Sberbank of Russia
Market Cap
US$64.0b
Last Updated
2020/09/26 05:54 UTC
Data Sources
Company Financials +
Executive Summary
Sberbank of Russia provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. More Details
Rewards
Risk Analysis
Snowflake Analysis
Established dividend payer and good value.
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
Stable Share Price: SBRC.Y has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-3.9%
SBRC.Y
-7.1%
US Banks
-2.4%
US Market
1 Year Return
-18.3%
SBRC.Y
-31.9%
US Banks
12.0%
US Market
Return vs Industry: SBRC.Y exceeded the US Banks industry which returned -31.9% over the past year.
Return vs Market: SBRC.Y underperformed the US Market which returned 12% over the past year.
Shareholder returns
| SBRC.Y | Industry | Market | |
|---|---|---|---|
| 7 Day | -3.9% | -7.1% | -2.4% |
| 30 Day | -3.7% | -8.4% | -6.5% |
| 90 Day | 0.1% | -3.4% | 8.4% |
| 1 Year | -18.3%-18.3% | -29.5%-31.9% | 14.5%12.0% |
| 3 Year | -10.1%-18.7% | -23.2%-29.5% | 34.8%25.8% |
| 5 Year | 182.0%144.7% | 13.8%-0.1% | 82.1%61.6% |
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 compared to its fair value and its price relative to the market?
18.4%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SBRC.Y ($11.6) is trading below our estimate of fair value ($14.21)
Significantly Below Fair Value: SBRC.Y is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: SBRC.Y is good value based on its PE Ratio (6.7x) compared to the US Banks industry average (9.3x).
PE vs Market: SBRC.Y is good value based on its PE Ratio (6.7x) compared to the US market (17.5x).
Price to Earnings Growth Ratio
PEG Ratio: SBRC.Y is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: SBRC.Y is overvalued based on its PB Ratio (1x) compared to the US Banks industry average (0.8x).
Next Steps
Future Growth
How is Sberbank of Russia forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
13.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SBRC.Y's forecast earnings growth (13.7% per year) is above the savings rate (2.2%).
Earnings vs Market: SBRC.Y's earnings (13.7% per year) are forecast to grow slower than the US market (22.9% per year).
High Growth Earnings: SBRC.Y's earnings are forecast to grow, but not significantly.
Revenue vs Market: SBRC.Y's revenue (6.7% per year) is forecast to grow slower than the US market (9.9% per year).
High Growth Revenue: SBRC.Y's revenue (6.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SBRC.Y's Return on Equity is forecast to be low in 3 years time (17%).
Next Steps
Past Performance
How has Sberbank of Russia performed over the past 5 years?
22.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SBRC.Y has a high level of non-cash earnings.
Growing Profit Margin: SBRC.Y's current net profit margins (41.6%) are lower than last year (46.8%).
Past Earnings Growth Analysis
Earnings Trend: SBRC.Y's earnings have grown significantly by 22.2% per year over the past 5 years.
Accelerating Growth: SBRC.Y's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SBRC.Y had negative earnings growth (-14.7%) over the past year, making it difficult to compare to the Banks industry average (-3%).
Return on Equity
High ROE: SBRC.Y's Return on Equity (15.1%) is considered low.
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
Financial Institutions Analysis
Asset Level: SBRC.Y's Assets to Equity ratio (6.7x) is low.
Allowance for Bad Loans: SBRC.Y has a low allowance for bad loans (97%).
Low Risk Liabilities: 82% of SBRC.Y's liabilities are made up of primarily low risk sources of funding.
Loan Level: SBRC.Y has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: SBRC.Y's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: SBRC.Y has a high level of bad loans (7.5%).
Next Steps
Dividend
What is Sberbank of Russia current dividend yield, its reliability and sustainability?
8.22%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SBRC.Y's dividend (8.22%) is higher than the bottom 25% of dividend payers in the US market (1.75%).
High Dividend: SBRC.Y's dividend (8.22%) is in the top 25% of dividend payers in the US market (4.99%)
Stability and Growth of Payments
Stable Dividend: SBRC.Y's dividend payments have been volatile in the past 10 years.
Growing Dividend: SBRC.Y's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (55.1%), SBRC.Y's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SBRC.Y's dividends in 3 years are forecast to be covered by earnings (52.1% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.3yrs
Average management tenure
CEO
Herman Gref (56 yo)
12.83yrs
Tenure
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 ...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of the Executive Board | 12.83yrs | no data | 0.0044% RUB 2.8m | |
| Deputy Chairman of Executive Board & Supervisory Board Member | 2.25yrs | no data | 0.00050% RUB 319.8k | |
| Deputy Chairman of the Executive Board | 9.92yrs | no data | 0.0013% RUB 844.2k | |
| Deputy Chairman of Executive Board | 2.25yrs | no data | 0.00055% RUB 351.7k | |
| Deputy Chairman of the Executive Board | no data | no data | 0.00053% RUB 338.9k | |
| First Deputy Chairman of Executive Board | 2.25yrs | no data | 0.000030% RUB 19.2k | |
| First Deputy Chairman of the Executive Board & COO | 7.17yrs | no data | no data | |
| Deputy Chairwoman of Executive Board & Head of Retail Unit | 1.75yrs | no data | no data | |
| Deputy Chair of Executive Board | 0.58yr | no data | no data | |
| CFO & Head of Finance | 0.17yr | no data | no data | |
| Senior MD & Deputy Chief Accountant | no data | no data | no data | |
| Senior VP | 2.08yrs | no data | no data |
2.3yrs
Average Tenure
51yo
Average Age
Experienced Management: SBRC.Y's management team is considered experienced (2.3 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of the Executive Board | 12.83yrs | no data | 0.0044% RUB 2.8m | |
| Deputy Chairman of Executive Board & Supervisory Board Member | 2.25yrs | no data | 0.00050% RUB 319.8k | |
| Supervisory Board Member | 18.25yrs | no data | no data | |
| Chairman of Supervisory Board | 18.25yrs | no data | no data | |
| Independent Deputy Chairman of Supervisory Board | 1.33yrs | no data | 0.00018% RUB 115.1k | |
| Deputy Chairman of the Supervisory Board | 2.25yrs | no data | no data | |
| Supervisory Board Member | 3.33yrs | no data | no data | |
| Independent Supervisory Board Member | 3.33yrs | no data | no data | |
| Supervisory Board Member | 3.33yrs | no data | no data | |
| Supervisory Board Member | 2.25yrs | no data | no data | |
| Independent Supervisory Board Member | 4.33yrs | no data | no data | |
| Independent Supervisory Board Member | 6.25yrs | no data | no data |
3.3yrs
Average Tenure
64yo
Average Age
Experienced Board: SBRC.Y's board of directors are considered experienced (3.3 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
Sberbank of Russia's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Sberbank of Russia
- Ticker: SBRC.Y
- Exchange: OTCPK
- Founded: 1841
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ₽4.890t
- Listing Market Cap: ₽63.951b
- Shares outstanding: 21.49b
- Website: https://www.sberbank.ru
Number of Employees
Location
- Sberbank of Russia
- 19 Vavilova Street
- Moscow
- Moskovskaya obl.
- 117997
- Russia
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| AKSJ.F | OTCPK (Pink Sheets LLC) | Yes | Ordinary Shares | US | USD | Jan 1997 |
| SBER | MISX (Micex - Rts) | Yes | Ordinary Shares | RU | RUB | Jan 1997 |
| RU_SBER | KAS (Kazakhstan Stock Exchange) | Yes | Ordinary Shares | KZ | KZT | Jan 1997 |
| SBERP | MISX (Micex - Rts) | RUB3 PREF(USD) | RU | RUB | Jan 1997 | |
| SBRC.Y | OTCPK (Pink Sheets LLC) | SPON ADR EACH REPR 4 ORD SHS | US | USD | Apr 2004 | |
| SBNC | DB (Deutsche Boerse AG) | SPON ADR EACH REPR 4 ORD SHS | DE | EUR | Apr 2004 | |
| SBNC | XTRA (XETRA Trading Platform) | SPON ADR EACH REPR 4 ORD SHS | DE | EUR | Apr 2004 | |
| SBER | LSE (London Stock Exchange) | SPON ADR EACH REPR 4 ORD SHS | GB | USD | Apr 2004 | |
| SBERL | BATS-CHIXE (BATS 'Chi-X Europe') | SPON ADR EACH REPR 4 ORD SHS | GB | USD | Apr 2004 | |
| SBER | WBAG (Wiener Boerse AG) | SPON ADR EACH REPR 4 ORD SHS | AT | EUR | Apr 2004 |
Biography
Sberbank of Russia provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers consumer, education, and c ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/09/26 05:54 |
| End of Day Share Price | 2020/09/25 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
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.