Financial Ratios 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	12.99B	14.44B	19.13B	28.25B	36.45B
Interest Expense, Total	4.98B	6.79B	9.39B	15.33B	19.11B
Net Interest Income	8.01B	7.65B	9.74B	12.92B	17.35B
Asset Management Fee	2.67B	2.23B	-	-	-
Other Revenues, Total	13.84B	8.8B	3.55B	4.01B	19.17B
Revenues Before Provison For Loan Losses	24.51B	18.69B	13.29B	16.92B	36.51B
Provision For Loan Losses	233M	252M	1.29B	2.46B	2.75B
Total Revenues	24.28B	18.44B	12B	14.47B	33.76B
Salaries And Other Employee Benefits	6.23B	5.73B	5.67B	6.86B	7.74B
Cost of Services Provided, Total	333M	306M	649M	579M	762M
Other Operating Expenses	1.56B	458M	516M	268M	252M
Total Operating Expenses	8.12B	6.49B	6.83B	7.71B	8.75B
Operating Income	16.16B	11.94B	5.17B	6.76B	25.01B
Income (Loss) on Equity Invest.	-	-	-	-	-
Currency Exchange Gains (Loss)	-224M	188M	4.47M	3.72M	20.2M
Other Non Operating Income (Expenses)	55.44M	-199M	66.26M	116M	42.1M
EBT, Excl. Unusual Items	16B	11.93B	5.24B	6.88B	25.07B
Total Merger & Related Restructuring Charges	-702M	-	-	-	-
Impairment of Goodwill	-2.3B	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	4.39M	-5.3M	-8.78M	-15.08M	-10.27M
Legal Settlements	-99.09M	-107M	-63.66M	-275M	-531M
Other Unusual Items	-1.41B	-78.1M	-	-	-
EBT, Incl. Unusual Items	11.49B	11.74B	5.17B	6.59B	24.53B
Income Tax Expense	2.24B	2.15B	1.77B	-13M	4.99B
Earnings From Continuing Operations	9.25B	9.59B	3.39B	6.6B	19.54B
Earnings Of Discontinued Operations	-	-13.27B	724M	-540M	-169M
Net Income to Company	9.25B	-3.68B	4.12B	6.06B	19.37B
Minority Interest	-51.39M	-42.47M	54.62M	116M	82.98M
Net Income - (IS)	9.2B	-3.72B	4.17B	6.18B	19.46B
Net Income to Common Incl Extra Items	9.2B	-3.72B	4.17B	6.18B	19.46B
Net Income to Common Excl. Extra Items	9.2B	9.55B	3.45B	6.72B	19.63B
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	95.68M	67.21M	49.95M	48.82M	47.79M
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	95.68M	67.21M	49.95M	48.82M	47.79M
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	1.22B	1.54B	1.51B	2.09B	1.51B
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	1.02B	608M	265M	-2.1B	3.48B
Normalized Net Income	9.95B	7.42B	3.33B	4.41B	15.75B
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	4.13B	3.61B	8.79B	10.3B	13.49B
Long-Term Investments - (FS Template)	108B	25.79B	28.77B	30.07B	33.25B
Trading Asset Securities, Total	183B	13.22B	13.83B	5.87B	9.99B
Loans and Lease Receivables - (FS Template)	71.6B	89.81B	147B	166B	232B
Other Receivables	1.59B	2.13B	8.41B	2.88B	8.27B
Gross Property Plant And Equipment	2.8B	3.05B	5.5B	6.25B	6.29B
Accumulated Depreciation	-906M	-1.35B	-2.16B	-2.52B	-2.4B
Net Property Plant And Equipment	1.89B	1.69B	3.34B	3.73B	3.89B
Goodwill	25.14B	155M	305M	-	-
Other Intangibles, Total	109M	84.77M	279M	417M	719M
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	5.62B	284B	1.07B	2.64B	4.01B
Deferred Tax Assets Long-Term (Collected)	126M	89.85M	38.82M	2.13B	1.33B
Deferred Charges Long-Term	7.31B	70.79M	-	-	-
Other Long-Term Assets, Total	18.85B	5.31B	5.7B	5.64B	5.03B
Total Assets	428B	426B	217B	230B	312B
Liabilities
Interest Bearing Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	-	-	-	-	-
Deposits	-	-	-	-	-
Accounts Payable, Total	462M	544M	669M	615M	677M
Accrued Expenses, Total	1.98B	1.75B	2.39B	2.65B	3.94B
Short-Term Borrowings	-	-	11.88M	429M	1.59M
Current Portion of Long-Term Debt	17.47B	34.54B	42.18B	58.01B	94.91B
Current Portion of Leases	256M	277M	289M	218M	208M
Long-Term Debt	52.4B	59.12B	105B	95.93B	118B
Long-Term Leases	702M	386M	642M	1.13B	973M
Current Income Taxes Payable	444M	187M	26.32M	143M	493K
Unearned Revenue, Current	2.21B	1.99B	4.15B	4.36B	4.69B
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	17.51B	261B	-	-	108M
Unearned Revenue Non Current	363M	793M	307M	103M	52.75M
Deferred Tax Liability Non-Current	2.59B	3.15B	3.56B	3.34B	6.42B
Other Non Current Liabilities	244B	1.05B	995M	1.15B	1.23B
Total Liabilities	340B	365B	160B	168B	231B
Common Stock, Total	74.8M	74.8M	74.8M	74.8M	74.8M
Additional Paid In Capital	67.31B	67.3B	59.05B	59.05B	46.99B
Retained Earnings	32.2B	28.48B	30.94B	37.27B	66.04B
Treasury Stock	-11.36B	-34.66B	-33.23B	-33.93B	-33.78B
Comprehensive Income and Other	-	-	487M	-216M	1.94B
Total Common Equity	88.23B	61.19B	57.32B	62.26B	81.26B
Minority Interest	62.04M	40.36M	-345M	-460M	-543M
Total Equity	88.3B	61.23B	56.98B	61.8B	80.71B
Total Liabilities And Equity	428B	426B	217B	230B	312B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	91.93M	47.91M	49.2M	48.45M	47.91M
ECS Total Common Shares Outstanding	91.93M	47.91M	49.2M	48.45M	47.91M
Book Value / Share	959.79	1.28K	1.17K	1.29K	1.7K
Tangible Book Value	62.99B	60.95B	56.74B	61.84B	80.54B
Tangible Book Value Per Share	685.15	1.27K	1.15K	1.28K	1.68K
Total Debt	70.83B	94.32B	148B	156B	214B
Net Debt	-201B	77B	124B	139B	191B
Equity Method Investments, Total	24.29B	25.3B	27.38B	29.37B	33.25B
Full Time Employees	18	7.36K	2.61K	-	2.74K
Assets on Operating Lease - Gross	224M	438M	1.54B	1.86B	2.76B
Assets on Operating Lease - Accumulated Depreciation	-10.6M	-43.08M	-115M	-160M	-292M

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	9.2B	-3.72B	4.17B	6.18B	19.46B
Depreciation, Depletion & Amortization	539M	527M	681M	673M	637M
Amortization of Goodwill and Intangible Assets - (CF)	36.93M	32.78M	51.64M	79.41M	128M
Total Depreciation, Depletion & Amortization	576M	560M	733M	753M	765M
Change in Trading Asset Securities	37.3B	-75.62B	5.69B	773M	71.94M
Change in Other Net Operating Assets (Collected)	-62.24B	38.01B	-77.11B	-19.31B	-73.8B
Other Operating Activities	13.23B	24.83B	5.48B	6.9B	-744M
Cash from Operations	-1.94B	-15.93B	-61.03B	-4.71B	-54.25B
Capital Expenditure	-711M	-458M	-451M	-169M	-172M
Sale of Property, Plant, and Equipment	16.42M	8.16M	188M	176M	17.96M
Cash Acquisitions	-25.2M	-	202M	-	-
Divestitures	-	-	24.01B	204M	-
Other Investing Activities, Total	769M	1.71B	1.14B	-	862M
Cash from Investing	49.62M	1.26B	25.08B	211M	708M
Long-Term Debt Issued, Total	42.05B	48.33B	105B	56.9B	118B
Total Debt Issued	42.05B	48.33B	105B	56.9B	118B
Long-Term Debt Repaid, Total	-16.53B	-25.21B	-57.9B	-50.2B	-59.66B
Total Debt Repaid	-16.53B	-25.21B	-57.9B	-50.2B	-59.66B
Issuance of Common Stock	172M	367M	-	-	142M
Repurchase of Common Stock	-21.05B	-9.39B	-5.28B	-692M	-
Common Dividends Paid	-1.41B	-	-	-	-1.89B
Common & Preferred Stock Dividends Paid	-1.41B	-	-	-	-1.89B
Other Financing Activities, Total	-	-38.54M	-805M	-	-
Cash from Financing	3.24B	14.05B	40.66B	6.01B	56.79B
Foreign Exchange Rate Adjustments	-9.02M	569M	-189K	-9.08M	6.89M
Miscellaneous Cash Flow Adjustments	-3.77M	4.2M	-6.09M	3.73M	-1.85M
Net Change in Cash	1.33B	-45.51M	4.7B	1.5B	3.25B
Supplemental Items
Cash Interest Paid	5.21B	6.37B	9.53B	15.2B	18.86B
Cash Income Tax Paid (Refund)	1.07B	1.82B	2.88B	1.51B	1.52B
Net Debt Issued / Repaid	25.52B	23.12B	46.75B	6.7B	58.54B

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	1.05K
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	-10.22	-11.75	-10.97	9.91
Total Assets, 3 Yr. CAGR %