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SFIN

SAFMAR Financial investmentsMISX:SFIN Stock Report

Market Cap

₽20.6b

7D

0.4%

1Y

-9.9%

Updated

18 Oct, 2021

Data

Company Financials
SFIN fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance5/6
Financial Health3/6
Dividends0/6

SFIN Overview

Public Joint Stock Company “SAFMAR Financial investments”, an investment holding company, primarily operates as a leasing company in Russia.

Price History & Performance

Summary of all time highs, changes and price drops for SAFMAR Financial investments
Historical stock prices
Current Share Price₽431.00
52 Week High₽425.00
52 Week Low₽540.00
Beta0.32
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

Shareholder Returns

SFINRU Consumer FinanceRU Market
7D0.4%5.7%1.0%
1Y-9.9%94.5%57.4%

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.

Price Volatility

Is SFIN's price volatile compared to industry and market?
SFIN volatility
SFIN Beta0.32
Industry Beta1.27
Market Beta1

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

FoundedEmployeesCEOWebsite
20167,358n/ahttps://www.safmarinvest.ru

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

How do SAFMAR Financial investments's earnings and revenue compare to its market cap?
SFIN fundamental statistics
Market Cap₽20.65b
Earnings (TTM)₽9.55b
Revenue (TTM)₽18.44b

2.2x

P/E Ratio

1.1x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
SFIN income statement (TTM)
Revenue₽18.44b
Cost of Revenue₽0
Gross Profit₽18.44b
Expenses₽8.88b
Earnings₽9.55b

Last Reported Earnings

Dec 31, 2020

Next Earnings Date

n/a

Earnings per share (EPS)199.35
Gross Margin100.00%
Net Profit Margin51.81%
Debt/Equity Ratio153.0%

How did SFIN perform over the long term?

See historical performance and comparison

Valuation

Is SAFMAR Financial investments undervalued compared to its fair value and its price relative to the market?

2.16x

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).


Future Growth

How is SAFMAR Financial investments forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

22.3%

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.


Past Performance

How has SAFMAR Financial investments performed over the past 5 years?

19.8%

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.


Financial Health

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.


Balance Sheet


Dividend

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.2yrs

Average board tenure


CEO

SAFMAR Financial investments has no CEO, or we have no data on them.


Board Members

Experienced Board: SFIN's board of directors are considered experienced (4.2 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Public Joint Stock Company "SAFMAR Financial investments"'s employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Public Joint Stock Company "SAFMAR Financial investments"
  • House 5
  • Koroviy Val street
  • Moscow
  • 119049
  • Russia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/18 21:34
End of Day Share Price2021/10/18 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.