CarMoney Financial Statements (CARM)

КарМани (СТГ)smart-lab.ru %   2022Q4 2023Q1 2023Q2 2023Q3 2023Q4   LTM ?
Report date 30.05.2023 21.08.2023 20.11.2023 03.04.2024   03.04.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Presentation URL  
Net operating income, bln rub ? 0.507 1.16 0.680 0.670   2.51
Net interest income, bln rub ? 0.349 0.825 0.478 0.557   1.86
Net profit, bln rub ? 0.116 0.288 0.068 0.291   0.647
Net profit not adj., bln rub ? 0.239   0.239
OCF, bln rub ? 0.099 0.211 -0.022 0.097   0.286
Ordinary share dividend yield, % 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
Dividend payout ratio, % 0% 0% 0% 0%   0
OPEX, bln rub 0.221 0.500 0.367 0.313   1.18
Interest expenses, bln rub 0.315 0.140 0.070 0.190   0.400
Creation of provision for loan impairment, bln rub 0.170 0.334 0.200 0.116   0.650
Debt, bln rub 7.37 7.70 6.74 7.62   7.62
Cash, bln rub 0.200 0.300 0.360 0.330   0.330
Net debt, bln rub 7.17 0.00 7.40 6.38 7.29   7.29
Bank assets, bln rub 5.25 5.84 6.18 6.48   6.48
Capital, bln rub 2.14 2.60 3.60 3.70   3.70
Ordinary share price, rub 3.00 3.00 3.00 2.64 2.26   2.13
Number of ordinary shares, mln 1 898 1 898 1 898 1 898 1 898   1 898
Market cap, bln rub 5.69 5.69 5.69 5.01 4.29   4.04
EV, bln rub ? 12.9 5.69 13.1 11.4 11.6   11.3
EPS, rub ? 0.06 0.00 0.15 0.04 0.15   0.34
FCF yield, % ? 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
ROE, % ? 24.2%  
ROA, % ? 8.6%  
Bank margin, % ? 22.9% 24.8% 10.00% 43.4%   25.8%
P/E ? 14.6 14.6 11.9 10.6 6.64   6.24
P/B ? 2.66 2.19 1.39 1.16   1.09
Employees, people 292 303   303
Expenses per employee, thousand rub 0.00 0.00   0
IR rating 5.0   5.0
Financial statement quality 5   5
Investor Presentations 5   5
Smart-lab presence 5   5
Annual report 5   5
Investor site URL 5   5
Investor calendar 5   5
IR feedback 5   5
CarMoney shareholders