OTCPK:AKSJ.F

Stock Analysis Report

Executive Summary

Sberbank of Russia provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions.

Snowflake

Fundamentals

Undervalued with adequate balance sheet and pays a dividend.


Similar Companies

Share Price & News

How has Sberbank of Russia's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:AKSJ.F

3.3%

US Banks

2.1%

US Market


1 Year Return

n/a

OTCPK:AKSJ.F

-13.8%

US Banks

-0.04%

US Market

No trading data on AKSJ.F.

No trading data on AKSJ.F.


Share holder returns

AKSJ.FIndustryMarket
7 Day0%3.3%2.1%
30 Day0%-7.0%-3.2%
90 Dayn/a-2.3%2.8%
1 Yearn/a-11.3%-13.8%2.2%-0.04%
3 Yearn/a42.5%32.7%41.5%32.3%
5 Yearn/a54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Sberbank of Russia's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Sberbank of Russia undervalued based on future cash flows and its price relative to the stock market?

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Sberbank of Russia's share price is below the future cash flow value, and at a moderate discount (> 20%).

Sberbank of Russia's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

Sberbank of Russia is good value based on earnings compared to the US Banks industry average.

Sberbank of Russia is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Sberbank of Russia is good value based on expected growth next year.


Price Based on Value of Assets

Sberbank of Russia is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Sberbank of Russia expected to perform in the next 1 to 3 years based on estimates from 12 analysts?

10.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Sberbank of Russia's revenue is expected to grow by 9.1% yearly, however this is not considered high growth (20% yearly).

Sberbank of Russia's earnings are expected to grow by 10.1% yearly, however this is not considered high growth (20% yearly).

Sberbank of Russia's revenue growth is expected to exceed the United States of America market average.

Sberbank of Russia's earnings growth is positive but not above the United States of America market average.

Sberbank of Russia's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Sberbank of Russia is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).


Next Steps

Past Performance

How has Sberbank of Russia performed over the past 5 years?

26.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Sberbank of Russia has delivered over 20% year on year earnings growth in the past 5 years.

Sberbank of Russia's 1-year earnings growth is less than its 5-year average (5.9% vs 26.7%)

Sberbank of Russia's earnings growth has not exceeded the US Banks industry average in the past year (5.9% vs 39.5%).


Return on Equity

Sberbank of Russia has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).


Return on Assets

Sberbank of Russia used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Sberbank of Russia improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Sberbank of Russia's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Sberbank of Russia has an acceptable proportion of non-loan assets held.

Sberbank of Russia has a low allowance for bad loans.

Sberbank of Russia's liabilities are made up of primarily low risk sources of funding.

Sberbank of Russia's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Sberbank of Russia are broadly funded by customer deposits.

Sberbank of Russia has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Sberbank of Russia's current dividend yield, its reliability and sustainability?

10.59%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Sberbank of Russia's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.47%).

Sberbank of Russia's dividend is above the markets top 25% of dividend payers in United States of America (3.75%).

Sberbank of Russia has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

Dividend payments have increased, but Sberbank of Russia only paid a dividend in the past 9 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.4x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (1.9x coverage).


Next Steps

Management

What is the CEO of Sberbank of Russia's salary, the management and board of directors tenure and is there insider trading?

6.1yrs

Average management tenure


CEO

Herman Gref (54yo)

11.5yrs

Tenure

0

Mr. Herman Oskarovich Gref has been the Chief Executive Officer and Chairman of the Executive Board of PAO Sberbank of Russia since 2007 and has been its Member of Supervisory Board since June 2005. Mr. Gr ...


Management Age and Tenure

6.1yrs

Average Tenure

49yo

Average Age

The average tenure for the Sberbank of Russia management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

1.1yrs

Average Tenure

56.5yo

Average Age

The average tenure for the Sberbank of Russia board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Herman Gref (54yo)

    Chairman of the Executive Board

    • Tenure: 11.5yrs
  • Bella Zlatkis (70yo)

    Deputy Chairman of Executive Board & Supervisory Board Member

    • Tenure: 0.9yrs
  • Khasis Aronovich (52yo)

    First Deputy Chairman of the Executive Board & COO

    • Tenure: 5.8yrs
  • Alexander Vladimirovich Morozov (49yo)

    Deputy Chairman of the Executive Board & CFO

    • Tenure: 6.3yrs
  • Stanislav Kuznetsov (56yo)

    Deputy Chairman of the Executive Board

    • Tenure: 8.6yrs
  • Alexander Vedyakhin (41yo)

    First Deputy Chairman of Executive Board

    • Tenure: 0.9yrs
  • Anatoly Popov (44yo)

    Deputy Chairman of Executive Board

    • Tenure: 0.9yrs
  • Alexey Minenko

    Senior MD

    • Tenure: 0.0yrs
  • Oleg Ganeev (46yo)

    Deputy Chairman of the Executive Board

    • Tenure: 0.0yrs
  • Svetlana Kirsanova (35yo)

    Deputy Chairwoman of the Executive Board & Head of the Retail Unit

    • Tenure: 0.4yrs

Board Members

  • Herman Gref (54yo)

    Chairman of the Executive Board

    • Tenure: 11.5yrs
  • Bella Zlatkis (70yo)

    Deputy Chairman of Executive Board & Supervisory Board Member

    • Tenure: 0.9yrs
  • Sergey Ignatiev (70yo)

    Chairman of Supervisory Board

    • Tenure: 16.9yrs
  • Vladimir Mau (59yo)

    Deputy Chairman of the Supervisory Board

    • Tenure: 1.3yrs
  • Sergei Shvetsov (48yo)

    Deputy Chairman of the Supervisory Board

    • Tenure: 0.9yrs
  • Yulia Isakhanova

    Senior MD

    • Tenure: 0.0yrs
  • Alexey Minenko

    Senior MD

    • Tenure: 0.0yrs
  • Natalia Borodina

    Chairwoman of the Audit Commission

    • Tenure: 0.0yrs
  • Tatyana Domanskaya

    Exe. Director

    • Tenure: 0.0yrs
  • Alexey Bogatov (37yo)

    Senior MD

    • Tenure: 0.9yrs

Company Information

Sberbank of Russia's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Sberbank of Russia
  • Ticker: AKSJ.F
  • Exchange: OTCPK
  • Founded: 1841
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: RUруб5.040t
  • Listing Market Cap: RUруб78.108b
  • Shares outstanding: 21.50b
  • Website: https://www.sberbank.ru

Number of Employees


Location

  • Sberbank of Russia
  • 19 Vavilova Street
  • Moscow
  • Moskovskaya obl.
  • 117997
  • Russia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AKSJ.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDJan 1997
SBERMISX (Micex - Rts)YesOrdinary SharesRURUBJan 1997
RU_SBERKAS (Kazakhstan Stock Exchange)YesOrdinary SharesKZKZTJan 1997
SBERPMISX (Micex - Rts)RUB3 PRF(RUB)RURUBJan 1997
SBRC.YOTCPK (Pink Sheets LLC)SPON ADR EACH REPR 4 ORD SHSUSUSDApr 2004
SBNCDB (Deutsche Boerse AG)SPON ADR EACH REPR 4 ORD SHSDEEURApr 2004
SBNCXTRA (XETRA Trading Platform)SPON ADR EACH REPR 4 ORD SHSDEEURApr 2004
SBERLSE (London Stock Exchange)SPON ADR EACH REPR 4 ORD SHSGBUSDApr 2004
SBERLBATS-CHIXE (BATS 'Chi-X Europe')SPON ADR EACH REPR 4 ORD SHSGBUSDApr 2004
SBERWBAG (Wiener Boerse AG)SPON ADR EACH REPR 4 ORD SHSATEURApr 2004

Biography

Sberbank of Russia provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company accepts fixed-term, settlement, a ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/05/26 23:57
End of Day Share Price2019/02/26 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.