Public Joint Stock Company United Credit Systems provides various banking and financial services in Russia.
Flawless balance sheet with proven track record.
Share Price & News
How has United Credit Systems's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UCSS has not had significant price volatility in the past 3 months.
7 Day Return
RU Diversified Financial
1 Year Return
RU Diversified Financial
Return vs Industry: UCSS exceeded the Russian Diversified Financial industry which returned -15.2% over the past year.
Return vs Market: UCSS exceeded the Russian Market which returned 0.5% over the past year.
Price Volatility Vs. Market
How volatile is United Credit Systems's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 months ago | Simply Wall StIs United Credit Systems's (MCX:UCSS) 122% Share Price Increase Well Justified?
8 months ago | Simply Wall StIf You Had Bought United Credit Systems (MCX:UCSS) Stock A Year Ago, You Could Pocket A 96% Gain Today
11 months ago | Simply Wall StIs Public Joint Stock Company United Credit Systems's (MCX:UCSS) 2.2% Dividend Sustainable?
Is United Credit Systems 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: Insufficient data to calculate UCSS's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate UCSS's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: UCSS is poor value based on its PE Ratio (50.1x) compared to the Diversified Financial industry average (9.9x).
PE vs Market: UCSS is poor value based on its PE Ratio (50.1x) compared to the Russian market (7.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate UCSS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: UCSS is overvalued based on its PB Ratio (3.6x) compared to the XE Diversified Financial industry average (0.8x).
How is United Credit Systems 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 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 SimplyWall St do have past financial data.
- Check out United Credit Systems's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- United Credit Systems competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has United Credit Systems performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UCSS has high quality earnings.
Growing Profit Margin: UCSS became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: UCSS has become profitable over the past 5 years, growing earnings by -35.8% per year.
Accelerating Growth: UCSS has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: UCSS has become profitable in the last year, making it difficult to compare its past year earnings growth to the Diversified Financial industry (3.9%).
Return on Equity
High ROE: UCSS's Return on Equity (21%) is considered high.
How is United Credit Systems's financial position?
Financial Position Analysis
Short Term Liabilities: UCSS's short term assets (RUB343.0M) exceed its short term liabilities (RUB4.0M).
Long Term Liabilities: UCSS has no long term liabilities.
Debt to Equity History and Analysis
Debt Level: UCSS is debt free.
Reducing Debt: UCSS has no debt compared to 5 years ago when its debt to equity ratio was 252.6%.
Debt Coverage: UCSS has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: UCSS has no debt, therefore coverage of interest payments is not a concern.
What is United Credit Systems's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UCSS's dividend (1.34%) isn’t notable compared to the bottom 25% of dividend payers in the Russian market (3.81%).
High Dividend: UCSS's dividend (1.34%) is low compared to the top 25% of dividend payers in the Russian market (9.35%).
Stability and Growth of Payments
Stable Dividend: UCSS is not paying a notable dividend for the Russian market, therefore no need to check if payments are stable.
Growing Dividend: UCSS is not paying a notable dividend for the Russian market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of UCSS'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?
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 Sys ...
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 United Credit Systems's company bio, employee growth, exchange listings and data sources
- Name: Public Joint Stock Company United Credit Systems
- Ticker: UCSS
- Exchange: MISX
- Industry: Other Diversified Financial Services
- Sector: Diversified Financials
- Market Cap: ₽36.290b
- Shares outstanding: 23.72m
- Website: https://www.ucsys.ru
- Public Joint Stock Company United Credit Systems
- Petrovka str., 27
- the 2st floor, room 8
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UCSS||MISX (Micex - Rts)||Yes||Ordinary Shares||RU||RUB||May 2013|
Public Joint Stock Company United Credit Systems provides various banking and financial services in Russia. The company provides banking services, which includes credit products, deposits, mortgage products, payment services, and money transfers, etc. It also offers leasing services, such as trains, aircraft and vessels, commercial real estate, equipment, vehicles, and machinery. In addition, it engages in the purchase and sale of securities; and invests in securities and properties. The company is based in Moscow, Russia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/10 01:28|
|End of Day Share Price||2020/04/09 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.