Public Joint Stock Company "SFI"

MISX:SFIN Stock Report

Market Cap: ₽30.2b

SFI Past Earnings Performance

Past criteria checks 1/6

SFI has been growing earnings at an average annual rate of 0.8%, while the Consumer Finance industry saw earnings growing at 11.5% annually. Revenues have been growing at an average rate of 5.7% per year. SFI's return on equity is 6%, and it has net margins of 28.7%.

Key information

0.8%

Earnings growth rate

19.7%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate5.7%
Return on equity6.0%
Net Margin28.7%
Last Earnings Update31 Dec 2021

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How SFI makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

MISX:SFIN Revenue, expenses and earnings (RUB Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 2112,0003,4496,3170
30 Sep 2113,7995,9145,6290
30 Jun 2117,8848,5326,5590
31 Mar 2118,1599,0416,2970
31 Dec 2016,1499,3984,4180
30 Jun 2012,9195,0115,6320
31 Mar 2014,9356,3135,8740
31 Dec 1916,9527,6146,1150
30 Sep 1923,6178,7756,0850
30 Jun 1922,9538,3535,6090
31 Mar 1922,1378,6395,0280
31 Dec 1821,3228,9254,4470
30 Sep 1822,48211,0534,5570
30 Jun 1818,01110,7284,0980
31 Mar 1816,2039,4963,8970
31 Dec 1714,3958,2643,6960
30 Sep 1710,0956,0663,0260
30 Jun 1710,5595,9162,7240
31 Mar 178,8134,6732,2520
31 Dec 166,9673,3102,1910
30 Sep 165,9262,7881,5950
30 Jun 165,6132,4611,7770
31 Mar 165,3742,2712,3100
31 Dec 155,0901,9422,2370

Quality Earnings: SFIN has a high level of non-cash earnings.

Growing Profit Margin: SFIN's current net profit margins (28.7%) are lower than last year (58.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: SFIN's earnings have grown by 0.8% per year over the past 5 years.

Accelerating Growth: SFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: SFIN had negative earnings growth (-63.3%) over the past year, making it difficult to compare to the Consumer Finance industry average (-4.1%).

Return on Equity

High ROE: SFIN's Return on Equity (6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2022/10/05 10:13
End of Day Share Price 2022/07/08 00:00
Earnings2021/12/31
Annual Earnings2021/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Public Joint Stock Company "SFI" is covered by 0 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution