Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
United Credit Systems. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
United Credit Systems's
is considered below, and whether this is a fair price.
Price based on past earnings
United Credit Systems's earnings available for a low price, and how does
this compare to other companies in the same industry?
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 United Credit Systems 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 Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Diversified Financial industry annual growth in earnings.
Earnings growth vs Low Risk Savings
United Credit Systems
expected to grow at an
Unable to compare United Credit Systems's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare United Credit Systems's earnings growth to the Russian Federation market average as no estimate data is available.
Unable to compare United Credit Systems's revenue growth to the Russian Federation market average as no estimate data is available.
Unable to determine if United Credit Systems is high growth as no earnings estimate data is available.
Unable to determine if United Credit Systems is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
United Credit Systems's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
United Credit Systems
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
A company's financial position is much like your own financial position,
it includes everything you own
The boxes below represent the relative size of what makes up
United Credit Systems's finances.
The net worth of a company is the difference between its assets and liabilities.
United Credit Systems's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
United Credit Systems's long term commitments exceed its cash and other short term assets.
This treemap shows a more detailed breakdown of
United Credit Systems's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Low level of unsold assets.
Debt is not covered by short term assets, assets are 0.5x debt.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Aleksey Aleksandrovich Korzun serves as Chief Executive Officer of Public Joint Stock Company United Credit Systems. Mr. Korzun has been a General Director of Open Joint Stock Company United Credit Systems since April 2014. Mr. Korzun has been the Chief of the Department of Organization and Investment Process in NPF Welfare since September 2012. He serves as a Director of Public Joint Stock Company United Credit Systems. He holds Degree in Economics from Moscow State University.
Insufficient data for Aleksey to compare compensation growth.
Insufficient data for Aleksey to establish whether their remuneration is reasonable compared to companies of similar size in .
Is Public Joint Stock Company United Credit Systems's (MCX:UCSS) 2.2% Dividend Sustainable?
Is Public Joint Stock Company United Credit Systems (MCX:UCSS) a good dividend stock? … With only a three-year payment history, and a 2.2% yield, investors probably think United Credit Systems is not much of a dividend stock. … The recent jump in the share price will make United Credit Systems's dividend yield look smaller, even though the company prospects could be improving.
Something To Consider Before Buying Public Joint Stock Company United Credit Systems (MCX:UCSS) For The 3.1% Dividend
Public Joint Stock Company United Credit Systems (MCX:UCSS) has paid a dividend to shareholders in the last few years. … Does United Credit Systems tick all the boxes of a great dividend stock? … See our latest analysis for United Credit Systems
Is Public Joint Stock Company United Credit Systems (MCX:UCSS) A Good Dividend Stock?
Public Joint Stock Company United Credit Systems (MCX:UCSS) has returned to shareholders over the past 2 years, an average dividend yield of 2.00% annually. … Let's take a look at United Credit Systems in more detail. … View our latest analysis for United Credit Systems
One Thing To Consider Before Buying Public Joint Stock Company United Credit Systems (MCX:UCSS)
A widely-used metric to measure a stock's market risk is beta, and the broad market index represents a beta value of one. … UCSS's beta implies it may be a stock that investors with high-beta portfolios might find relevant if they wanted to reduce their exposure to market risk, especially during times of downturns. … As a result, the company may be less volatile relative to broad market movements, compared to a company of similar size but higher proportion of fixed assets.
Public Joint Stock Company United Credit Systems provides various banking and financial services in Russia. The company’s banking services include credit products, deposits, mortgage products, payment services, and money transfers, etc. It also offers insurance products and pension solutions; and trains, aircraft and vessels, commercial real estate, equipment, vehicles, and machinery leasing services. In addition, it engages in the purchase and sale of securities; and invests in securities and properties. The company is based in Moscow, Russia. Public Joint Stock Company United Credit Systems is a subsidiary of NPF Blagosostoyanie.
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