Public Joint Stock Company “SAFMAR Financial investments”, an investment holding company, primarily operates as a leasing company in Russia.
Price History & Performance
|Historical stock prices|
|Current Share Price||₽431.00|
|52 Week High||₽425.00|
|52 Week Low||₽540.00|
|1 Month Change||-1.51%|
|3 Month Change||-5.73%|
|1 Year Change||-9.87%|
|3 Year Change||-39.11%|
|5 Year Change||-39.93%|
|Change since IPO||-24.90%|
Recent News & Updates
|SFIN||RU Consumer Finance||RU Market|
Return vs Industry: SFIN underperformed the Russian Consumer Finance industry which returned 94.5% over the past year.
Return vs Market: SFIN underperformed the Russian Market which returned 57.4% over the past year.
Stable Share Price: SFIN is less volatile than 75% of Russian stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: SFIN's weekly volatility (2%) has been stable over the past year.
About the Company
Public Joint Stock Company “SAFMAR Financial investments”, an investment holding company, primarily operates as a leasing company in Russia. The company leases vehicles, including passenger cars; light-duty and heavy-duty commercial vehicles, such as LCV’s, MCV’s, HCV’s, and trailers; self-propelled machines; buses; and other assets, as well as provides aftermarket services. It also offers non-governmental pension funds; pension insurance products; life and property, motor, accident, liability, and health insurance products; and POS lending services.
SAFMAR Financial investments Fundamentals Summary
|SFIN fundamental statistics|
Is SFIN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SFIN income statement (TTM)|
|Cost of Revenue||₽0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||199.35|
|Net Profit Margin||51.81%|
How did SFIN perform over the long term?See historical performance and comparison
Is SAFMAR Financial investments undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SFIN (RUB431) is trading above our estimate of fair value (RUB197.67)
Significantly Below Fair Value: SFIN is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SFIN is good value based on its PE Ratio (2.2x) compared to the European Consumer Finance industry average (14.9x).
PE vs Market: SFIN is good value based on its PE Ratio (2.2x) compared to the Russian market (10.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SFIN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SFIN is good value based on its PB Ratio (0.3x) compared to the XE Consumer Finance industry average (1.4x).
How is SAFMAR Financial investments forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as SAFMAR Financial investments has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has SAFMAR Financial investments performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SFIN has high quality earnings.
Growing Profit Margin: SFIN's current net profit margins (51.8%) are higher than last year (44.8%).
Past Earnings Growth Analysis
Earnings Trend: SFIN's earnings have grown by 19.8% per year over the past 5 years.
Accelerating Growth: SFIN's earnings growth over the past year (25.3%) exceeds its 5-year average (19.8% per year).
Earnings vs Industry: SFIN earnings growth over the past year (25.3%) exceeded the Consumer Finance industry -12.1%.
Return on Equity
High ROE: SFIN's Return on Equity (15.7%) is considered low.
How is SAFMAR Financial investments's financial position?
Financial Position Analysis
Short Term Liabilities: SFIN's short term assets (RUB393.1B) exceed its short term liabilities (RUB300.1B).
Long Term Liabilities: SFIN's short term assets (RUB393.1B) exceed its long term liabilities (RUB64.5B).
Debt to Equity History and Analysis
Debt Level: SFIN's debt to equity ratio (153%) is considered high.
Reducing Debt: SFIN's debt to equity ratio has reduced from 218.4% to 153% over the past 5 years.
Debt Coverage: SFIN's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if SFIN's interest payments on its debt are well covered by EBIT.
What is SAFMAR Financial investments's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate SFIN's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate SFIN's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if SFIN's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if SFIN's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: SFIN is not paying a notable dividend for the Russian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of SFIN's dividend in 3 years as they are not forecast to pay a notable one for the Russian market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
SAFMAR Financial investments has no CEO, or we have no data on them.
Experienced Board: SFIN's board of directors are considered experienced (4.2 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.
Public Joint Stock Company "SAFMAR Financial investments"'s employee growth, exchange listings and data sources
- Name: Public Joint Stock Company "SAFMAR Financial investments"
- Ticker: SFIN
- Exchange: MISX
- Founded: 2016
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₽20.649b
- Shares outstanding: 47.91m
- Website: https://www.safmarinvest.ru
Number of Employees
- Public Joint Stock Company "SAFMAR Financial investments"
- House 5
- Koroviy Val street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/18 21:34|
|End of Day Share Price||2021/10/18 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.