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General information

Leading neo-bank (+broker) with great current and historical financials growth rates
  • Good financial results growth rate 54.0% (average between last period year over year growth for revenue and Net Income), there is acceleration compared to average historical growth rates (50.4%)
  • Dividend yield for the last twelve months 3.1%
  • Share price is 45.5% higher than minimum and 15.6% lower than maximum for the last 3 years
  • The company is undervalued by P/E LTM multiple compared to target level (5.4x vs
    )
  • Fundamental value created in LTM (estimate)
  • Taking into account the impact of the key rate 17.0% on the change in financial parameters: EBITDA adjustment is -404 mln rub as NetDebt * (current key rate - normalized 7%) / 2, expected EBITDA adjusted for key rate increases is 182 518 mln rub, expected mult is 4.7x, target mult is 6.4x, potential is +36.1%

Key Financials (Download financials)

Ticker: T
Share price, RUB:  (+0.7%)3175.8
year average price 3000  


year start price 2443 2024-09-18

min close price 2182 2024-12-16

max close price 3639 2025-03-19

current price 3176 2025-09-17
Common stocks: 268 310 000
Dividend Yield:  3.1%
P / E LTM: 5.4x
P / E annualized: 4.6x
Last revenue growth (y/y):  28.4%
Last growth of Net Income (y/y):  79.6%
Historical revenue growth:  34.9%
Historical growth of Net Income:  65.8%
Target P/E (hist percentile):
Express share price potential:
Fundamental value created in LTM:
Fundamental value created in LTM:
[с учетом прогноза фин показателей]
 Mult Upside+32.0%
 FCF Creation0.0%
 Growth+35.2%
 Growth Corr-15.2%
 
 Sum+52.1%
P/E mutiple calculation
Market Cap (m RUB): 852 099
Net Profit (m RUB): 156 805
P / E LTM: 5.4x
Average daily trading volume for the week, RUB mln: 5272
P / E 5.4x
P / E ann-d4.6x
P / B 1.3x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 28.3%
ROA (Return on assets) 3.5%

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 RUB 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 ( 12789 , 13151 ) 263 427+99% -140 171+155% 123 256+59% -92 070+101% 31 186-2% 55 950+33% 179 206+50% -21 985+21% 33 965+41% 13 570<-100% -11 527-39%   -67 773+66% 61 987+109% -15 238+146% 46 749+99% 36 515+47% 10 234<-100%
2025 q1 256 036+126% -141 222>+200% 114 814+57% -67 416+59% 47 398+54% 50 966+49% 165 780+54% -20 933+32% 30 033+64% -1 551<-100% -11 221-41%   -64 776+84% 44 674+58% -11 213+88% 33 461+50% 34 623+65% -1 162<-100%
2024 q4 ( 9420 , 9436 ) 253 208+184% -128 101<-100% 125 107+38% -87 020>+200% 38 087-40% 56 465+9% 181 572+27% -22 727+6% 33 738+12% 4 111-52% -13 906-56%   -67 122+35% 48 241+10% -9 536-4% 38 705+14% 35 657+31% 3 048-55%
2024 q3 193 607+147% -89 955>+200% 103 652+68% -83 926>+200% 19 726-43% 49 556+45% 153 208+60% -20 059+31% 29 497+57% 15 961>+200% -18 123+4%   -55 162+70% 46 195+54% -8 400+34% 37 795+60% 24 736+16% 13 059>+200%
2024 q2 132 626+83% -54 925+30% 77 701+152% -45 764+116% 31 937>+200% 42 154+173% 119 855+159% -18 142+131% 24 012>+200% -1 722-57% -18 778>+200%   -40 767>+200% 29 648>+200% -6 198>+200% 23 450>+200% 24 812+140% -1 362-57%
2024 q1 113 508+89% -40 300>+200% 73 208+56% -42 394+73% 30 814+38% 34 248+28% 107 456+46% -15 907+55% 18 341+12% 1 720-25% -19 133+56%   -35 233+30% 28 248+35% -5 960+26% 22 288+37% 20 931+45% 1 357-24%
2023 q4 89 254+74% 1 552<-100% 90 806+152% -27 290-19% 63 516>+200% 51 749+75% 142 555+118% -21 535+110% 30 214+57% 8 570<-100% -31 717>+200%   -49 580+112% 43 783>+200% -9 937>+200% 33 846>+200% 27 141>+200% 6 705<-100%
2023 q3 78 381 -16 565 61 816 -27 424 34 392 34 209 96 025 -15 370 18 839 2 844 -17 490   -32 507 29 918 -6 282 23 636 21 389 2 247
2023 q2 72 454 -42 123 30 813 -21 230 9 583 15 457 46 270 -7 854 7 603 -4 013 -6 213   -13 567 8 702 -1 485 7 217 10 355 -3 138
2023 q1 60 172 -12 802 46 888 -24 534 22 354 26 697 73 585 -10 288 16 409 2 291 -12 281   -27 200 20 946 -4 713 16 233 14 457 1 776
2022 q4 51 401+16% -15 212+47% 35 974+6% -33 751>+200% 2 223-91% 29 506+14% 65 480+10% -10 243-7% 19 263+31% -800+27% -10 194-23%   -23 429+34% 7 443-34% -2 253-46% 5 190-81% 5 748-60% -558+186%
2021 q4 44 286+39% -10 381+83% 33 905+29% -10 485+2% 23 420+47% 25 805+71% 59 710+45% -11 067+65% 14 738+76% -630>+200% -13 324+59%   -17 485+96% 11 205-10% -4 210+93% 28 019+13% 14 197-44% -195-72%
2021 q3 41 664+37% -8 114+41% 33 550+37% -9 994-20% 23 556+96% 21 064+85% 54 614+52% -9 863+79% 11 201+91% -822+45% -9 234+100%   -14 404+75% 15 590+37% -2 684+18% 12 906+42% 13 586+42% -680+51%
2021 q2 38 845+21% -6 823+17% 32 022+22% -10 106-58% 21 916>+200% 18 438+101% 50 460+42% -8 626+129% 9 812+82% -17-99% -10 301>+200%   -13 161+75% 13 950+33% -3 082+47% 21+11% 21-2% 0-99%
2021 q1 34 139+10% -6 127-1% 28 012+12% -9 274-70% 18 738<-100% 15 515+66% 43 527+27% -7 312+47% 8 203+88% 73-87% -7 878+148%   -11 122+63% 12 615+62% -2 454+60% -16<-100%    
2020 q4 31 876+5% -5 660-13% 26 216+9% -10 290-27% 15 926+61% 15 069+55% 41 285+23% -6 712+124% 8 357+25% -72-81% -8 398+57%   -8 910+36% 12 497+9% -2 181+1% 24 751+100% 25 439+165% -688+118%
2020 q3 30 321+4% -5 747-7% 24 574+6% -12 548-24% 12 026+84% 11 399+27% 35 973+12% -5 525+51% 5 874+11% -565+4% -4 621+46%   -8 215+20% 11 370+17% -2 281+17% 9 089+100% 9 541+16% -452+4%
2020 q2 32 128+16% -5 809-1% 26 319+21% -24 048+78% 2 271-73% 9 162+10% 35 481+18% -3 769-6% 5 393+25% -1 312>+200% -3 329-16%   -7 528+21% 10 453+12% -2 103+12% 19+100% 21<-100% -2-89%
2020 q1 31 173+37% -6 201+29% 24 972+40% -31 204>+200% -6 232<-100% 9 336+23% 34 308+35% -4 979+45% 4 357+6% 546<-100% -3 1770%   -6 843+15% 7 768-5% -1 533-9% 131+100% 122-98% 9<-100%
2019 q4 30 487+40% -6 494+30% 23 993+43% -14 082+181% 9 911-16% 9 698+19% 33 691+35% -2 996-31% 6 702+76% -389<-100% -5 362+69%   -6 563+41% 11 431+8% -2 155+13% 0<-100% 9 591+14% -315<-100%
2019 q3 29 246+52% -6 171+45% 23 075+54% -16 548+143% 6 527-20% 8 969+30% 32 044+47% -3 655+38% 5 314+25% -544<-100% -3 170+50%   -6 849+28% 9 731+15% -1 956+9% 0<-100% 8 210+27% -435<-100%
2019 q2 27 685+53% -5 896+53% 21 789+53% -13 474+118% 8 315+3% 8 313+33% 30 102+47% -4 004+62% 4 309+15% -28-70% -3 980+76%   -6 218+20% 9 333+27% -1 881+25% 0<-100% 7 474+27% -22-69%
2019 q1 22 714+29% -4 820+32% 17 894+28% -9 910+53% 7 984+7% 7 562+31% 25 456+29% -3 443+72% 4 119+9% -245-59% -3 176+9%   -5 932+28% 8 175+22% -1 685+19% 0<-100% 6 685+16% -195-59%
2018 q4 21 729>+200% -4 983<-100% 16 746+58% -5 004-44% 11 742>+200% 8 161+162% 24 907+81% -4 353<-100% 3 808+13% 310<-100% -3 180+30%   -4 664-6% 10 574+29% -1 907+12% 8 667<-100% 8 424 243
2018 q3 19 195+30% -4 244+25% 14 951+31% -6 804>+200% 8 147-14% 6 896+78% 21 847+43% -2 657+89% 4 239+71% 207-13% -2 109+2%   -5 331+40% 8 442+42% -1 798+43% 6 644<-100% 6 481 163
2018 q2 18 113-32% -3 858-71% 14 255+5% -6 170>+200% 8 085-30% 6 231+7% 20 486+6% -2 475-29% 3 756+62% -92<-100% -2 258+10%   -5 201+55% 7 323+39% -1 510+33% 5 813+41% 5 886<-100% -73<-100%
2018 q1 17 603+37% -3 662+19% 13 941+43% -6 494+180% 7 4470% 5 778+114% 19 719+58% -2 007+106% 3 771+118% -598<-100% -2 912+70%   -4 639+49% 6 708+53% -1 418+52% 5 290+54% 5 762+73% -472<-100%
2017 q4 ( 2454 , 2455 ) 4 460-63% 6 151<-100% 10 611+24% -8 911>+200% 1 699-74% 3 117+8% 13 728+20% 261<-100% 3 378+85% -7 838>+200% -2 452+64%   -4 962+72% 8 187+95% -1 702+78% -8 036<-100%    
2017 q3 14 770+23% -3 395-1% 11 376+33% -1 902-2% 9 474+43% 3 877+35% 15 253+33% -1 404+34% 2 473+35% 238<-100% -2 074+39%   -3 810+32% 5 940+42% -1 255+31% -155<-100%    
2017 q2 26 811+16% -13 246-4% 13 565+44% -2 026-1% 11 539+57% 5 813-25% 19 378+13% -3 501+29% 2 312-54% 7 288+10% -2 057+33%   -3 357+37% 5 260+53% -1 132+42% 4 128+56% -1 600-35% 5 728+12%
2017 q1 12 831+18% -3 088-15% 9 743+35% -2 323-4% 7 420+54% 2 701+51% 12 444+38% -973+57% 1 728+48% 142-17% -1 712+26%   -3 110+45% 4 374+72% -930+59% 3 444+76% 3 332+82% 112-16%
2016 q4 11 979+16% -3 429+9% 8 550+19% -1 945-47% 6 605+88% 2 877>+200% 11 427+51% -1 047+93% 1 830<-100% -122+52% -1 496+82%   -2 890+52% 4 195>+200% -957>+200% 3 239>+200% 3 332>+200% -94+68%
2016 q3 11 979+16% -3 429+9% 8 550+19% -1 945-47% 6 605+88% 2 877>+200% 11 427+51% -1 047+93% 1 830<-100% -122+52% -1 496+82%   -2 890+52% 4 195>+200% -957>+200% 3 239>+200% 3 332>+200% -94+68%
2016 q2 23 207+140% -13 791>+200% 9 416+49% -2 045-47% 7 371+197% 7 782>+200% 17 198+163% -2 718>+200% 5 064<-100% 6 636>+200% -1 550+108%   -2 449+54% 3 447>+200% -795>+200% 2 652>+200% -2 457<-100% 5 109>+200%
2016 q1 10 837 -3 624 7 213 -2 408 4 805 1 789 9 002 -621 1 168 172 -1 361   -2 151 2 546 -584 1 962 1 829 133
2015 q4 ( 2460 , 2461 ) 10 335+6% -3 142+50% 7 194-6% -3 683-7% 3 511-5% 376>+200% 7 569-2% -542+119% -167-2% -80-72% -822+15%   -1 897+34% 625-49% -145-56% 480-46% 535-51% -56-73%
2015 q3 10 335+6% -3 142+50% 7 194-6% -3 683-7% 3 511-5% 376>+200% 7 569-2% -542+119% -167-2% -80-76% -822+16%   -1 897+33% 625-49% -145-56% 480-46% 535-53% -56-77%
2015 q2 9 685 -3 379 6 306 -3 828 2 478 244 6 550 -334 -90 389 -746   -1 586 526 -148 378 98 280
2014 q4 ( 2462 , 2463 ) 9 765+12% -2 090+1% 7 675+15% -3 960+62% 3 715-12% 78>+200% 7 753+16% -248+110% -170+70% -284+69% -715-21%   -1 420-1% 1 225-28% -331-28% 894-28% 1 101-20% -207+69%
2014 q3 9 765-97% -2 090-98% 7 675-97% -3 960-96% 3 715-98% 78-90% 7 753-97% -248-95% -170-96% -338-95% -709-98%   -1 429-98% 1 225-98% -331-98% 894-98% 1 141-98% -247-95%
2013 q4 ( 2464 , 2465 ) 8 729-96% -2 061-96% 6 669-96% -2 450-94% 4 218-96% 18 6 686-96% -118-95% -100 -168-95% -903-97%   -1 439-96% 1 706-96% -460-96% 1 246-97% 1 369-97% -123-95%
2013 q3 386 605 -91 261 295 344 -108 518 186 826 793 296 137 -5 226 -4 432 -7 441 -39 979   -63 735 75 577 -20 372 55 206 60 641 -5 435
2012 q4 205 931 -49 572 156 359 -38 955 117 405   156 359 -2 320   -3 384 -26 390   -38 882 48 123 -11 130 36 993 39 594 -2 601
2007 q4 843 200>+200% -336 195>+200% 507 005>+200% -305 846+133% 201 159>+200% 414 077>+200% 921 082>+200%   414 077>+200% 18 510+191% -170 387<-100%   -612 547>+200% 290 911<-100% -68 420 222 491<-100% 208 335<-100% 14 157+136%
2007 q3 843 200 -336 195 507 005 -305 846 201 159 414 077 921 082   414 077 18 510 -170 387   -612 547 290 911 -68 420 222 491 208 335 14 157
2006 q4 162 915 -4 539 158 376 -131 234 27 142 2 109 160 485   2 109 6 350 31 972   -101 559 -79 145   -74 700 -80 693 5 994


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q2 ( 12789 , 13151 ) 660 567+176% 5 326 466+85% 2 773 799+133% 746 388+130% 4 000 136+75%
2025 q1 498 511+129% 4 731 473+94% 2 532 886+133% 557 151+62% 3 711 043+100%
2024 q4 ( 9420 , 9436 ) 437 036+94% 5 118 041+125% 2 537 188+161% 531 765+60% 4 009 972+134%
2024 q3 427 310 4 967 453 2 596 950+167% 525 712+58% 3 904 606+128%
2024 q2 239 073 2 883 534 1 189 971+22% 325 194-3% 2 292 079+34%
2024 q1 218 141 2 437 858 1 088 452+12% 344 929+3% 1 859 892+9%
2023 q4 225 377 2 269 799 972 412+60% 332 923+2% 1 713 272+44%
2023 q3     972 412 333 768 1 713 272
2023 q2     972 412 333 768 1 713 272
2023 q1     972 412 333 768 1 713 272
2022 q4     606 455+1% 326 103+61% 1 191 986+25%
2021 q4 147 301+32% 1 281 965+52% 601 586+62% 202 433-13% 951 511+50%
2021 q3 146 331+37% 1 078 043+52% 550 609+61% 215 296-5% 780 426+51%
2021 q2 127 030+27% 945 584+44% 501 612+55% 217 554+5% 715 681+50%
2021 q1 116 236+31% 856 450+45% 424 333+27% 241 365+82% 640 857+51%
2020 q4 111 187+27% 844 717+48% 372 227+13% 233 241+76% 634 431+51%
2020 q3 107 047+40% 711 182+42% 342 738+5% 227 744+140% 517 382+44%
2020 q2 99 939+48% 654 478+43% 322 909+6% 206 972+165% 478 464+51%
2020 q1 89 040+44% 591 941+41% 334 648+30% 132 624+92% 424 858+50%
2019 q4 87 581+38% 569 600+46% 328 301+49% 132 740+35% 420 081+48%
2019 q3 76 612+39% 502 323+50% 324 978+74% 94 9690% 359 982+53%
2019 q2 67 730+37% 457 666+54% 304 048+82% 78 171-8% 317 358+52%
2019 q1 62 037 418 514 256 632+17% 69 048-33% 283 9310%
2018 q4 63 614+30% 390 875+44% 220 106+50% 98 625+37% 283 099+57%
2018 q3 54 956 334 950 186 600+28% 94 633+16% 236 017+31%
2018 q2 49 299+34% 297 027+38% 166 879+36% 84 743+83% 208 695+48%
2018 q1     220 106+97% 103 504>+200% 283 099+129%
2017 q4 ( 2454 , 2455 ) 49 105+73% 270 679+55% 146 330+41% 71 739+97% 179 885+43%
2017 q3     146 330+41% 81 365>+200% 179 885+43%
2017 q2 36 907+50% 215 423+41% 123 133+30% 46 228+65% 141 047+37%
2017 q1 32 384 175 465 112 004+8% 32 671-10% 123 791-1%
2016 q4 28 353+31% 174 167+26% 103 474+26% 36 499+126% 125 398+37%
2016 q3     103 474+26% 2 986-82% 125 398+37%
2016 q2 24 562 152 694 95 034+16% 27 978+73% 102 619+12%
2016 q1     103 474 36 499 125 398
2015 q4 ( 2460 , 2461 ) 21 598>+200% 138 420+40% 82 223+11% 16 139>+200% 91 641+70%
2015 q3     82 223+11% 16 167-25% 91 641+70%
2015 q2     82 223 16 167 91 641
2014 q4 ( 2462 , 2463 ) 6 4400% 98 5650% 73 9620% 1200% 53 8650%
2014 q3     73 9620% 21 6080% 53 8650%
2013 q4 ( 2464 , 2465 ) 6 440 98 565 73 962+55% 120-99% 53 865+83%
2013 q3     73 962 21 608 53 865
2012 q4     47 785 20 745 29 396
2007 q4          
2007 q3          
2006 q4          


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2025 q2 ( 12789 , 13151 ) 40 820-85% -66 274>+200% 5 859<-100%
2025 q1 -365 943<-100% -32 684+56% -145-99%
2024 q4 ( 9420 , 9436 ) -159 426<-100% 37 727<-100% 16 532<-100%
2024 q3 350 028<-100% 217 976<-100% -25 753>+200%
2024 q2 275 604<-100% -15 077+23% -7 442>+200%
2024 q1 56 070+19% -20 943>+200% -28 939>+200%
2023 q4 305 571>+200% -11 213-62% -2 750-60%
2023 q3 -61 782 -9 196 -2 215
2023 q2 -64 486 -12 263 -79
2023 q1 47 018 -518 -679
2022 q4 51 274-66% -29 397<-100% -6 947+29%
2021 q4 149 068>+200% 1 193-98% -5 365+1%
2021 q3 7 249-92% 4 609<-100% 43 495<-100%
2021 q2 23 687-65% 15 620<-100% -2 749>+200%
2021 q1 -40 749<-100% -22 739+127% -513-75%
2020 q4 17 390-70% 71 532<-100% -5 326<-100%
2020 q3 89 657>+200% -90 102>+200% -3 035<-100%
2020 q2 67 122<-100% -65 362>+200% -646<-100%
2020 q1 10 554+40% -10 003<-100% -2 033-79%
2019 q4 57 868>+200% -38 591<-100% 5 834+42%
2019 q3 5 876-82% -1 792-93% 4 026<-100%
2019 q2 -11 494<-100% -508-93% 3 892<-100%
2019 q1 7 532<-100% 103<-100% -9 709>+200%
2018 q4 2 453-79% 8 157<-100% 4 099<-100%
2018 q3 31 995+152% -26 654+3% -6 259<-100%
2018 q2 18 081+94% -7 077-44% -5 195<-100%
2018 q1 -3 080+50% -7 505>+200% -567<-100%
2017 q4 ( 2454 , 2455 ) 11 550+72% -1 413-62% -37 895>+200%
2017 q3 12 694+89% -25 840>+200% 15 288<-100%
2017 q2 9 304+41% -12 724+59% 15 984>+200%
2017 q1 -2 047<-100% -298-93% 0+100%
2016 q4 6 704-23% -3 728+17% -1 823-63%
2016 q3 6 704-23% -3 728+17% -1 823-63%
2016 q2 6 579 -8 006 466
2016 q1 6 016 -3 982 -259
2015 q4 ( 2460 , 2461 ) 8 708>+200% -3 199+100% -4 972>+200%
2015 q3 8 708 -3 199 -4 972
2015 q2      
2014 q4 ( 2462 , 2463 ) 130-88% -1 598>+200% -1 611<-100%
2014 q3      
2013 q4 ( 2464 , 2465 ) 1 042<-100% -166-19% 450-87%
2013 q3 1 042 -166 450
2012 q4 -1 263 -206 3 483
2007 q4      
2007 q3      
2006 q4      
RSBU data *The values are shown in mln RUB The % change shows the difference from the same period last year

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Income


Q Revenue Net income
 
2025 q2 15<-100% 32 716<-100%
2025 q1 ( 9851 , 11464 ) 5-37% 5 208<-100%
2024 q4 11 19 202
2024 q2 ( 8905 , 9052 ) -9 -189
2024 q1 ( 8633 , 9050 , 9100 ) 9 -30
2023 q4    


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q2 288 574>+200% 375 254>+200%      
2025 q1 ( 9851 , 11464 ) 264 443>+200% 267 540-2%      
2024 q4 259 235 264 460      
2024 q2 ( 8905 , 9052 ) 8 192 13 420      
2024 q1 ( 8633 , 9050 , 9100 ) 36 724 274 027      
2023 q4          
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