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General information

  • Good financial results growth rate 21.1% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (34.4%)
  • Dividend yield for the last twelve months 6.8%
  • Share price is 24.3% higher than minimum and 49.6% lower than maximum for the last 3 years
  • The company is overvalued by P/E LTM multiple compared to target level (4.6x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: MBNK
Share price, RUB:  (-0.1%)1322.5
year average price 1326.84  


year start price 1338.50 2025-01-01

max close price 1695.00 2025-03-19

min close price 1135.00 2025-10-15

current price 1322.50 2025-12-31
Common stocks: 34 736 842
Dividend Yield:  6.8%
P / E LTM: 4.6x
P / E annualized: 1.9x
Last revenue growth (y/y):  -4.5%
Last growth of Net Income (y/y):  46.6%
Historical revenue growth:  20.8%
Historical growth of Net Income:  48.0%
Target P/E (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside-5.6%
 FCF Creation0.0%
 Growth+21.1%
 Growth Corr-13.3%
 
 Sum+2.2%
P/E mutiple calculation
Market Cap (m RUB): 45 939
Net Profit (m RUB): 9 979
P / E LTM: 4.6x
Average daily trading volume for the week, RUB mln: 40
P / E 4.6x
P / E ann-d1.9x
P / B 0.4x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 23.4%
ROA (Return on assets) 3.0%
CIR (Cost/income ratio) -172.9%

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

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 36 474+56% -24 443+103% 12 031+7% -6 544-16% 5 487+58% 6 095-21% 18 126-4% -2 067-12% 4 028-25% 2 324+92%     -6 141-2% 7 326+54% -1 327+99% 5 999+47% 4 096+34% 1 903+83%
2025 q2 35 000+59% -24 319+126% 10 681-4% -5 979-14% 4 968+10% 5 913-31% 16 594-16% -2 119-5% 3 794-40% -345-49%     -5 627-14% 3 942-12% -1 447+144% 2 495-36% 2 713-40% -218-62%
2025 q1 27 581+36% -18 914+79% 8 667-10% -4 995-46% 1 879+120% 5 886-33% 14 553-21% -1 899-10% 3 987-40% -2 115<-100%     -4 644-13% 2 108-49% -1 136>+200% 972-75% 1 947-19% -975<-100%
2024 q4 25 710-25% -16 245+69% 9 465-62% -9 799-56% 1 154-80% 6 991-70% 16 456-65% -2 141-69% 679-95% 1 580-49%     -3 656-35% -418<-100% 931<-100% 513-94% -1 140<-100% 1 653-39%
2024 q3 23 334<-100% -12 065>+200% 11 269<-100% -7 792<-100% 3 477<-100% 7 706<-100% 18 975<-100% -2 362<-100% 5 344<-100% 1 212<-100%     -6 269 4 759<-100% -668>+200% 4 091<-100% 3 049<-100% 1 042<-100%
2024 q2 ( 8959 , 9222 ) 21 952+62% -10 778+154% 11 174+20% -6 978-7% 4 499+58% 8 584+26% 19 758+23% -2 235-7% 6 349+25% -670<-100%     -6 536+43% 4 501+34% -593+73% 3 908+30% 4 490+121% -582<-100%
2024 q1 20 232+61% -10 579+161% 9 653+17% -9 189+53% 854-63% 8 792+47% 18 445+29% -2 101+5% 6 691+28% 1 570+109%     -5 322+22% 4 113+30% -248-20% 3 865+35% 2 390+9% 1 475+117%
2023 q4 ( 7941 , 9221 ) 34 205>+200% -9 591+103% 24 614>+200% -22 170>+200% 5 878<-100% 23 083>+200% 47 698>+200% -6 986>+200% 14 382>+200% 3 114>+200%     -5 596+39% 9 607>+200% -1 237>+200% 8 370>+200% 5 660<-100% 2 711>+200%
2023 q3 -2 717<-100% -3 781-20% -6 295<-100% 5 683<-100% -1 024+122% -5 074<-100% -11 369<-100% 2 059<-100% -3 235<-100% -630<-100%       -1 768<-100% -17-92% -1 785<-100% -1 170+178% -615<-100%
2023 q2 13 5160% -4 2360% 9 2800% -7 4860% 2 8470% 6 8080% 16 0880% -2 4140% 5 0720% 1 0870%     -4 5710% 3 3480% -3420% 3 0060% 2 0300% 9760%
2023 q1 12 535 -4 049 8 283 -5 990 2 330 5 972 14 255 -2 007 5 219 753     -4 374 3 175 -309 2 866 2 187 680
2022 q4 9 832+22% -4 732+74% 5 100-5% -5 596+25% -461<-100% 4 963-11% 10 063-8% -1 497-22% 4 776+29% 726<-100%     -4 012-13% 304-1% -209+57% 95-98% -420<-100% 515<-100%
2022 q3 9 832+33% -4 732+105% 5 100-28% -5 596+84% -461<-100% 4 963-4% 10 063-18% -1 497-18% 4 776+48% 726<-100%     -4 012+18% 304-85% -209-30% 95-17% -420<-100% 515+100%
2022 q2 13 516+112% -4 236+151% 9 280+98% -7 486>+200% 2 847+15% 6 808+31% 16 088+63% -2 414+52% 5 072+37% 1 087<-100%     -4 571+29% 3 348+37% -342-36% 3 006<-100% 2 030 976
2021 q4 8 092+45% -2 727+90% 5 365+30% -4 463+86% 1 245-44% 5 550+49% 10 915+39% -1 915+41% 3 692+110% -468>+200%     -4 629+47% 308-63% -133<-100% 5 308>+200% 1 922+140% -152<-100%
2021 q3 7 396+33% -2 308+18% 7 083+30% -3 042+83% 3 853-9% 5 192+59% 12 275+41% -1 819+25% 3 221+87% -53<-100% 50-57%   -3 389+30% 2 036+68% -299+106% 114<-100% 0<-100% 0<-100%
2021 q2 6 373+14% -1 684-14% 4 688+30% -2 206-49% 2 483<-100% 5 207+104% 9 896+60% -1 593+28% 3 701+165% -29-35% 52-43%   -3 542+41% 2 451<-100% -536>+200% -113<-100%    
2021 q1 5 4970% -1 360-29% 2 143+21% -1 840+2% 303<-100% 4 386+51% 6 529+40% -1 772+32% 2 636+82% 6-96% 77-20%   -3 256+11% 1 523>+200% -42 -1-80%    
2020 q4 5 573 -1 432 4 141 -2 402 2 231 3 729 7 870 -1 362 1 757 -113 -158   -3 149 839 88 823 801 22
2020 q3 5 5760% -1 951+17% 5 455+40% -1 659>+200% 4 243+12% 3 2730% 8 727+22% -1 4570% 1 7190% 41-9% 1160%   -2 606-10% 1 2100% -145+160% -410<-100% -113<-100% 2>+200%
2020 q2 5 574+26% -1 959+12% 3 615+35% -4 306>+200% -691<-100% 2 553+5% 6 168+21% -1 241-7% 1 398+13% -44-7% 91+85%   -2 513-9% -1 456<-100% -64>+200% 418+97% 103-60% 11<-100%
2020 q1 5 513 -1 913 1 772 -1 797 -25 2 906 4 677 -1 342 1 446 155 96   -2 920 298   -4 1 1
2019 q4                                    
2019 q3 5 576 -1 668 3 908 -129 3 779 3 273 7 181 -1 457 1 719 45 116   -2 888 1 210 -56 1 1 0
2019 q2 4 419 -1 750 2 669 -898 1 771 2 433 5 102 -1 334 1 241 -47 49   -2 774 210 -8 213 261 -48


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3 102 738+11% 789 147+42% 343 554-14% 296 217>+200% 463 239+23%
2025 q2 93 532+5% 752 490+56% 360 572-2% 282 748>+200% 450 224+35%
2025 q1 93 737+25% 627 881+29% 370 830+3% 124 722>+200% 371 407+7%
2024 q4 92 935+30% 602 464+25% 385 805+11% 78 786+164% 359 582+8%
2024 q3 92 597 554 958 398 294+15% 67 051+27% 377 683+14%
2024 q2 ( 8959 , 9222 ) 89 417-11% 483 5290% 369 734+6% 48 441-9% 332 5350%
2024 q1 75 080 486 663 361 719+4% 37 172-30% 347 246+5%
2023 q4 ( 7941 , 9221 ) 71 292+20% 480 117+34% 347 740+44% 29 810+15% 332 051+29%
2023 q3     347 740+44% 52 997+22% 332 051+29%
2023 q2 100 417 483 529 347 7400% 52 9970% 332 0510%
2023 q1     347 740 52 997 332 051
2022 q4 59 347+30% 357 001+24% 241 504+11% 25 896-23% 257 470+29%
2022 q3     241 504+25% 43 410+43% 257 470+36%
2022 q2     347 740+104% 52 997+73% 332 051+116%
2021 q4 45 655+56% 288 250+33% 218 362+68% 33 656+7% 200 168+34%
2021 q3 45 711+59% 258 535+27% 192 548+62% 30 457-12% 188 647+33%
2021 q2 36 374+32% 231 092+8% 170 665+55% 30 590-11% 153 807-11%
2021 q1 30 696 204 235 143 132+10% 31 932-17% 145 398-3%
2020 q4 29 215 216 765 129 862+21% 31 408-13% 149 739+16%
2020 q3 28 705 203 019 119 155+11% 34 808-4% 141 773+10%
2020 q2 27 551 214 903 110 204+3% 34 215-5% 173 259+34%
2020 q1     129 862 38 247 149 739
2019 q4     107 438 36 156 129 097
2019 q3     107 438 36 156 129 097
2019 q2     107 438 36 156 129 097


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2025 q3      
2025 q2      
2025 q1      
2024 q4      
2024 q3      
2024 q2 ( 8959 , 9222 )      
2024 q1      
2023 q4 ( 7941 , 9221 )      
2023 q3      
2023 q2      
2023 q1      
2022 q4      
2022 q3      
2022 q2      
2021 q4      
2021 q3 -3 188-87% 238-71%  
2021 q2 -8 243<-100% -432<-100% 8 696<-100%
2021 q1 -25 891<-100% -432<-100% -50<-100%
2020 q4 4 523<-100% 2 565-16% -490<-100%
2020 q3 -24 247 825-78% -788<-100%
2020 q2 18 415>+200% 137-97% -455<-100%
2020 q1 3 287 137 4 873
2019 q4 -780 3 044 1 879
2019 q3   3 725 981
2019 q2 749 5 387 1 571
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    
2024 q4    
2024 q3    
2023 q4    
2023 q3    


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3          
2024 q4 -1 036        
2024 q3          
2023 q4          
2023 q3          
More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company