CarMoney Financial Statements (CARM)
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Report date
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29.04.2022 |
30.05.2023 |
03.04.2024 |
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31.10.2024 |
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Currency
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RUB |
RUB |
RUB |
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RUB |
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Financial report URL
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Annual report URL
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Presentation URL
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Net operating income, bln rub |
? |
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2.02 |
1.96 |
2.51 |
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3.23 |
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Net interest income, bln rub |
? |
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1.36 |
1.28 |
1.86 |
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2.53 |
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Net profit, bln rub |
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0.250 |
0.390 |
0.647 |
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0.691 |
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OCF, bln rub |
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-0.230 |
0.087 |
0.286 |
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0.247 |
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Ordinary share dividend yield, %
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0.0% |
0.0% |
0.0% |
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0.0% |
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Dividend payout ratio, %
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0% |
0% |
0% |
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0 |
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OPEX, bln rub |
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1.000 |
0.880 |
1.18 |
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1.26 |
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Employment expenses, bln rub |
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0.371 |
0.411 |
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Interest expenses, bln rub |
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0.440 |
0.470 |
0.400 |
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0.540 |
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Creation of provision for loan impairment, bln rub |
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0.660 |
0.690 |
0.650 |
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0.696 |
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Debt, bln rub |
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6.85 |
7.37 |
7.62 |
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Cash, bln rub |
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0.150 |
0.200 |
0.330 |
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0.100 |
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Net debt, bln rub |
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6.70 |
7.17 |
7.29 |
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-0.10 |
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Bank assets, bln rub |
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4.76 |
5.25 |
6.48 |
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0.040 |
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Capital, bln rub |
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1.81 |
2.14 |
3.70 |
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4.09 |
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Ordinary share price, rub |
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3.00 |
3.00 |
2.26 |
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1.68 |
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Number of ordinary shares, mln |
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1 898 |
1 898 |
1 898 |
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1 898 |
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Free Float, % |
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30.0% |
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Market cap, bln rub |
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5.69 |
5.69 |
4.29 |
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3.20 |
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EV, bln rub |
? |
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12.4 |
12.9 |
11.6 |
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3.10 |
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EPS, rub |
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0.13 |
0.21 |
0.34 |
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0.36 |
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ROA, % |
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9.4% |
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Bank margin, % |
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12.4% |
19.9% |
25.8% |
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21.4% |
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P/E |
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22.8 |
14.6 |
6.64 |
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4.62 |
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P/B |
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3.15 |
2.66 |
1.16 |
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0.78 |
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Employees, people |
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292 |
303 |
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Labour productivity, mln rub/person/year |
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6.71 |
8.28 |
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Expenses per employee, thousand rub |
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1 271 |
1 356 |
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IR rating
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5.0 |
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5.0 |
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Financial statement quality
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5 |
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5 |
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Investor Presentations
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5 |
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5 |
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Smart-lab presence
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5 |
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5 |
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Annual report
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5 |
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5 |
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Investor site URL
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5 |
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5 |
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Investor calendar
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5 |
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5 |
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IR feedback
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5 |
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5 |
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| CarMoney shareholders |
