Balance Sheet SFI

Equities

SFIN

RU000A0JVW89

Investment Holding Companies

End-of-day quote Moscow Micex - RTS Other stock markets 08/07/2022			5-day change	1st Jan Change
613.60 ^RUB	+1.35%		-.--%	-.--%

28/08	Public Joint Stock Company "SFI" Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2024	CI
29/03	Public Joint Stock Company Leasing Company Europlan has completed an IPO in the amount of RUB 13.125 billion.	CI

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Published financial data: SFI

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest and Dividend Income, Total	1.3TCr	1.44TCr	1.91TCr	2.83TCr	3.65TCr
Interest Expense, Total	498.3Cr	679.12Cr	939.48Cr	1.53TCr	1.91TCr
Net Interest Income	800.79Cr	765.36Cr	973.65Cr	1.29TCr	1.73TCr
Asset Management Fee	266.56Cr	223.43Cr	-	-	-
Other Revenues, Total	1.38TCr	879.88Cr	354.93Cr	400.53Cr	1.92TCr
Revenues Before Provison For Loan Losses	2.45TCr	1.87TCr	1.33TCr	1.69TCr	3.65TCr
Provision For Loan Losses	23Cr	25Cr	128.6Cr	245.74Cr	275.1Cr
Total Revenues	2.43TCr	1.84TCr	1.2TCr	1.45TCr	3.38TCr
Salaries And Other Employee Benefits	622.69Cr	572.88Cr	566.78Cr	685.97Cr	773.98Cr
Cost of Services Provided, Total	33Cr	31Cr	65Cr	58Cr	76Cr
Other Operating Expenses	155.69Cr	46Cr	52Cr	27Cr	25Cr
Total Operating Expenses	811.7Cr	649.25Cr	683.21Cr	770.64Cr	875.45Cr
Operating Income	1.62TCr	1.19TCr	516.77Cr	675.94Cr	2.5TCr
Income (Loss) on Equity Invest.	-	-	-	-	-
Currency Exchange Gains (Loss)	-22Cr	19Cr	44.7L	37.21L	2.02Cr
Other Non Operating Income (Expenses)	5.54Cr	-20Cr	6.63Cr	12Cr	4.21Cr
EBT, Excl. Unusual Items	1.6TCr	1.19TCr	523.84Cr	687.87Cr	2.51TCr
Total Merger & Related Restructuring Charges	-70Cr	-	-	-	-
Impairment of Goodwill	-230Cr	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	43.86L	-52.98L	-87.81L	-1.51Cr	-1.03Cr
Legal Settlements	-9.91Cr	-11Cr	-6.37Cr	-28Cr	-53Cr
Other Unusual Items	-140.77Cr	-7.81Cr	-	-	-
EBT, Incl. Unusual Items	1.15TCr	1.17TCr	516.6Cr	658.85Cr	2.45TCr
Income Tax Expense	224.32Cr	214.93Cr	177.15Cr	-1.3Cr	498.69Cr
Earnings From Continuing Operations	924.79Cr	959.3Cr	339.45Cr	660.15Cr	1.95TCr
Earnings Of Discontinued Operations	-	-1.33TCr	72Cr	-54Cr	-17Cr
Net Income to Company	924.79Cr	-367.67Cr	411.83Cr	606.1Cr	1.94TCr
Minority Interest	-5.14Cr	-4.25Cr	5.46Cr	12Cr	8.3Cr
Net Income - (IS)	919.65Cr	-371.92Cr	417.29Cr	617.67Cr	1.95TCr
Net Income to Common Incl Extra Items	919.65Cr	-371.92Cr	417.29Cr	617.67Cr	1.95TCr
Net Income to Common Excl. Extra Items	919.65Cr	955.06Cr	344.91Cr	671.71Cr	1.96TCr
Per Share Items
Net EPS - Basic	96.11	-55.34	83.54	126.53	407.12
Basic EPS - Continuing Operations	96.11	142.11	69.05	137.6	410.66
Basic Weighted Average Shares Outstanding	9.57Cr	6.72Cr	5Cr	4.88Cr	4.78Cr
Net EPS - Diluted	96.11	-55.34	83.54	126.53	407.12
Diluted EPS - Continuing Operations	96.11	142.11	69.05	137.6	410.66
Diluted Weighted Average Shares Outstanding	9.57Cr	6.72Cr	5Cr	4.88Cr	4.78Cr
Normalized Basic EPS	103.94	110.34	66.64	90.44	329.6
Normalized Diluted EPS	103.94	110.34	66.64	90.44	329.6
Dividend Per Share	-	-	-	-	20.6
Payout Ratio	15.32	-	-	-	9.71
Supplemental Items
Effective Tax Rate - (Ratio)	19.52	18.3	34.29	-0.2	20.33
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	122.33Cr	154.13Cr	150.66Cr	208.52Cr	150.89Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	101.99Cr	61Cr	26Cr	-209.82Cr	347.8Cr
Normalized Net Income	994.57Cr	741.53Cr	332.86Cr	441.48Cr	1.58TCr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	413.37Cr	361.03Cr	879.18Cr	1.03TCr	1.35TCr
Long-Term Investments - (FS Template)	11TCr	2.58TCr	2.88TCr	3.01TCr	3.32TCr
Trading Asset Securities, Total	18TCr	1.32TCr	1.38TCr	587.16Cr	998.96Cr
Loans and Lease Receivables - (FS Template)	7.16TCr	8.98TCr	15TCr	17TCr	23TCr
Other Receivables	159.28Cr	213.1Cr	840.59Cr	287.88Cr	826.74Cr
Gross Property Plant And Equipment	279.99Cr	304.67Cr	550.12Cr	625.41Cr	628.98Cr
Accumulated Depreciation	-91Cr	-135.37Cr	-215.9Cr	-252.38Cr	-239.79Cr
Net Property Plant And Equipment	189.39Cr	169.3Cr	334.21Cr	373.03Cr	389.19Cr
Goodwill	2.51TCr	15Cr	30Cr	-	-
Other Intangibles, Total	11Cr	8.48Cr	28Cr	42Cr	72Cr
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	561.86Cr	28TCr	106.67Cr	264.07Cr	401.26Cr
Deferred Tax Assets Long-Term (Collected)	13Cr	8.99Cr	3.88Cr	212.96Cr	133.28Cr
Deferred Charges Long-Term	731.22Cr	7.08Cr	-	-	-
Other Long-Term Assets, Total	1.88TCr	530.72Cr	570.46Cr	564.09Cr	503.05Cr
Total Assets	43TCr	43TCr	22TCr	23TCr	31TCr
Liabilities
Interest Bearing Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	-	-	-	-	-
Deposits	-	-	-	-	-
Accounts Payable, Total	46Cr	54Cr	67Cr	61Cr	68Cr
Accrued Expenses, Total	197.67Cr	174.72Cr	238.92Cr	264.72Cr	393.72Cr
Short-Term Borrowings	-	-	1.19Cr	43Cr	15.91L
Current Portion of Long-Term Debt	1.75TCr	3.45TCr	4.22TCr	5.8TCr	9.49TCr
Current Portion of Leases	26Cr	28Cr	29Cr	22Cr	21Cr
Long-Term Debt	5.24TCr	5.91TCr	10TCr	9.59TCr	12TCr
Long-Term Leases	70Cr	39Cr	64Cr	113.36Cr	97Cr
Current Income Taxes Payable	44Cr	19Cr	2.63Cr	14Cr	5L
Unearned Revenue, Current	220.95Cr	198.75Cr	415.44Cr	436.15Cr	469.43Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	1.75TCr	26TCr	-	-	11Cr
Unearned Revenue Non Current	36Cr	79Cr	31Cr	10Cr	5.27Cr
Deferred Tax Liability Non-Current	258.92Cr	314.99Cr	355.57Cr	333.62Cr	641.83Cr
Other Non Current Liabilities	24TCr	105.36Cr	99Cr	115.03Cr	122.59Cr
Total Liabilities	34TCr	36TCr	16TCr	17TCr	23TCr
Common Stock, Total	7.48Cr	7.48Cr	7.48Cr	7.48Cr	7.48Cr
Additional Paid In Capital	6.73TCr	6.73TCr	5.91TCr	5.91TCr	4.7TCr
Retained Earnings	3.22TCr	2.85TCr	3.09TCr	3.73TCr	6.6TCr
Treasury Stock	-1.14TCr	-3.47TCr	-3.32TCr	-3.39TCr	-3.38TCr
Comprehensive Income and Other	-	-	49Cr	-22Cr	194.42Cr
Total Common Equity	8.82TCr	6.12TCr	5.73TCr	6.23TCr	8.13TCr
Minority Interest	6.2Cr	4.04Cr	-34Cr	-46Cr	-54Cr
Total Equity	8.83TCr	6.12TCr	5.7TCr	6.18TCr	8.07TCr
Total Liabilities And Equity	43TCr	43TCr	22TCr	23TCr	31TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	9.19Cr	4.79Cr	4.92Cr	4.84Cr	4.79Cr
ECS Total Common Shares Outstanding	9.19Cr	4.79Cr	4.92Cr	4.84Cr	4.79Cr
Book Value / Share	959.79	1.28T	1.17T	1.29T	1.7T
Tangible Book Value	6.3TCr	6.1TCr	5.67TCr	6.18TCr	8.05TCr
Tangible Book Value Per Share	685.15	1.27T	1.15T	1.28T	1.68T
Total Debt	7.08TCr	9.43TCr	15TCr	16TCr	21TCr
Net Debt	-20TCr	7.7TCr	12TCr	14TCr	19TCr
Equity Method Investments, Total	2.43TCr	2.53TCr	2.74TCr	2.94TCr	3.32TCr
Full Time Employees	18	7.36T	2.61T	-	2.74T
Assets on Operating Lease - Gross	22Cr	44Cr	154.12Cr	185.85Cr	276.43Cr
Assets on Operating Lease - Accumulated Depreciation	-1.06Cr	-4.31Cr	-12Cr	-16Cr	-29Cr

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	919.65Cr	-371.92Cr	417.29Cr	617.67Cr	1.95TCr
Depreciation, Depletion & Amortization	54Cr	53Cr	68Cr	67Cr	64Cr
Amortization of Goodwill and Intangible Assets - (CF)	3.69Cr	3.28Cr	5.16Cr	7.94Cr	13Cr
Total Depreciation, Depletion & Amortization	58Cr	56Cr	73Cr	75Cr	76Cr
Change in Trading Asset Securities	3.73TCr	-7.56TCr	569.17Cr	77Cr	7.19Cr
Change in Other Net Operating Assets (Collected)	-6.22TCr	3.8TCr	-7.71TCr	-1.93TCr	-7.38TCr
Other Operating Activities	1.32TCr	2.48TCr	547.87Cr	689.58Cr	-74Cr
Cash from Operations	-193.93Cr	-1.59TCr	-6.1TCr	-471.22Cr	-5.43TCr
Capital Expenditure	-71Cr	-46Cr	-45Cr	-17Cr	-17Cr
Sale of Property, Plant, and Equipment	1.64Cr	81.57L	19Cr	18Cr	1.8Cr
Cash Acquisitions	-2.52Cr	-	20Cr	-	-
Divestitures	-	-	2.4TCr	20Cr	-
Other Investing Activities, Total	77Cr	170.69Cr	113.55Cr	-	86Cr
Cash from Investing	4.96Cr	125.66Cr	2.51TCr	21Cr	71Cr
Long-Term Debt Issued, Total	4.21TCr	4.83TCr	10TCr	5.69TCr	12TCr
Total Debt Issued	4.21TCr	4.83TCr	10TCr	5.69TCr	12TCr
Long-Term Debt Repaid, Total	-1.65TCr	-2.52TCr	-5.79TCr	-5.02TCr	-5.97TCr
Total Debt Repaid	-1.65TCr	-2.52TCr	-5.79TCr	-5.02TCr	-5.97TCr
Issuance of Common Stock	17Cr	37Cr	-	-	14Cr
Repurchase of Common Stock	-2.1TCr	-939.08Cr	-528.17Cr	-69Cr	-
Common Dividends Paid	-140.85Cr	-	-	-	-188.84Cr
Common & Preferred Stock Dividends Paid	-140.85Cr	-	-	-	-188.84Cr
Other Financing Activities, Total	-	-3.85Cr	-81Cr	-	-
Cash from Financing	323.68Cr	1.41TCr	4.07TCr	601.08Cr	5.68TCr
Foreign Exchange Rate Adjustments	-90.2L	57Cr	-2L	-90.78L	68.9L
Miscellaneous Cash Flow Adjustments	-37.69L	42.05L	-60.88L	37.29L	-18.49L
Net Change in Cash	133.43Cr	-4.55Cr	470.36Cr	150.48Cr	325.38Cr
Supplemental Items
Cash Interest Paid	520.93Cr	636.67Cr	953.21Cr	1.52TCr	1.89TCr
Cash Income Tax Paid (Refund)	107.17Cr	182.33Cr	287.7Cr	151.01Cr	152.17Cr
Net Debt Issued / Repaid	2.55TCr	2.31TCr	4.67TCr	670.31Cr	5.85TCr

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	2.28	2.25	1.06	2.95	7.21
Return On Equity %	10.77	12.83	5.74	11.12	27.43
Return on Common Equity	10.72	12.78	5.82	11.23	27.35
Margin Analysis
Gross Profit Margin %	100	100	100	100	100
SG&A Margin	27.02	32.74	52.64	51.42	25.18
Income From Continuing Operations Margin %	38.09	52.04	28.29	45.64	57.88
Net Income Margin %	37.88	-20.17	34.77	42.7	57.63
Net Avail. For Common Margin %	37.88	51.81	28.74	46.43	58.13
Normalized Net Income Margin	40.96	40.22	27.74	30.52	46.66
Asset Turnover
Asset Turnover	0.06	0.04	0.04	0.06	0.12
Short Term Liquidity
Current Ratio	8.69	1.31	3.62	2.84	2.56
Quick Ratio	8.55	0.36	3.6	2.8	2.52
Operating Cash Flow to Current Liabilities	-0.05	-0.05	-1.23	-0.07	-0.52
Long Term Solvency
Total Debt/Equity	80.22	154.04	259.81	251.99	265.32
Total Debt / Total Capital	44.51	60.64	72.21	71.59	72.63
LT Debt/Equity	60.14	97.17	185.25	157.07	147.46
Long-Term Debt / Total Capital	33.37	38.25	51.49	44.62	40.37
Total Liabilities / Total Assets	79.38	85.62	73.76	73.12	74.13
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	13.88	8.75	-25.69	20.55	133.4
Gross Profit, 1 Yr. Growth %	13.88	8.75	-25.69	20.55	133.4
Earnings From Cont. Operations, 1 Yr. Growth %	3.54	25.14	-64.04	94.48	196.03
Net Income, 1 Yr. Growth %	3.04	-140.44	-212.2	48.02	215
Normalized Net Income, 1 Yr. Growth %	-6.31	26.9	-53.98	32.63	256.8
Diluted EPS Before Extra, 1 Yr. Growth %	11.86	78.57	-50.62	99.28	198.44
Common Equity, 1 Yr. Growth %	5.78	-30.65	-6.32	8.61	30.52
Total Assets, 1 Yr. Growth %	11.62	-0.58	-49.01	5.88	35.71
Tangible Book Value, 1 Yr. Growth %	12.72	-3.23	-6.91	8.99	30.24
Cash From Operations, 1 Yr. Growth %	-76.89	721.36	277.77	-92.28	1.05T
Capital Expenditures, 1 Yr. Growth %	185.91	-35.53	95.55	-62.62	2.1
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	29.87	-7.02	-15.86	-5.35	67.74
Gross Profit, 2 Yr. CAGR %	29.87	-7.02	-15.86	-5.35	67.74
Earnings From Cont. Operations, 2 Yr. CAGR %	5.78	3.64	-33.46	-16.38	139.94
Net Income, 2 Yr. CAGR %	5.49	-35.45	-32.64	28.87	115.93
Normalized Net Income, 2 Yr. CAGR %	27.33	-16.42	-24.53	-21.88	117.54
Diluted EPS Before Extra, 2 Yr. CAGR %	13.3	28.6	-6.85	-0.8	143.87
Common Equity, 2 Yr. CAGR %	2.14	-14.35	-19.4	0.87	19.06
Total Assets, 2 Yr. CAGR %	16.25	5.35	-28.8	-26.52	19.87
Tangible Book Value, 2 Yr. CAGR %	2.24	4.44	-5.09	0.73	19.14
Cash From Operations, 2 Yr. CAGR %	-79.88	37.79	461	-45.99	-5.72
Capital Expenditures, 2 Yr. CAGR %	158.56	35.76	-20.38	-14.51	-38.22
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	51.61	8.59	-17.44	-5.15	27.87
Gross Profit, 3 Yr. CAGR %	51.61	8.59	-17.44	-5.15	27.87
Earnings From Cont. Operations, 3 Yr. CAGR %	40.84	5.09	-27.56	-4.86	27.45
Net Income, 3 Yr. CAGR %	40.58	-23.37	-22.39	-12.43	73.6
Normalized Net Income, 3 Yr. CAGR %	56.74	6.52	-32.06	-8.92	29.62
Diluted EPS Before Extra, 3 Yr. CAGR %	48	23.81	-7.03	20.02	43.2
Common Equity, 3 Yr. CAGR %	4.04