Income Statement SmartTechGroup

Stocks

CARM

RU000A105NV2

Consumer Lending

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21/08	Public joint stock company SmartTechGroup Reports Earnings Results for the Half Year Ended June 30, 2026	CI
23/05	Public joint stock company SmartTechGroup Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: SMARTTECHGROUP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2022 (RUB)	2023 (RUB)	2024 (RUB)	2025 (RUB)
Interest and Dividend Income, Total	247.65Cr	296.1Cr	311.95Cr	332.46Cr
Interest Expense, Total	51Cr	44Cr	51Cr	76Cr
Net Interest Income	196.91Cr	251.78Cr	261.1Cr	256.48Cr
Revenues Before Provison For Loan Losses	196.91Cr	251.78Cr	261.1Cr	256.48Cr
Provision For Loan Losses	69Cr	65Cr	75Cr	85Cr
Total Revenues	128.38Cr	186.44Cr	186.16Cr	171.96Cr
Cost of Services Provided, Total	88Cr	122.39Cr	140.95Cr	157.8Cr
Other Operating Expenses	15Cr	17Cr	14Cr	23Cr
Total Operating Expenses	102.68Cr	139.28Cr	155.11Cr	180.44Cr
Operating Income	26Cr	47Cr	31Cr	-8.49Cr
Other Non Operating Income (Expenses)	21Cr	21Cr	22Cr	25Cr
EBT, Excl. Unusual Items	46Cr	68Cr	53Cr	17Cr
EBT, Incl. Unusual Items	46Cr	68Cr	53Cr	17Cr
Income Tax Expense	7.25Cr	13Cr	29Cr	16Cr
Earnings From Continuing Operations	39Cr	55Cr	23Cr	21.5L
Net Income to Company	39Cr	55Cr	23Cr	21.5L
Net Income - (IS)	39Cr	55Cr	23Cr	21.5L
Net Income to Common Incl Extra Items	39Cr	55Cr	23Cr	21.5L
Net Income to Common Excl. Extra Items	39Cr	55Cr	23Cr	21.5L
Per Share Items
Net EPS - Basic	0.22	0.28	0.11	0
Basic EPS - Continuing Operations	0.22	0.28	0.11	0
Basic Weighted Average Shares Outstanding	177.19Cr	197.91Cr	213.37Cr	291.76Cr
Net EPS - Diluted	0.22	0.28	0.11	0
Diluted EPS - Continuing Operations	0.22	0.28	0.11	0
Diluted Weighted Average Shares Outstanding	177.19Cr	197.91Cr	213.37Cr	291.76Cr
Normalized Basic EPS	0.16	0.22	0.15	0.04
Normalized Diluted EPS	0.16	0.22	0.15	0.04
Payout Ratio	-	-	-	10.77T
Supplemental Items
Effective Tax Rate - (Ratio)	15.68	18.85	55.6	98.71
Total Current Taxes	1.16Cr	4.05Cr	1.39Cr	2.69Cr
Total Deferred Taxes	6.09Cr	8.82Cr	28Cr	14Cr
Normalized Net Income	29Cr	43Cr	33Cr	10Cr

Fiscal Period: December	2022 (RUB)	2023 (RUB)	2024 (RUB)	2025 (RUB)
Assets
Cash And Equivalents	20Cr	34Cr	35Cr	56Cr
Long-Term Investments - (FS Template)	461.49Cr	528.48Cr	587.04Cr	721.26Cr
Other Receivables	2.43Cr	2.98Cr	3.34Cr	3.98Cr
Gross Property Plant And Equipment	4.01Cr	5.58Cr	6.95Cr	7.63Cr
Accumulated Depreciation	-2.81Cr	-3.45Cr	-3.1Cr	-5.02Cr
Net Property Plant And Equipment	1.21Cr	2.14Cr	3.85Cr	2.62Cr
Other Intangibles, Total	28Cr	71Cr	185.89Cr	270.71Cr
Other Current Assets, Total	1.71Cr	2.02Cr	19Cr	19Cr
Other Long-Term Assets, Total	11Cr	7.33Cr	-41.83L	3.9Cr
Total Assets	525.54Cr	648.34Cr	833.38Cr	1.08TCr
Liabilities
Accounts Payable, Total	42.88L	2L	2.92Cr	2.95Cr
Accrued Expenses, Total	2.19Cr	3.14Cr	3.99Cr	6.73Cr
Current Portion of Leases	-	-	1.41Cr	1.24Cr
Long-Term Debt	279.34Cr	222.64Cr	355.56Cr	471.35Cr
Long-Term Leases	30.7L	1.45Cr	82.09L	-
Current Income Taxes Payable	27.6L	-	-	65.32L
Deferred Tax Liability Non-Current	29Cr	37Cr	65Cr	79Cr
Other Non Current Liabilities	17.05L	4.24Cr	33.39L	46.56L
Total Liabilities	311.23Cr	268.82Cr	430.39Cr	562.46Cr
Common Stock, Total	180Cr	220.33Cr	220.33Cr	291.76Cr
Additional Paid In Capital	-	69Cr	69Cr	133.04Cr
Retained Earnings	34Cr	90Cr	113.19Cr	90Cr
Total Common Equity	214.31Cr	379.52Cr	402.99Cr	514.87Cr
Total Equity	214.31Cr	379.52Cr	402.99Cr	514.87Cr
Total Liabilities And Equity	525.54Cr	648.34Cr	833.38Cr	1.08TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	160.81Cr	220.33Cr	220.33Cr	291.76Cr
ECS Total Common Shares Outstanding	160.81Cr	220.33Cr	220.33Cr	291.76Cr
Book Value / Share	1.33	1.72	1.83	1.76
Tangible Book Value	186.66Cr	308.32Cr	217.1Cr	244.16Cr
Tangible Book Value Per Share	1.16	1.4	0.99	0.84
Total Debt	279.64Cr	224.09Cr	357.8Cr	472.6Cr
Net Debt	259.25Cr	189.89Cr	322.83Cr	416.28Cr
Full Time Employees	-	314	475	616

Fiscal Period: December	2022 (RUB)	2023 (RUB)	2024 (RUB)	2025 (RUB)
Net Income	39Cr	55Cr	23Cr	21.5L
Depreciation, Depletion & Amortization	1.37Cr	1.76Cr	1.82Cr	2Cr
Amortization of Goodwill and Intangible Assets - (CF)	3.61Cr	6.23Cr	1.66Cr	2.3Cr
Total Depreciation, Depletion & Amortization	4.97Cr	8Cr	3.48Cr	4.3Cr
Amortization of Deferred Charges, Total	-	-	9.93Cr	18Cr
Change in Other Net Operating Assets (Collected)	-42Cr	-53Cr	-57Cr	-141.52Cr
Other Operating Activities	6.02Cr	7.38Cr	21Cr	15Cr
Cash from Operations	8.31Cr	18Cr	84.2L	-104.08Cr
Capital Expenditure	-14.66L	-39.1L	-124.43Cr	-98Cr
Purchase / Sale of Intangible Assets	-3.72Cr	-50Cr	-	-
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-56L	56L
Other Investing Activities, Total	27.68L	24.76L	-	-
Cash from Investing	-3.59Cr	-50Cr	-124.99Cr	-97Cr
Long-Term Debt Issued, Total	153.27Cr	164.9Cr	265.18Cr	548.99Cr
Total Debt Issued	153.27Cr	164.9Cr	265.18Cr	548.99Cr
Long-Term Debt Repaid, Total	-147.19Cr	-228.42Cr	-140.26Cr	-437.91Cr
Total Debt Repaid	-147.19Cr	-228.42Cr	-140.26Cr	-437.91Cr
Issuance of Common Stock	50L	109.61Cr	-	135Cr
Repurchase of Common Stock	-5.8Cr	-	-	-
Common Dividends Paid	-	-	-	-23Cr
Common & Preferred Stock Dividends Paid	-	-	-	-23Cr
Cash from Financing	77.88L	46Cr	124.92Cr	222.92Cr
Net Change in Cash	5.5Cr	14Cr	77.15L	21Cr
Supplemental Items
Cash Interest Paid	47Cr	40Cr	50Cr	74Cr
Cash Income Tax Paid (Refund)	89.18L	3.51Cr	2.94Cr	21.1L
Net Debt Issued / Repaid	6.08Cr	-64Cr	124.92Cr	111.08Cr

Fiscal Period: December	2022 (RUB)	2023 (RUB)	2024 (RUB)	2025 (RUB)
Profitability
Return on Assets	-	9.44	3.17	0.02
Return On Equity %	-	18.66	6	0.05
Return on Common Equity	-	18.66	6	0.05
Margin Analysis
Gross Profit Margin %	100	100	100	100
SG&A Margin	68.61	65.64	75.71	91.77
Income From Continuing Operations Margin %	30.36	29.72	12.61	0.12
Net Income Margin %	30.36	29.72	12.61	0.12
Net Avail. For Common Margin %	30.36	29.72	12.61	0.12
Normalized Net Income Margin	22.51	22.89	17.75	6.04
Asset Turnover
Asset Turnover	-	0.32	0.25	0.18
Short Term Liquidity
Current Ratio	8.46	12.4	6.85	6.81
Quick Ratio	7.88	11.76	4.6	5.21
Operating Cash Flow to Current Liabilities	2.87	5.58	0.1	-8.99
Long Term Solvency
Total Debt/Equity	130.49	59.04	88.79	91.79
Total Debt / Total Capital	56.61	37.12	47.03	47.86
LT Debt/Equity	130.49	59.04	88.43	91.55
Long-Term Debt / Total Capital	56.61	37.12	46.84	47.73
Total Liabilities / Total Assets	59.22	41.46	51.64	52.21
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-	45.23	-0.15	-7.63
Gross Profit, 1 Yr. Growth %	-	45.23	-0.15	-7.63
Earnings From Cont. Operations, 1 Yr. Growth %	-	42.16	-57.65	-99.08
Net Income, 1 Yr. Growth %	-	42.16	-57.65	-99.08
Normalized Net Income, 1 Yr. Growth %	-	47.7	-22.58	-68.56
Diluted EPS Before Extra, 1 Yr. Growth %	-	27.27	-60.71	-99.09
Common Equity, 1 Yr. Growth %	-	77.09	6.18	27.76
Total Assets, 1 Yr. Growth %	-	23.37	28.54	29.27
Tangible Book Value, 1 Yr. Growth %	-	65.18	-29.59	12.46
Cash From Operations, 1 Yr. Growth %	-	111.99	-95.29	-12.46T
Capital Expenditures, 1 Yr. Growth %	-	166.71	31.72T	-21.2
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-	-	20.42	-3.96
Gross Profit, 2 Yr. CAGR %	-	-	20.42	-3.96
Earnings From Cont. Operations, 2 Yr. CAGR %	-	-	-22.4	-93.77
Net Income, 2 Yr. CAGR %	-	-	-22.4	-93.77
Normalized Net Income, 2 Yr. CAGR %	-	-	6.93	-50.67
Diluted EPS Before Extra, 2 Yr. CAGR %	-	-	-29.29	-94.87
Common Equity, 2 Yr. CAGR %	-	-	37.13	16.47
Total Assets, 2 Yr. CAGR %	-	-	25.93	28.91
Tangible Book Value, 2 Yr. CAGR %	-	-	7.85	-11.01
Cash From Operations, 2 Yr. CAGR %	-	-	-68.18	141.33
Capital Expenditures, 2 Yr. CAGR %	-	-	2.81T	1.48T
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-	-	-	10.23
Gross Profit, 3 Yr. CAGR %	-	-	-	10.23
Earnings From Cont. Operations, 3 Yr. CAGR %	-	-	-	-82.33
Net Income, 3 Yr. CAGR %	-	-	-	-82.33
Normalized Net Income, 3 Yr. CAGR %	-	-	-	-28.89
Diluted EPS Before Extra, 3 Yr. CAGR %	-	-	-	-85.04
Common Equity, 3 Yr. CAGR %	-	-	-	33.93
Total Assets, 3 Yr. CAGR %	-	-	-	27.03
Tangible Book Value, 3 Yr. CAGR %	-	-	-	9.36
Cash From Operations, 3 Yr. CAGR %	-	-	-	132.2
Capital Expenditures, 3 Yr. CAGR %	-	-	-	774.54