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SBRC

Sberbank of Russia OTCPK:SBRC.Y Stock Report

Last Price

₽0.52

Market Cap

₽42.3b

7D

0%

1Y

-96.9%

Updated

31 May, 2022

Data

Company Financials +
SBRC.Y fundamental analysis
Snowflake Score
Valuation5/6
Future Growth3/6
Past Performance5/6
Financial Health5/6
Dividends5/6

SBRC.Y Stock Overview

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

Sberbank of Russia Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Sberbank of Russia
Historical stock prices
Current Share Price₽0.52
52 Week High₽21.63
52 Week Low₽0.48
Beta1.16
1 Month Change0%
3 Month Change-42.22%
1 Year Change-96.92%
3 Year Change-96.48%
5 Year Change-95.36%
Change since IPO-67.50%

Recent News & Updates

Shareholder Returns

SBRC.YUS BanksUS Market
7D0%-1.9%-2.5%
1Y-96.9%-18.3%-21.2%

Return vs Industry: SBRC.Y underperformed the US Banks industry which returned -16.2% over the past year.

Return vs Market: SBRC.Y underperformed the US Market which returned -20.6% over the past year.

Price Volatility

Is SBRC.Y's price volatile compared to industry and market?
SBRC.Y volatility
SBRC.Y Average Weekly Movementn/a
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.3%

Stable Share Price: Insufficient data to determine SBRC.Y's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine SBRC.Y's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1841287,866Herman Grefhttps://www.sberbank.ru

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services.

Sberbank of Russia Fundamentals Summary

How do Sberbank of Russia's earnings and revenue compare to its market cap?
SBRC.Y fundamental statistics
Market Cap₽2.66t
Earnings (TTM)₽1.16t
Revenue (TTM)₽2.43t

2.3x

P/E Ratio

0.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
SBRC.Y income statement (TTM)
Revenue₽2.43t
Cost of Revenue₽47.50b
Gross Profit₽2.38t
Other Expenses₽1.23t
Earnings₽1.16t

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

Jul 07, 2022

Earnings per share (EPS)51.56
Gross Margin98.05%
Net Profit Margin47.64%
Debt/Equity Ratio90.3%

How did SBRC.Y perform over the long term?

See historical performance and comparison

Dividends

15.8%

Current Dividend Yield

35%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is SBRC.Y undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SBRC.Y?

Other financial metrics that can be useful for relative valuation.

SBRC.Y key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.3x

Price to Earnings Ratio vs Peers

How does SBRC.Y's PE Ratio compare to its peers?

Insufficient data to calculate this valuation analysis check
SBRC.Y PE Ratio vs Peers
The above table shows the PE ratio for SBRC.Y vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Averagen/a
SBRC.Y Sberbank of Russia
2.3x8.6%US$2.7t

Price-To-Earnings vs Peers: Insufficient data to calculate SBRC.Y's Price-To-Earnings Ratio vs. peers for valuation analysis.


Price to Earnings Ratio vs Industry

How does SBRC.Y's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: SBRC.Y is good value based on its Price-To-Earnings Ratio (2.3x) compared to the US Banks industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is SBRC.Y's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SBRC.Y PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio2.3x
Fair PE Ratio15.5x

Price-To-Earnings vs Fair Ratio: SBRC.Y is good value based on its Price-To-Earnings Ratio (2.3x) compared to the estimated Fair Price-To-Earnings Ratio (15.5x).


Share Price vs Fair Value

What is the Fair Price of SBRC.Y when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: SBRC.Y ($0.52) is trading below our estimate of fair value ($2.18)

Significantly Below Fair Value: SBRC.Y is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: SBRC.Y is good value based on its PEG Ratio (0.3x)


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Future Growth

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

Future Growth Score

3/6

Future Growth Score 3/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


8.6%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: SBRC.Y's forecast earnings growth (8.6% per year) is above the savings rate (1.9%).

Earnings vs Market: SBRC.Y's earnings (8.6% per year) are forecast to grow slower than the US market (13.7% per year).

High Growth Earnings: SBRC.Y's earnings are forecast to grow, but not significantly.

Revenue vs Market: SBRC.Y's revenue (12.2% per year) is forecast to grow faster than the US market (8.3% per year).

High Growth Revenue: SBRC.Y's revenue (12.2% 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 high in 3 years time (20.4%)


Discover growth companies

Past Performance

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

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


10.1%

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 (47.6%) are higher than last year (41.9%).


Past Earnings Growth Analysis

Earnings Trend: SBRC.Y's earnings have grown by 10.1% per year over the past 5 years.

Accelerating Growth: SBRC.Y's earnings growth over the past year (52.4%) exceeds its 5-year average (10.1% per year).

Earnings vs Industry: SBRC.Y earnings growth over the past year (52.4%) exceeded the Banks industry 20.4%.


Return on Equity

High ROE: SBRC.Y's Return on Equity (20.9%) is considered high.


Discover strong past performing companies

Financial Health

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

Financial Health Score

5/6

Financial Health Score 5/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: SBRC.Y's Assets to Equity ratio (7.3x) is low.

Allowance for Bad Loans: SBRC.Y has a sufficient allowance for bad loans (176%).

Low Risk Liabilities: 78% 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 (99%) is appropriate.

Level of Bad Loans: SBRC.Y has a high level of bad loans (2.8%).


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Dividend

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

Dividend Score

5/6

Dividend Score 5/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


15.81%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: SBRC.Y's dividend (15.81%) is higher than the bottom 25% of dividend payers in the US market (1.63%).

High Dividend: SBRC.Y's dividend (15.81%) is in the top 25% of dividend payers in the US market (4.33%)


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

Earnings Coverage: With its reasonably low payout ratio (34.7%), SBRC.Y's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: SBRC.Y's dividends in 3 years are forecast to be well covered by earnings (48% payout ratio).


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

3.8yrs

Average management tenure


CEO

Herman Gref (57 yo)

14.42yrs

Tenure

Mr. Herman Oskarovich Gref has been the Chairman of the Executive Board of Sberbank of Russia since November 2007 and has been its Member of Supervisory Board since June 24, 2005. He has been Chief Executi...


Leadership Team

Experienced Management: SBRC.Y's management team is considered experienced (3.8 years average tenure).


Board Members

Experienced Board: SBRC.Y's board of directors are considered experienced (3.8 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 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
  • Implied Market Cap: ₽2.657t
  • Listing Market Cap: ₽42.337b
  • Shares outstanding: 22.46b
  • Website: https://www.sberbank.ru

Number of Employees


Location

  • Sberbank of Russia
  • 19 Vavilova Street
  • Moscow
  • 117312
  • Russia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/31 00:00
End of Day Share Price2022/03/03 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.