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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
  • Good financial results growth rate 39.9% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (63.0%)
  • Dividend yield for the last twelve months 1.5%
  • Share price is 226.1% higher than minimum and 31.1% lower than maximum for the last 3 years
  • The company is undervalued by P/E LTM multiple compared to target level (3.0x vs
    )
  • Fundamental value created in LTM (estimate)
  • Taking into account the impact of the key rate 21% on the change in financial parameters: EBITDA adjustment is 52 mln rub as NetDebt * (current key rate - normalized 7%) / 2, expected EBITDA adjusted for key rate increases is 24 668 mln rub, expected mult is 2.7x, target mult is 5.2x, potential is +89.3%

Key Financials (Download financials)

Ticker: SFIN
Share price, RUB:  (-0.1%)1360
year average price 1373.32  


year start price 840.80 2024-01-17

min close price 840.80 2024-01-17

max close price 1975.00 2024-03-18

current price 1364.00 2025-01-15
Common stocks: 50 240 000
Dividend Yield:  1.5%
P / E LTM: 3.0x
P / E annualized: 6.5x
Last revenue growth (y/y):  62.0%
Last growth of Net Income (y/y):  17.7%
Historical revenue growth:  36.7%
Historical growth of Net Income:  89.3%
Target P/E (hist percentile):
Express share price potential:
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside+71.1%
 FCF Creation0.0%
 Growth+39.9%
 Growth Corr-23.1%
 
 Sum+87.8%
P/E mutiple calculation
Market Cap (m RUB): 68 326
Net Profit (m RUB): 22 416
P / E LTM: 3.0x
Average daily trading volume for the week, RUB mln: 231
P / E 3.7x

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

More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company