price 824.50 2025-02-17

min close price 500.30 2025-10-02

current price 546.30 2025-12-31
Common stocks: 120 000 000
Dividend Yield:  14.5%
P / E LTM: 10.0x
P / E annualized: 15.5x
Last revenue growth (y/y):  -2.3%
Last growth of Net Income (y/y):  -58.1%
Historical revenue growth:  25.4%
Historical growth of Net Income:  -6.5%
Target P/E (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside-36.8%
 FCF Creation0.0%
 Growth-30.2%
 Growth Corr-39.7%
 
 Sum-106.7%
P/E mutiple calculation
Market Cap (m RUB): 65 424
Net Profit (m RUB): 6 556
P / E LTM: 10.0x
Average daily trading volume for the week, RUB mln: 210
P / E 10.0x
P / E ann-d15.5x
P / B 1.4x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 9.0%
ROA (Return on assets) 1.8%

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

Фьючерсы
Название Инструмент Дата экспирации Последняя цена За день Дневной объем млн руб Цена акции Контанго / бэквордация Annualized
Фьючерсный контракт LEAS-3.26 LEH6 2026-03-20 565.00 -0.4% 5.5 546.3 +3.4% +16.8%
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 13 157-11% -8 0850% 5 072-24% -6 479+158% -1 407<-100% 5 770+21% 10 842-5% -528+58% 5 242+18%       -2 402-15% 1 433-75% -377-67% 1 056-58%    
2025 q2 ( 12520 , 12526 ) 14 504+10% -8 909+28% 5 596-11% -6 908>+200% -1 313<-100% 4 980+15% 10 5760% -443-9% 4 537+18%       -2 556-5% 670-88% -167-85% 502-89%    
2025 q1 15 666+33% -9 335+53% 6 331+11% -5 795>+200% 536-89% 4 273+22% 10 603+15% -421+28% 3 851+22%       -2 550-3% 1 838-67% -452-59% 1 386-68%    
2024 q4 15 687+69% -8 720+85% 6 967+52% -3 875>+200% 3 092-21% 4 820+43% 11 787+22% -395+50% 4 426+43%       -2 801+19% 4 719-2% -941-3% 3 612-6%    
2024 q3 14 703+61% -8 051+75% 6 653+47% -2 508>+200% 4 145+5% 4 780+30% 11 432+39% -335+2% 4 445+33%       -2 826+14% 5 769+19% -1 156-5% 2 522-30%    
2024 q2 13 211+65% -6 947+78% 6 264+53% -1 945>+200% 4 319+23% 4 326+25% 10 590+40% -487+91% 3 839+20%       -2 696+26% 5 464+20% -1 087+25% 4 378+18%    
2024 q1 11 817+52% -6 109+63% 5 709+42% -745+56% 4 964+40% 3 494 9 203+129% -328 3 166       -2 618+23% 5 514+26% -1 116+28% 4 398+26%    
2023 q4 9 299+32% -4 726+34% 4 573+29% -642+66% 3 931+24% 3 363+25% 9 668+172% -264+45% 3 100+24%       -2 354+19% 4 803+26% -966+27% 3 837+26%    
2023 q3 9 130+29% -4 600+31% 4 530+28% -570+48% 3 960+25% 3 677 8 207+131% -329 3 348       -2 477+25% 4 839+27% -1 221+61% 3 618+19%    
2023 q2 8 003+22% -3 907+16% 4 097+29% -594+197% 3 503+17% 3 463 7 560+137% -254 3 209 0-87% 2 958+27%   -2 141+6% 4 572+32% -872+25% 3 700+34% 3 502+27% 0-87%
2023 q1 7 759+19% -3 745+11% 4 015+26% -477+138% 3 538+19%   4 015+26%     0-87% 2 958+27%   -2 127+6% 4 372+26% -869+25% 3 503+27% 3 502+27% 0-87%
2022 q4 7 070+26% -3 518+42% 3 552+14% -386+147% 3 166+7% 2 691 3 552+14% -182 2 509 1<-100% 2 564+15%   -1 978-1% 3 801+18% -759+14% 3 042+19% 3 041+19% 1<-100%
2022 q3 7 070+45% -3 518+72% 3 552+25% -386<-100% 3 166+11%   3 552+25%     1<-100% 2 564+44%   -1 978+14% 3 801+31% -759+28% 3 042+32% 3 041+32% 1<-100%
2022 q2 6 544+49% -3 360+91% 3 185+21% -200+47% 2 985+20%   3 185+21%     3+158% 2 337+62%   -2 015+39% 3 462+37% -698+34% 2 764+38% 2 762+38% 2+155%
2022 q1 6 544+70% -3 360+123% 3 185+36% -200<-100% 2 985+27%   3 185+36%     3<-100% 2 337+79%   -2 015+47% 3 462+53% -698+57% 2 764+52% 2 762+52% 2<-100%
2021 q4 5 602+44% -2 477+75% 3 124+27% -156+2% 2 968+28%   3 124+27%     -1<-100% 2 238+79%   -1 994+26% 3 211+57% -664+65% 2 547+55% 2 548+55% -1<-100%
2021 q3 4 891+38% -2 050+55% 2 841+29% 9-95% 2 850+20%   2 841+29%     0<-100% 1 785+55%   -1 734+37% 2 899+28% -592+27% 2 307+28% 2 307+28% 0<-100%
2021 q2 4 386+27% -1 755+29% 2 631+26% -136<-100% 2 495+11%   2 631+26%     1>+200% 1 441+64%   -1 446+36% 2 524+24% -519+25% 2 005+23% 2 004+23% 1>+200%
2021 q1 3 857+13% -1 507+14% 2 350+12% 1<-100% 2 351+51%   2 350+12%     -2+113% 1 305+43%   -1 366+14% 2 257+85% -444+75% 1 814+87% 1 815+87% -2+116%
2020 q4 3 886+21% -1 416+11% 2 469+28% -152>+200% 2 317+22%   2 469+28%     1>+200% 1 248+123%   -1 577+70% 2 044+36% -402+30% 1 643+38% 1 642+38% 1>+200%
2020 q3 3 532+9% -1 3240% 2 207+15% 175<-100% 2 382+30%   2 207+15%     0-81% 1 151+27%   -1 266+44% 2 270+24% -468+25% 1 803+23% 1 803+23% 0-81%
2020 q2 3 444+17% -1 363+16% 2 081+18% 160<-100% 2 241+35%   2 081+18%     0<-100% 880+95%   -1 063+22% 2 044+67% -414+66% 1 629+67% 1 629+67% 0<-100%
2020 q1 3 425+16% -1 325+13% 2 100+19% -546 1 553   2 100+19%     -1-12% 910+102%   -1 204+38% 1 2230% -254+2% 969-1% 970-1% -1-13%
2019 q4 3 200+26% -1 271+30% 1 928+23% -29+14% 1 899+23%   1 928+23%     0>+200% 559+42%   -927+9% 1 502+41% -308+41% 1 194+41% 1 194+41% 0>+200%
2019 q3 3 235+24% -1 323+27% 1 912+22% -79+36% 1 833+22%   1 912+22%     1<-100% 903+137%   -881+15% 1 837+65% -374+65% 1 463+65% 1 463+65% 0<-100%
2019 q2 2 940+29% -1 177+32% 1 764+27% -107+179% 1 657+23%   1 764+27%     -1<-100% 450+37%   -872+10% 1 225+38% -250+39% 975+38% 976+39% -1<-100%
2019 q1 2 940+29% -1 177+32% 1 764+27%       1 764+27%     -1<-100% 450+37%   -872+10% 1 225+38% -250+39% 975+38% 976+39% -1<-100%
2018 q4 2 543+27% -978+22% 1 564+30% -25-28% 1 539+32%   1 564+30%     0-96% 393+36%   -849-2% 1 067+79% -218+72% 849+81% 849+81% 0-96%
2018 q3 2 604+31% -1 043+23% 1 561+36% -58+22% 1 503+37%   1 561+36%     -1>+200% 382+6%   -768+17% 1 115+39% -227+38% 889+39% 889+39% 0>+200%
2018 q2 2 280+21% -892+20% 1 388+21% -38+18% 1 350+22%   1 388+21%     0-81% 327+22%   -796+20% 884+23% -180+18% 704+25% 704+25% 0-81%
2018 q1 2 280+21% -892+20% 1 388+21% -38+182% 1 350+20%   1 388+21%     0-81% 327+22%   -796+20% 884+23% -180+18% 704+25% 704+25% 0-81%
2017 q4 2 001 -799 1 202 -35 1 169   1 202     0 289   -870 597 -127 470 470 0
2017 q3 1 989+26% -845+61% 1 144+9% -48<-100% 1 0970%   1 144+9%     0-71% 360+17%   -657+38% 805-13% -165-25% 640-10% 640-10% 0-69%
2017 q2 1 884+14% -741+19% 1 143+12% -32-17% 1 111+8%   1 143+12%     1<-100% 269+25%   -664+35% 7170% -153+10% 564-2% 563-2% 1<-100%
2017 q1 1 884 -741 1 143 -14 1 124   1 143     1 269   -664 717 -153 564 563 1
2016 q4                                    
2016 q3 1 578 -526 1 052 42 1 094   1 052     0 308   -475 928 -220 708 708 0
2016 q2 1 652 -623 1 022 -39 1 029   1 022     -2 215   -490 713 -139 574 576 -2


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3 46 898-13% 228 919-25% 183 231-30%    
2025 q2 ( 12520 , 12526 ) 46 163-10% 256 216-13% 201 852-21%    
2025 q1 50 769 285 668 227 541    
2024 q4 50 616+13% 302 076+14% 255 937+11%    
2024 q3 53 954 305 759 260 880    
2024 q2 51 256+31% 295 566+35% 256 734+39%    
2024 q1          
2023 q4 44 686+32% 264 706+40% 229 661+40%    
2023 q3          
2023 q2 39 067+33% 218 855+26% 184 922+23%    
2023 q1          
2022 q4 33 820+29% 189 293+11% 164 207+14%    
2022 q3          
2022 q2 29 272+46% 173 874+38% 150 454+33%    
2022 q1          
2021 q4 26 133+52% 170 984+73% 144 591+61%    
2021 q3 23 421+51% 146 175+68% 127 393+62%    
2021 q2 20 088+30% 126 069+55% 112 824    
2021 q1 17 915 109 454 98 137    
2020 q4 17 138+23% 99 069+25% 89 747+25%    
2020 q3 15 483+24% 87 129+22% 78 547+18%    
2020 q2 15 478+40% 81 347+19%      
2020 q1          
2019 q4 13 931+27% 79 421+29% 71 563+26%    
2019 q3 12 518+25% 71 499+24% 66 329+32%    
2019 q2 11 054+5% 68 498+36% 62 169+34%    
2019 q1          
2018 q4 10 988+20% 61 716+39% 56 627+40%    
2018 q3 9 994+12% 57 432+42% 50 087+43%    
2018 q2 10 514+27% 50 353+21% 46 417+44%    
2018 q1          
2017 q4 9 127 44 503 40 551    
2017 q3 8 908 40 564 35 091    
2017 q2 8 268 41 720 32 325    
2017 q1          
2016 q4          
2016 q3          
2016 q2          


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2025 q3 21 847>+200% -18-55% -27 216<-100%
2025 q2 ( 12520 , 12526 ) 26 937<-100% -34-83% -29 231<-100%
2025 q1 24 341<-100% -49-26% -17 840<-100%
2024 q4 8 059<-100% -60+73% -8 202<-100%
2024 q3 1 687 -39 2 268-84%
2024 q2 -12 245+54% -197>+200% 14 545+31%
2024 q1 -7 444-7% -66+22% 5 928-47%
2023 q4 -14 908>+200% -34>+200% 14 374>+200%
2023 q3     14 374>+200%
2023 q2 -7 974<-100% -54<-100% 11 126<-100%
2023 q1 -7 974<-100% -54<-100% 11 126<-100%
2022 q4 -1 254-93% -5-94% 1 695-92%
2022 q3 -1 254-90% -5-77% 1 695-90%
2022 q2 600<-100% 23<-100% -373<-100%
2022 q1 600<-100% 23<-100% -373<-100%
2021 q4 -17 131+53% -89-25% 20 176+95%
2021 q3 -12 640+149% -23>+200% 16 343>+200%
2021 q2 -14 961<-100% -20-34% 14 133<-100%
2021 q1 -7 465>+200% -4-89% 7 723>+200%
2020 q4 -11 202>+200% -119>+200% 10 354>+200%
2020 q3 -5 075+172% -3-98% 3 224+108%
2020 q2 3 582<-100% -30-87% -915<-100%
2020 q1 -326-83% -33-85% 346-83%
2019 q4 -2 407-39% -13-71% 3 355-3%
2019 q3 -1 866-14% -147>+200% 1 547-60%
2019 q2 -1 972+3% -222>+200% 2 075-1%
2019 q1 -1 972+3% -222>+200% 2 075-1%
2018 q4 -3 933+8% -46+106% 3 442+156%
2018 q3 -2 178+29% -33+152% 3 875<-100%
2018 q2 -1 924+11% -48>+200% 2 093+94%
2018 q1 -1 924+11% -48>+200% 2 093+94%
2017 q4 -3 649 -22 1 346>+200%
2017 q3 -1 689 -13 -666
2017 q2 -1 739<-100% -14-1% 1 080<-100%
2017 q1 -1 739 -14 1 080
2016 q4     10
2016 q3      
2016 q2 4 088 -14 -3 847
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 ( 14783 , 14786 ) 14 555-14% -650<-100%
2025 q2 15 279-1% 1 370-76%
2025 q1 16 640+23% 287-90%
2024 q4 18 024+41% 1 990-33%
2024 q3 16 985+53% 4 458-34%
2024 q2 15 362+51% 5 758+13%
2024 q1 13 557+53% 2 867+53%
2023 q4 12 789+71% 2 980+63%
2023 q3 ( 7793 , 7794 ) 11 066+23% 6 791>+200%
2023 q2 10 156+21% 5 091+98%
2023 q1 8 883+9% 1 873+9%
2022 q4 7 466-34% 1 828-25%
2022 q3 8 990>+200% 2 072+68%
2022 q2 8 382+50% 2 575+107%
2022 q1 8 143+66% 1 725+35%
2021 q4 11 278+19% 2 422-21%
2021 q3 1 179-86% 1 234+49%
2021 q2 5 595-30% 1 247+53%
2021 q1 4 910-40% 1 275+44%
2020 q4 9 471+13% 3 082+160%
2020 q3 8 193+11% 826-3%
2020 q2 8 031+17% 817-66%
2020 q1 8 121+24% 886-7%
2019 q4 8 368+27% 1 188-42%
2019 q3 7 406+30% 850+50%
2019 q2 6 839+29% 2 399>+200%
2019 q1 6 524+32% 957>+200%
2018 q4 6 594+39% 2 040>+200%
2018 q3 5 688+29% 568-17%
2018 q2 5 306>+200% 151>+200%
2018 q1 4 931 308
2017 q4 4 757 165
2017 q3 4 395 683
2017 q2 7 2


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3 ( 14783 , 14786 ) 40 060-14% 219 057-26%      
2025 q2 40 710-3% 247 904-13%      
2025 q1 42 820 275 458      
2024 q4 42 533 291 661      
2024 q3 46 543 294 380      
2024 q2 42 084+15% 284 884+11%      
2024 q1          
2023 q4          
2023 q3 ( 7793 , 7794 )          
2023 q2 36 459 255 673      
2023 q1          
2022 q4          
2022 q3          
2022 q2          
2022 q1          
2021 q4          
2021 q3          
2021 q2          
2021 q1          
2020 q4          
2020 q3          
2020 q2          
2020 q1          
2019 q4          
2019 q3          
2019 q2          
2019 q1          
2018 q4          
2018 q3          
2018 q2          
2018 q1          
2017 q4          
2017 q3          
2017 q2          
More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company