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General information

SFI is an investment holding that provides leasing, insurance and financial services to companies in Russia. As of October 2023, SFI owns 100% of shares of the leasing company Europlan, 49% of the insurance company VSK, 51% of the gaming service GFN.RU, and has investments in M.Video
  • Bad financial results growth rate -28.4% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (48.3%)
  • Dividend yield for the last twelve months 28.6%
  • Share price is 143.1% higher than minimum and 45.0% lower than maximum for the last 3 years
  • The company is overvalued by P/E LTM multiple compared to target level (3.9x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: SFIN
Share price, RUB:  (+0.1%)1086
year average price 1326.70  


year start price 1343.20 2024-10-25

max close price 1643.60 2025-02-21

min close price 1011.20 2025-09-29

current price 1086.00 2025-10-24
Common stocks: 50 240 000
Dividend Yield:  28.6%
P / E LTM: 3.9x
P / E annualized: 5.5x
Last revenue growth (y/y):  1.3%
Last growth of Net Income (y/y):  -58.0%
Historical revenue growth:  39.9%
Historical growth of Net Income:  56.7%
Target P/E (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside-4.7%
 FCF Creation0.0%
 Growth-28.4%
 Growth Corr-76.7%
 
 Sum-109.7%
P/E mutiple calculation
Market Cap (m RUB): 54 561
Net Profit (m RUB): 13 898
P / E LTM: 3.9x
Average daily trading volume for the week, RUB mln: 148
P / E 3.7x
P / E ann-d5.4x
P / B 0.5x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 10.1%
ROA (Return on assets) 3.3%

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 SFIN-12.25 SHZ5 2025-12-19 1097.00 +1.0% 4.5 1086 +1.0% +6.8%
Фьючерсный контракт SFIN-3.26 SHH6 2026-03-20 1046.80 +1.3% 0.7 1086 -3.6% -8.7%
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 q2 12 652+1% -8 910+23% 6 213-9% -5 228+145% 985-79% 693+20% 6 905-7% -443-9% 250+174% -46+43% -2 439>+200%   -2 077-10% 2 827-59% -301-77% 2 527-55% 2 568-54% -41+57%
2025 q1 16 243+35% -9 344+46% 6 899+22% -5 319>+200% 1 581-68% 466+56% 7 366+24% -421+28% 45<-100% -158<-100% -1 182+52%   -2 079-2% 3 612-62%   4 703-42% 4 909-40% -205<-100%
2024 q4 11 055+35% -8 877+77% 8 031+79% -2 540>+200% 5 491+44% -7 207>+200% 824-68% -666-15% -7 873>+200% 104>+200% -2 545<-100%   -2 266+16% 5 1800% -1 630+63% 3 550-15% 3 455-17% 96>+200%
2024 q3 16 264+71% -8 349+68% 7 915+74% -2 589+197% 5 326+44% 4 795+28% 12 710+53% -64-80% 4 731+38% 92>+200% -1 498+101%   -2 282+14% 7 285-3% -3 162+75% 4 123-28% 4 071-29% 52>+200%
2024 q2 12 494+62% -7 217+71% 6 857+75% -2 137+193% 4 719+48% 578-84% 7 4350% -487+89% 91-97% -32<-100% -777+55%   -2 303+22% 6 912+16% -1 297+35% 5 616+12% 5 642+13% -26<-100%
2024 q1 12 067+53% -6 404+57% 5 663+49% -669+24% 4 993+53% 299>+200% 5 962+54% -328 -29<-100% 0-98% -778<-100%   -2 112+15% 9 511+43% -1 397+19% 8 114+48% 8 114+49% 0-98%
2023 q4 8 209+14% -5 029+29% 4 488+36% -670-25% 3 817+58% -1 749<-100% 2 580-23% -784 -2 533<-100% 1-81% 4 283+127%   -1 955+13% 5 179+163% -1 003 4 176+108% 4 175+109% 1-80%
2023 q3 9 530+33% -4 969+28% 4 561+38% -871-2% 3 690+53% 3 747>+200% 8 308+147% -327 3 420>+200% 7+20% -747<-100%   -1 999+15% 7 534>+200% -1 811 5 723+185% 5 718+186% 5+22%
2023 q2 7 708+15% -4 231+13% 3 914+33% -730<-100% 3 184+1% 3 520>+200% 7 434+148% -258 3 262>+200% 10<-100% -500<-100%   -1 882+10% 5 957>+200% -963>+200% 4 993>+200% 4 985>+200% 8<-100%
2023 q1 7 891+18% -4 081+9% 3 810+30% -539<-100% 3 271+4% 69+11% 3 880+29%   69+11% 11<-100% 2 293+27%   -1 829+7% 6 637>+200% -1 171>+200% 5 467>+200% 5 457>+200% 9<-100%
2022 q4 7 192+44% -3 886+59% 3 306+30% -889+110% 2 418+14% 62+42% 3 368+30%   62+42% 6>+200% 1 888+62%   -1 737+15% 1 970+68%   2 005+158% 2 001+158% 4>+200%
2022 q3 7 192+44% -3 886+59% 3 306+30% -889+110% 2 418+14% 62+42% 3 368+30%   62+42% 6>+200% 1 888+62%   -1 737+15% 1 970+68%   2 005+158% 2 001+158% 4>+200%
2022 q2 6 675+60% -3 738+81% 2 938+39% 209<-100% 3 147+51% 62 3 000+42%   62 -7<-100% 1 803+113%   -1 705+49% 139-92% -93-84% 45-96% 47-96% -2<-100%
2022 q1 6 675+60% -3 738+81% 2 938+39% 209<-100% 3 147+50% 62 3 000+42%   62 -7<-100% 1 803+135%   -1 705+8% 139-92% -93-84% 45-96% 47-96% -2<-100%
2021 q4 4 987-65% -2 445-64% 2 543-67% -422+68% 2 120-71% 44 2 601   44 0<-100% 1 169-49%   -1 508-63% 1 171<-100% -394<-100% 777<-100% 777-92% 0<-100%
2021 q3 4 987 -2 445 2 543 -422 2 120 44 2 601   44 0<-100% 1 169   -1 508 1 171<-100% -394<-100% 777<-100% 777 0
2021 q2 4 169+19% -2 061+24% 2 109+16% -19-90% 2 090+28%   2 109+16%     4-96% 846+87%   -1 145-13% 1 653-28% -589-12% 1 064-34% 1 061-32% 3-96%
2021 q1 4 173+20% -2 062+24% 2 111+16% -19-90% 2 093+28%   2 111-47%     4-96% 766+136%   -1 576+10% 1 707+111% -603-18% 1 104-39% 1 101-32% 3-99%
2020 q4 14 425>+200% -6 789>+200% 7 636>+200% -251>+200% 7 385>+200%         -31-25% 2 281>+200%   -4 112+164% -4 671<-100% 223<-100% -5 029<-100% 9 286>+200% 154<-100%
2020 q3                   -31-25%       -4 671<-100% 223<-100% -5 029<-100%    
2020 q2 3 490+15% -1 665+44% 1 825-3% -193+88% 1 632-8% 2 126-11% 1 825-57% -2 126-11% 00% 94<-100% 453+114%   -1 314-16% 2 291>+200% -673+27% 1 618-45% 1 552-57% 66<-100%
2020 q1 3 490+16% -1 665+44% 1 825-3% -188+83% 1 636-8% 2 126-11% 3 951-8% -2 126-11% 00% 94<-100% 325+53%   -1 434-8% 809-77% -734+38% 1 819-38% 1 608-47% 210<-100%
2019 q4 3 328+23% -1 274+31% 2 041+16% -43>+200% 1 997+15%   1 242-30%     -41<-100% 261-25%   -1 557+45% 2 679+13% -570+23% 2 109+10% 2 141+21% -32<-100%
2019 q3 3 328+23% -1 274+31% 2 041+16% -43>+200% 1 997+15%   1 242-30%     -41<-100% 261-25%   -1 557+45% 2 679+13% -570+23% 2 109+10% 2 141+21% -32<-100%
2019 q2 3 045+24% -1 160+34% 1 886+12% -103<-100% 1 783-1% 2 397+35% 4 282+24% -2 397+35% 00% -100<-100% 212-38%   -1 555+60% 442-88% -532-16% 2 922-9% 3 581+29% -660<-100%
2019 q1 3 006+12% -1 160+34% 1 886+12% -103>+200% 1 783-1% 2 397 4 282+154% -2 397 0 -100<-100% 212+3%   -1 555+60% 3 453-10% -532-16% 2 922-9% 3 006+13% -85<-100%
2018 q4 2 709+20% -972+36% 1 763+15% -11+77% 1 737+13%   1 763+15%     174+2% 350+80%   -1 072+13% 2 377-9% -465+155% 1 912-22% 1 774-23% 137+2%
2018 q3 2 709+11% -972+27% 1 763+6% -11-38% 1 737+6%   1 763+6%     174<-100% 350+41%   -1 072+36% 2 377+95% -465+66% 1 912+103% 1 774+57% 137<-100%
2018 q2 2 448+14% -868+29% 1 688+14% 122<-100% 1 810+24% 1 774 3 461+135% -1 774 0 503>+200% 341+20%   -974+26% 3 828+50% -631+8% 3 197+63% 2 777+41% 420>+200%
2018 q1 2 677+14% -868+22% 1 688+3% -12-38% 1 809+13%   1 688+3%     650>+200% 206-23%   -974+13% 3 828+16% -631-25% 3 197+31% 2 654+9% 543>+200%
2017 q4 2 255+18% -716-11% 1 539+36% -6<-100% 1 533+36%   1 539+36%     170>+200% 195<-100%   -947+112% 2 623+84% -182-22% 2 441+104% 2 306+93% 135>+200%
2017 q3 2 433+50% -768+46% 1 666+54% -18<-100% 1 633+49%   1 666+54%     -247<-100% 248-37%   -790+62% 1 221+19% -281+17% 941+19% 1 131+43% -190<-100%
2017 q2 2 148+36% -673+24% 1 475+43% -14-62% 1 456+40%   1 475+43%     1<-100% 285-20%   -773+70% 2 550+183% -585>+200% 1 965+172% 1 964+172% 1<-100%
2017 q1 2 351+33% -712+1% 1 640+53% -20-40% 1 599+54%   1 640+53%     4<-100% 266-36%   -864+21% 3 288>+200% -846>+200% 2 442>+200% 2 439>+200% 3<-100%
2016 q4 1 912+2% -804-4% 1 129+9% 31+42% 1 130+8%   1 129+9%     3-98% -150-28%   -446>+200% 1 427+64% -232+16% 1 195+78% 1 193+114% 3-98%
2016 q3 1 625-11% -526-36% 1 084+9% 27<-100% 1 099+14%   1 084+9%     1-79% 393+39%   -488-27% 1 030+77% -240+103% 790+70% 790+71% 0-80%
2016 q2 1 581-15% -544-41% 1 032+9% -36>+200% 1 038+10%   1 032+9%     -1<-100% 354+7%   -454-32% 901+36% -178+37% 722+36% 723+49% -1<-100%
2016 q1 1 775-11% -702-27% 1 073+4% -33-48% 1 040+7%   1 073+4%     0<-100% 418+36%   -712-12% 746+106% -144+60% 602+121% 603+68% 0<-100%
2015 q4 1 880 -840 1 039 22 1 043   1 039     152 -208   -37 873+61% -200 673 558+46% 115>+200%
2015 q3 1 819 -826 994 -26 967   994     3 282   -670 582 -119 464 462 2
2015 q2 ( 7403 , 7404 ) 1 866-17% -9160% 950-28% -9-96% 940-11%   950-28%     59<-100% 331+70%   -668-22% 663 -130+45% 532+89% 485 47
2015 q1 1 995 -959 1 036 -63 973   1 036     -114 308   -805 363 -90 273 359 -86
2014 q4                           543     381 23
2014 q2 2 243 -920 1 323 -265 1 058   1 323     -29 195   -852   -90 282    


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q2 100 013-6% 310 434-14% 201 852-21% 1 895-55%  
2025 q1 104 799 339 919 227 541-11% 3 059-94%  
2024 q4          
2024 q3 110 316 371 732 260 880+14% 3 283-93%  
2024 q2 106 554+45% 362 387+36% 256 734+39% 4 246-49%  
2024 q1     255 937+38% 48 333-10%  
2023 q4 80 714+31% 311 974+36% 229 661+40% 7 536+32%  
2023 q3     229 661+40% 47 087-1%  
2023 q2 73 318+30% 265 918+25% 184 922+23% 8 306+29%  
2023 q1     184 922+23% 53 997+8%  
2022 q4 61 798+8% 229 878+6% 164 207+14% 5 728-57%  
2022 q3     164 207 47 442-13%  
2022 q2 56 531+5% 212 870+19% 150 454+33% 6 461-62%  
2022 q1     150 454+33% 50 142+13%  
2021 q4 56 977-7% 217 106-49% 144 588+61% 13 1870%  
2021 q3       54 764+180%  
2021 q2 53 884-23% 178 184-57% 112 820+57% 16 796-93%  
2021 q1     112 820+57% 44 369+125%  
2020 q4 61 233-31% 425 795-1% 89 747+25% 13 222-93%  
2020 q3     89 747+25% 19 576+8%  
2020 q2 70 286-19% 410 687+4% 71 934+16% 224 930+34%  
2020 q1     71 934+16% 19 741+25%  
2019 q4 88 296+6% 428 285+12% 71 563+26% 183 450-13%  
2019 q3     71 563+26% 18 160+49%  
2019 q2 86 270+5% 396 791-2% 62 169+10% 167 788>+200%  
2019 q1     62 169 15 757+58%  
2018 q4 83 466-1% 383 682+21% 56 627+40% 210 130+27%  
2018 q3     56 627+61% 12 213-94%  
2018 q2 82 4440% 406 016+31% 56 627+75% 12 213-93%  
2018 q1       9 954-25%  
2017 q4 84 568+8% 316 917+8% 40 551+48% 165 875+11%  
2017 q3 83 150>+200% 308 685 35 091+38% 192 476>+200%  
2017 q2 82 362>+200% 310 694>+200% 32 325+34% 172 986>+200%  
2017 q1     32 325+34% 13 285>+200%  
2016 q4 78 348>+200% 293 903>+200% 27 471+6% 150 110>+200%  
2016 q3 12 771   25 498-1% 11 208-17%  
2016 q2 11 981+31% 30 332-22% 24 159-15% 99-88%  
2016 q1 11 259 32 851 24 069-7% 0<-100%  
2015 q4 10 656 37 557 25 832-25% 96-99%  
2015 q3     25 832 13 496  
2015 q2 ( 7403 , 7404 ) 9 119 38 872 28 349-17% 841-87% 2 371-1%
2015 q1     25 832 13 496  
2014 q4     34 520 6 457 1 456
2014 q2     34 196 6 457 2 403


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2025 q2 28 376<-100% 819-78% -30 818<-100%
2025 q1 23 342<-100% -49<-100% -17 906<-100%
2024 q4 9 211<-100% -458<-100% -23 053<-100%
2024 q3 1 490<-100% -43<-100% 768-94%
2024 q2 -13 958+56% 3 807<-100% 16 184+33%
2024 q1 -7 619-15% 11 515<-100% 5 919-51%
2023 q4 -15 973>+200% 257>+200% 15 522>+200%
2023 q3 -13 338>+200% 247>+200% 13 590>+200%
2023 q2 -8 967<-100% -53<-100% 12 159<-100%
2023 q1 -8 967<-100% -53<-100% 12 159<-100%
2022 q4 -1 734-89% 29-99% 2 131-83%
2022 q3 -1 734-89% 29-99% 2 131-83%
2022 q2 489<-100% 125-99% -383<-100%
2022 q1 489<-100% 125-99% -383<-100%
2021 q4 -15 487+133% 4 456>+200% 12 285+115%
2021 q3 -15 487+133% 4 456>+200% 12 285+115%
2021 q2 -14 573<-100% 11 713>+200% 3 807<-100%
2021 q1 -14 498<-100% 11 639>+200% 3 807<-100%
2020 q4 -6 645>+200% 287<-100% 5 722>+200%
2020 q3 -6 645>+200% 287<-100% 5 722>+200%
2020 q2 4 007<-100% 395+176% -3 114<-100%
2020 q1 4 007<-100% 395+176% -3 114<-100%
2019 q4 -424-87% -31-98% 1 019-66%
2019 q3 -424-87% -31-98% 1 019-66%
2019 q2 -666<-100% 143<-100% 179<-100%
2019 q1 -666<-100% 143<-100% 179<-100%
2018 q4 -3 382-65% -1 977<-100% 3 023+106%
2018 q3 -3 382-77% -1 977<-100% 3 023>+200%
2018 q2 1 794<-100% -5 534+180% -620<-100%
2018 q1 1 757<-100% -5 534+180% -583<-100%
2017 q4 -9 740<-100% 859-97% 1 468-93%
2017 q3 -14 784>+200% 1 755<-100% 973-61%
2017 q2 -14 435<-100% -1 976>+200% 2 590<-100%
2017 q1 -14 435<-100% -1 976>+200% 2 590<-100%
2016 q4 6 426+19% 26 875<-100% 20 228<-100%
2016 q3 -2 841+28% -67>+200% 2 506-4%
2016 q2 1 456-61% -22+43% -2 690-33%
2016 q1 6 458+127% -6>+200% -5 004+45%
2015 q4 5 390>+200% -476>+200% -4 904<-100%
2015 q3 -2 228 -17 2 616
2015 q2 ( 7403 , 7404 ) 3 770 -16 -4 017
2015 q1 2 844 -2 -3 453
2014 q4 302 -26 58
2014 q2      
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 q2 -2 700<-100% 5 023+61%
2025 q1 10 110-25% 1 980-87%
2024 q4 ( 9439 , 9449 ) 6 010+125% 4 794>+200%
2024 q3 959-64% -457<-100%
2024 q2 11 764>+200% 3 121<-100%
2024 q1 13 459>+200% 15 012>+200%
2023 q4 2 668+194% 866<-100%
2023 q3 2 634-7% 2 349<-100%
2023 q2 232-84% -171<-100%
2023 q1 2 214>+200% 3 742<-100%
2022 q4 907 -2 750
2022 q3 ( 7397 , 7398 ) 2 832 -5 148
2022 q2 1 494 280
2022 q1 489 -194


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q2 32 956-50% 33 280-57%      
2025 q1 31 933 32 028      
2024 q4 ( 9439 , 9449 ) 29 953 30 976      
2024 q3 36 258 46 098      
2024 q2 66 112+31% 76 920+25%      
2024 q1          
2023 q4          
2023 q3          
2023 q2 50 279 61 357      
2023 q1          
2022 q4          
2022 q3 ( 7397 , 7398 )          
2022 q2          
2022 q1          
More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company