SBER Stock Overview
Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions.
Sberbank of Russia Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₽133.30|
|52 Week High||₽388.11|
|52 Week Low||₽89.59|
|1 Month Change||0%|
|3 Month Change||-3.24%|
|1 Year Change||-58.99%|
|3 Year Change||-41.55%|
|5 Year Change||-30.69%|
|Change since IPO||54.10%|
Recent News & Updates
|SBER||RU Banks||RU Market|
Return vs Industry: SBER underperformed the Russian Banks industry which returned -56.3% over the past year.
Return vs Market: SBER underperformed the Russian Market which returned -35.7% over the past year.
|SBER Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||5.2%|
|10% most volatile stocks in RU Market||9.9%|
|10% least volatile stocks in RU Market||2.7%|
Stable Share Price: Insufficient data to determine SBER's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine SBER's volatility change over the past year.
About the Company
Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services.
Sberbank of Russia Fundamentals Summary
|SBER fundamental statistics|
Is SBER overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SBER income statement (TTM)|
|Cost of Revenue||₽47.50b|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||51.56|
|Net Profit Margin||47.64%|
How did SBER perform over the long term?See historical performance and comparison
14.0%Current Dividend Yield
Is SBER undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SBER?
Other financial metrics that can be useful for relative valuation.
|What is SBER's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does SBER's PE Ratio compare to its peers?
|SBER PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
VTBR VTB Bank
CBOM Credit Bank of Moscow
AVAN AVANGARD BANK
SBER Sberbank of Russia
Price-To-Earnings vs Peers: SBER is good value based on its Price-To-Earnings Ratio (2.6x) compared to the peer average (7.9x).
Price to Earnings Ratio vs Industry
How does SBER's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: SBER is good value based on its Price-To-Earnings Ratio (2.6x) compared to the European Banks industry average (8.7x)
Price to Earnings Ratio vs Fair Ratio
What is SBER's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||2.6x|
|Fair PE Ratio||4.3x|
Price-To-Earnings vs Fair Ratio: SBER is good value based on its Price-To-Earnings Ratio (2.6x) compared to the estimated Fair Price-To-Earnings Ratio (4.3x).
Share Price vs Fair Value
What is the Fair Price of SBER when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SBER (RUB133.3) is trading below our estimate of fair value (RUB329.7)
Significantly Below Fair Value: SBER is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Sberbank of Russia forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SBER's forecast earnings growth (8.2% per year) is above the savings rate (7.5%).
Earnings vs Market: SBER's earnings (8.2% per year) are forecast to grow slower than the Russian market (9% per year).
High Growth Earnings: SBER's earnings are forecast to grow, but not significantly.
Revenue vs Market: SBER's revenue (12.5% per year) is forecast to grow faster than the Russian market (3.1% per year).
High Growth Revenue: SBER's revenue (12.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SBER's Return on Equity is forecast to be low in 3 years time (19.9%).
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How has Sberbank of Russia performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SBER has a high level of non-cash earnings.
Growing Profit Margin: SBER's current net profit margins (47.6%) are higher than last year (41.9%).
Past Earnings Growth Analysis
Earnings Trend: SBER's earnings have grown by 10.1% per year over the past 5 years.
Accelerating Growth: SBER's earnings growth over the past year (52.4%) exceeds its 5-year average (10.1% per year).
Earnings vs Industry: SBER earnings growth over the past year (52.4%) exceeded the Banks industry 14.6%.
Return on Equity
High ROE: SBER's Return on Equity (20.9%) is considered high.
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How is Sberbank of Russia's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SBER's Assets to Equity ratio (7.3x) is low.
Allowance for Bad Loans: SBER has a sufficient allowance for bad loans (176%).
Low Risk Liabilities: 78% of SBER's liabilities are made up of primarily low risk sources of funding.
Loan Level: SBER has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: SBER's Loans to Deposits ratio (99%) is appropriate.
Level of Bad Loans: SBER has a high level of bad loans (2.8%).
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What is Sberbank of Russia current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SBER's dividend (14.03%) is higher than the bottom 25% of dividend payers in the Russian market (4.43%).
High Dividend: SBER's dividend (14.03%) is in the top 25% of dividend payers in the Russian market (13.15%)
Stability and Growth of Payments
Stable Dividend: SBER's dividend payments have been volatile in the past 10 years.
Growing Dividend: SBER's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (34.7%), SBER's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SBER's dividends in 3 years are forecast to be well covered by earnings (48% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Herman Gref (58 yo)
Mr. Herman Oskarovich Gref has been the Chairman of the Executive Board of Sberbank of Russia since November 2007 and has been its Member of Supervisory Board since June 24, 2005. He has been Chief Executi...
Experienced Management: SBER's management team is considered experienced (4.3 years average tenure).
Experienced Board: SBER's board of directors are considered experienced (4.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Sberbank of Russia's employee growth, exchange listings and data sources
- Name: Sberbank of Russia
- Ticker: SBER
- Exchange: MISX
- Founded: 1841
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ₽2.993t
- Shares outstanding: 22.46b
- Website: https://www.sberbank.ru
Number of Employees
- Sberbank of Russia
- 19 Vavilova Street
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|AKSJ.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Shares||US||USD||Jan 1997|
|SBER||MISX (Micex - Rts)||Yes||Ordinary Shares||RU||RUB||Jan 1997|
|SBERP||MISX (Micex - Rts)||RUB3 PREF(USD)||RU||RUB||Jan 1997|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/24 00:00|
|End of Day Share Price||2022/07/08 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.