Credit Bank of Moscow (public joint-stock company) Logo

Credit Bank of Moscow (public joint-stock company)

CBOM.ME

(2.2)
Stock Price

6,78 RUB

1% ROA

14.25% ROE

3.83x PER

Market Cap.

163.012.594.229,00 RUB

420.45% DER

0% Yield

42.79% NPM

Credit Bank of Moscow (public joint-stock company) Stock Analysis

Credit Bank of Moscow (public joint-stock company) Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Credit Bank of Moscow (public joint-stock company) Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.56x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 ROE

The stock's ROE falls within an average range (10.37%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.69%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 DER

The stock has a reasonable amount of debt compared to its ownership (87%), suggesting a balanced financial position and a moderate level of risk.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (11) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Credit Bank of Moscow (public joint-stock company) Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Credit Bank of Moscow (public joint-stock company) Technical Stock Analysis
# Analysis Recommendation

Credit Bank of Moscow (public joint-stock company) Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Credit Bank of Moscow (public joint-stock company) Revenue
Year Revenue Growth
2004 982.105.226
2005 1.153.814.174 14.88%
2006 1.567.962.551 26.41%
2007 2.288.644.844 31.49%
2008 4.179.421.875 45.24%
2009 5.840.512.000 28.44%
2010 8.557.702.000 31.75%
2011 11.088.748.000 22.83%
2012 16.322.715.000 32.07%
2013 25.029.701.000 34.79%
2014 28.776.274.000 13.02%
2015 40.483.257.000 28.92%
2016 135.551.987.000 70.13%
2017 147.918.000.000 8.36%
2018 153.881.000.000 3.88%
2019 42.896.000.000 -258.73%
2020 82.080.000.000 47.74%
2021 71.915.000.000 -14.13%
2022 69.905.000.000 -2.88%
2023 107.664.000.000 35.07%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Credit Bank of Moscow (public joint-stock company) Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Credit Bank of Moscow (public joint-stock company) General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 209.972.291
2005 254.024.197 17.34%
2006 383.377.411 33.74%
2007 502.849.841 23.76%
2008 844.542.255 40.46%
2009 868.148.000 2.72%
2010 1.287.388.000 32.57%
2011 1.862.731.000 30.89%
2012 435.290.000 -327.93%
2013 514.335.000 15.37%
2014 638.382.000 19.43%
2015 915.494.000 30.27%
2016 1.234.622.000 25.85%
2017 1.188.000.000 -3.92%
2018 1.355.000.000 12.32%
2019 1.449.000.000 6.49%
2020 1.356.000.000 -6.86%
2021 7.973.000.000 82.99%
2022 10.934.000.000 27.08%
2023 18.504.000.000 40.91%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Credit Bank of Moscow (public joint-stock company) EBITDA
Year EBITDA Growth
2004 542.077.542
2005 1.010.981.245 46.38%
2006 1.387.380.894 27.13%
2007 2.451.994.883 43.42%
2008 4.940.813.019 50.37%
2009 6.750.363.000 26.81%
2010 12.411.278.000 45.61%
2011 17.358.426.000 28.5%
2012 23.880.023.000 27.31%
2013 36.297.490.000 34.21%
2014 39.848.146.000 8.91%
2015 62.484.873.000 36.23%
2016 88.314.999.000 29.25%
2017 110.359.000.000 19.97%
2018 125.638.000.000 12.16%
2019 17.016.000.000 -638.35%
2020 39.424.000.000 56.84%
2021 34.418.000.000 -14.54%
2022 10.635.000.000 -223.63%
2023 -3.540.000.000 400.42%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Credit Bank of Moscow (public joint-stock company) Gross Profit
Year Gross Profit Growth
2004 982.105.226
2005 1.153.814.174 14.88%
2006 1.567.962.551 26.41%
2007 2.288.644.844 31.49%
2008 4.179.421.875 45.24%
2009 5.840.512.000 28.44%
2010 8.557.702.000 31.75%
2011 11.088.748.000 22.83%
2012 16.322.715.000 32.07%
2013 25.029.701.000 34.79%
2014 28.776.274.000 13.02%
2015 40.483.257.000 28.92%
2016 60.206.134.000 32.76%
2017 63.237.000.000 4.79%
2018 51.731.000.000 -22.24%
2019 42.896.000.000 -20.6%
2020 82.080.000.000 47.74%
2021 71.915.000.000 -14.13%
2022 69.905.000.000 -2.88%
2023 107.664.000.000 35.07%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Credit Bank of Moscow (public joint-stock company) Net Profit
Year Net Profit Growth
2004 149.307.473
2005 313.456.491 52.37%
2006 295.758.064 -5.98%
2007 490.762.577 39.74%
2008 1.193.073.654 58.87%
2009 779.962.000 -52.97%
2010 3.021.376.000 74.19%
2011 3.885.534.000 22.24%
2012 5.777.882.000 32.75%
2013 8.880.063.000 34.93%
2014 5.569.333.000 -59.45%
2015 1.509.471.000 -268.96%
2016 10.873.617.000 86.12%
2017 20.703.000.000 47.48%
2018 27.224.000.000 23.95%
2019 11.957.000.000 -127.68%
2020 30.009.000.000 60.16%
2021 26.199.000.000 -14.54%
2022 7.467.000.000 -250.86%
2023 45.856.000.000 83.72%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Credit Bank of Moscow (public joint-stock company) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 100%
2019 0 0%
2020 1 0%
2021 1 0%
2022 0 0%
2023 1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Credit Bank of Moscow (public joint-stock company) Free Cashflow
Year Free Cashflow Growth
2004 -122.631.574
2005 1.198.532.089 110.23%
2006 709.771.978 -68.86%
2007 4.306.775.735 83.52%
2008 4.935.050.948 12.73%
2009 -9.762.325.000 150.55%
2010 2.565.908.000 480.46%
2011 -9.069.091.000 128.29%
2012 -2.385.343.000 -280.2%
2013 -1.676.435.000 -42.29%
2014 830.922.000 301.76%
2015 49.099.866.000 98.31%
2016 197.225.908.000 75.1%
2017 467.200.000.000 57.79%
2018 296.447.000.000 -57.6%
2019 -234.610.000.000 226.36%
2020 -189.789.000.000 -23.62%
2021 682.499.000.000 127.81%
2022 0 0%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Credit Bank of Moscow (public joint-stock company) Operating Cashflow
Year Operating Cashflow Growth
2004 -77.894.734
2005 1.231.208.355 106.33%
2006 1.644.922.289 25.15%
2007 4.911.998.808 66.51%
2008 5.046.362.333 2.66%
2009 -9.652.321.000 152.28%
2010 3.967.489.000 343.29%
2011 -8.262.879.000 148.02%
2012 -1.772.699.000 -366.12%
2013 -1.103.705.000 -60.61%
2014 2.239.690.000 149.28%
2015 49.576.460.000 95.48%
2016 198.138.868.000 74.98%
2017 469.180.000.000 57.77%
2018 297.792.000.000 -57.55%
2019 -233.099.000.000 227.75%
2020 -189.044.000.000 -23.3%
2021 682.499.000.000 127.7%
2022 0 0%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Credit Bank of Moscow (public joint-stock company) Capital Expenditure
Year Capital Expenditure Growth
2004 44.736.840
2005 32.676.266 -36.91%
2006 935.150.311 96.51%
2007 605.223.072 -54.51%
2008 111.311.384 -443.72%
2009 110.004.000 -1.19%
2010 1.401.581.000 92.15%
2011 806.212.000 -73.85%
2012 612.644.000 -31.6%
2013 572.730.000 -6.97%
2014 1.408.768.000 59.35%
2015 476.594.000 -195.59%
2016 912.960.000 47.8%
2017 1.980.000.000 53.89%
2018 1.345.000.000 -47.21%
2019 1.511.000.000 10.99%
2020 745.000.000 -102.82%
2021 0 0%
2022 0 0%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Credit Bank of Moscow (public joint-stock company) Equity
Year Equity Growth
2004 2.644.044.223
2005 2.952.072.134 10.43%
2006 4.062.100.286 27.33%
2007 5.474.277.698 25.8%
2008 6.463.211.170 15.3%
2009 11.043.446.000 41.47%
2010 13.767.095.000 19.78%
2011 25.607.906.000 46.24%
2012 39.292.293.000 34.83%
2013 50.658.047.000 22.44%
2014 59.987.490.000 15.55%
2015 92.338.462.000 35.04%
2016 103.400.575.000 10.7%
2017 137.269.000.000 24.67%
2018 144.482.000.000 4.99%
2019 210.432.000.000 31.34%
2020 234.496.000.000 10.26%
2021 281.413.000.000 16.67%
2022 273.776.000.000 -2.79%
2023 347.932.000.000 21.31%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Credit Bank of Moscow (public joint-stock company) Assets
Year Assets Growth
2004 11.067.700.421
2005 18.798.394.155 41.12%
2006 28.825.659.583 34.79%
2007 42.304.048.633 31.86%
2008 60.740.054.630 30.35%
2009 87.059.000.000 30.23%
2010 165.470.643.000 47.39%
2011 232.370.753.000 28.79%
2012 308.727.385.000 24.73%
2013 454.202.118.000 32.03%
2014 584.838.992.000 22.34%
2015 1.208.200.628.000 51.59%
2016 1.567.968.622.000 22.94%
2017 1.888.191.000.000 16.96%
2018 2.145.927.000.000 12.01%
2019 2.423.497.000.000 11.45%
2020 2.916.465.000.000 16.9%
2021 3.419.535.000.000 14.71%
2022 3.973.074.000.000 13.93%
2023 4.667.018.000.000 14.87%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Credit Bank of Moscow (public joint-stock company) Liabilities
Year Liabilities Growth
2004 8.423.656.198
2005 15.846.322.020 46.84%
2006 24.763.559.297 36.01%
2007 36.829.770.935 32.76%
2008 54.276.843.459 32.14%
2009 76.015.554.000 28.6%
2010 151.703.548.000 49.89%
2011 206.762.847.000 26.63%
2012 269.435.092.000 23.26%
2013 403.544.071.000 33.23%
2014 524.851.502.000 23.11%
2015 1.115.862.166.000 52.96%
2016 1.464.568.047.000 23.81%
2017 1.750.922.000.000 16.35%
2018 2.001.445.000.000 12.52%
2019 2.213.065.000.000 9.56%
2020 2.681.969.000.000 17.48%
2021 262.160.000.000 -923.03%
2022 1.185.262.000.000 77.88%
2023 1.462.888.000.000 18.98%

Credit Bank of Moscow (public joint-stock company) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3
Net Income per Share
1.28
Price to Earning Ratio
3.83x
Price To Sales Ratio
1.49x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.52
EV to Sales
2.26
EV Over EBITDA
5.62
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.26
FreeCashFlow Yield
0
Market Cap
163,01 Bil.
Enterprise Value
246,86 Bil.
Graham Number
16.6
Graham NetNet
-2.3

Income Statement Metrics

Net Income per Share
1.28
Income Quality
0
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.82
EBT Per Ebit
0.98
Ebit per Revenue
0.53
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.53
Pretax Profit Margin
0.52
Net Profit Margin
0.43

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
37,83
Book Value per Share
87,89
Tangible Book Value per Share
87.89
Shareholders Equity per Share
9.54
Interest Debt per Share
43.82
Debt to Equity
4.2
Debt to Assets
0.31
Net Debt to EBITDA
1.91
Current Ratio
0
Tangible Asset Value
3.204,13 Bil.
Net Current Asset Value
-83,85 Bil.
Invested Capital
1394670000000
Working Capital
1.379,04 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
8.97

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Credit Bank of Moscow (public joint-stock company) Dividends
Year Dividends Growth
2019 0

Credit Bank of Moscow (public joint-stock company) Profile

About Credit Bank of Moscow (public joint-stock company)

Credit Bank of Moscow (public joint-stock company) provides various banking products and services in Russia. The company operates through six segments: Corporate Business, Retail Banking, Investment, Treasury, Cash Operations, and Subsidiary Banks. It accepts corporate and retail demand, and term deposit services; and offers banking cards. The company also provides corporate and overdraft lending, cash loans, car loans and mortgages, factoring, financial and operating leasing, letters of credit, guarantees, international finance and foreign trade support, trade finance and documentary operations, cash management and liquidity management, e-commerce tools, and settlement and money transfer services, as well as private banking services. In addition, it offers securities trading and brokerage in securities, repo transactions, hedging operations, structured financing, foreign exchange, investment and asset management, depository, brokerage, mergers and acquisitions advisory, private equity and special situations, and pre-IPO financing services. Further, the company engages in providing interbank lending and borrowings from banks, as well as issuing domestic bonds and promissory notes; and cash handling, calculation, and transportation activities. It operates through 132 branches, 1,008 ATMs, and 6,784 payment terminals. The company was founded in 1992 and is based in Moscow, Russia. Credit Bank of Moscow (public joint-stock company) operates as a subsidiary of Limited Liability Company Concern ROSSIUM.

CEO
Mr. Vladimir Alexandrovich Ch
Employee
9.305
Address
Building 1
Moscow, 107045

Credit Bank of Moscow (public joint-stock company) Executives & BODs

Credit Bank of Moscow (public joint-stock company) Executives & BODs
# Name Age
1 Mr. Sergey Evgenyevich Putyatinsky
Deputy Chairman of the Management Board
70
2 Mr. Nikolay Valeryevich Katorzhnov
First Deputy Chairman of the Management Board
70
3 Mikhail Pavlov
Chief Financial Officer
70
4 Mr. Kamil Raifovich Yusupov
Deputy Chairman of the Management Board
70
5 Mr. Sergey Lukyanov
Head of Investor Relations
70
6 Mr. Kaznacheev Nikolaevich Alexander
Deputy Chairman of the Management Board
70
7 Mr. Vladimir Alexandrovich Chubar
Chairman of the Management Board & Member of the Supervisory Board
70
8 Mr. Eric de Beauchamp
Senior Vice President of IR
70
9 Mr. Taymuraz Alikhanovich Kaloev
Deputy Chairman of the Management Board
70
10 Ms. Svetlana Vladimirovna Sass
Chief Accountant & Member of the Management Board
70

Credit Bank of Moscow (public joint-stock company) Competitors