Sberbank of Russia Logo

Sberbank of Russia

SBER.ME

(2.5)
Stock Price

230,65 RUB

2.85% ROA

24.75% ROE

3.56x PER

Market Cap.

5.650.442.980.000,00 RUB

75.87% DER

12.68% Yield

22.95% NPM

Sberbank of Russia Stock Analysis

Sberbank of Russia 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.

Sberbank of Russia Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.5x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (18%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

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

4 ROE

The stock's ROE falls within an average range (12.56%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.64%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

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

Based on Warren Buffett's formula, the company's stock appears undervalued (183), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

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

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Sberbank of Russia 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.

Sberbank of Russia Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Sberbank of Russia 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.

Sberbank of Russia Revenue
Year Revenue Growth
2004 129.465.526.000
2005 221.596.408.000 41.58%
2006 268.011.000.000 17.32%
2007 353.146.000.000 24.11%
2008 453.511.000.000 22.13%
2009 648.073.000.000 30.02%
2010 0 0%
2011 745.899.000.000 100%
2012 988.700.000.000 24.56%
2013 1.183.800.000.000 16.48%
2014 1.384.900.000.000 14.52%
2015 3.109.200.000.000 55.46%
2016 3.086.100.000.000 -0.75%
2017 2.984.700.000.000 -3.4%
2018 3.179.500.000.000 6.13%
2019 2.305.500.000.000 -37.91%
2020 2.498.000.000.000 7.71%
2021 2.548.000.000.000 1.96%
2022 2.150.000.000.000 -18.51%
2023 2.860.083.304.000 24.83%
2023 3.061.000.000.000 6.56%
2024 7.786.800.000.000 60.69%

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.

Sberbank of Russia 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%
2023 0 0%
2024 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.

Sberbank of Russia General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 25.933.551.000
2005 33.645.118.000 22.92%
2006 0 0%
2007 27.576.000.000 100%
2008 34.293.000.000 19.59%
2009 36.346.000.000 5.65%
2010 0 0%
2011 72.025.000.000 100%
2012 57.100.000.000 -26.14%
2013 55.500.000.000 -2.88%
2014 65.300.000.000 15.01%
2015 75.900.000.000 13.97%
2016 81.200.000.000 6.53%
2017 78.000.000.000 -4.1%
2018 73.300.000.000 -6.41%
2019 724.600.000.000 89.88%
2020 75.600.000.000 -858.47%
2021 834.400.000.000 90.94%
2022 822.000.000.000 -1.51%
2023 959.093.192.000 14.29%
2023 0 0%
2024 0 0%

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.

Sberbank of Russia EBITDA
Year EBITDA Growth
2004 116.732.160.000
2005 187.446.262.000 37.72%
2006 231.050.000.000 18.87%
2007 333.190.000.000 30.66%
2008 392.965.000.000 15.21%
2009 370.729.000.000 -6%
2010 262.977.002.772 -40.97%
2011 729.129.000.000 63.93%
2012 -27.300.000.000 2770.8%
2013 -38.700.000.000 29.46%
2014 -35.500.000.000 -9.01%
2015 -40.800.000.000 12.99%
2016 -79.000.000.000 48.35%
2017 -81.400.000.000 2.95%
2018 -97.300.000.000 16.34%
2019 1.068.800.000.000 109.1%
2020 1.067.900.000.000 -0.08%
2021 1.540.000.000.000 30.66%
2022 2.139.600.000.000 28.02%
2023 1.926.357.352.000 -11.07%
2023 -182.600.000.000 1154.96%
2024 0 0%

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.

Sberbank of Russia Gross Profit
Year Gross Profit Growth
2004 129.465.526.000
2005 221.596.408.000 41.58%
2006 268.011.000.000 17.32%
2007 353.146.000.000 24.11%
2008 453.511.000.000 22.13%
2009 648.073.000.000 30.02%
2010 0 0%
2011 745.899.000.000 100%
2012 988.700.000.000 24.56%
2013 1.183.800.000.000 16.48%
2014 1.384.900.000.000 14.52%
2015 1.715.600.000.000 19.28%
2016 1.996.700.000.000 14.08%
2017 2.267.400.000.000 11.94%
2018 2.292.400.000.000 1.09%
2019 2.305.500.000.000 0.57%
2020 2.498.000.000.000 7.71%
2021 2.548.000.000.000 1.96%
2022 2.150.000.000.000 -18.51%
2023 2.860.083.304.000 24.83%
2023 442.500.000.000 -546.35%
2024 7.786.800.000.000 94.32%

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.

Sberbank of Russia Net Profit
Year Net Profit Growth
2004 18.167.637.000
2005 65.807.532.000 72.39%
2006 82.804.000.000 20.53%
2007 106.489.000.000 22.24%
2008 97.746.000.000 -8.94%
2009 24.396.000.000 -300.66%
2010 182.131.000.219 86.61%
2011 316.195.000.000 42.4%
2012 348.800.000.000 9.35%
2013 363.800.000.000 4.12%
2014 292.200.000.000 -24.5%
2015 223.300.000.000 -30.86%
2016 540.500.000.000 58.69%
2017 750.400.000.000 27.97%
2018 832.900.000.000 9.91%
2019 844.900.000.000 1.42%
2020 761.100.000.000 -11.01%
2021 1.250.700.000.000 39.15%
2022 413.800.000.000 -202.25%
2023 1.510.459.000.000 72.6%
2023 1.477.900.000.000 -2.2%
2024 1.674.800.000.000 11.76%

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.

Sberbank of Russia Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 3 100%
2006 4 25%
2007 5 20%
2008 5 -25%
2009 1 -300%
2010 8 87.5%
2011 15 42.86%
2012 16 12.5%
2013 17 0%
2014 13 -23.08%
2015 10 -44.44%
2016 24 62.5%
2017 33 27.27%
2018 37 10.81%
2019 40 7.5%
2020 33 -25%
2021 57 42.86%
2022 19 -194.74%
2023 0 0%
2023 69 100%
2024 72 4.17%

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.

Sberbank of Russia Free Cashflow
Year Free Cashflow Growth
2004 46.025.881.000
2005 -41.097.910.000 211.99%
2006 7.807.000.000 626.42%
2007 -228.065.000.000 103.42%
2008 329.473.000.000 169.22%
2009 512.465.000.000 35.71%
2010 846.869.934.137 39.49%
2011 -353.605.000.000 339.5%
2012 774.600.000.000 145.65%
2013 278.600.000.000 -178.03%
2014 702.900.000.000 60.36%
2015 653.200.000.000 -7.61%
2016 1.103.300.000.000 40.8%
2017 -364.500.000.000 402.69%
2018 1.116.800.000.000 132.64%
2019 327.000.000.000 -241.53%
2020 499.800.000.000 34.57%
2021 1.645.400.000.000 69.62%
2022 299.600.000.000 -449.2%
2023 0 0%
2024 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.

Sberbank of Russia Operating Cashflow
Year Operating Cashflow Growth
2004 62.316.746.000
2005 -15.086.235.000 513.07%
2006 42.607.000.000 135.41%
2007 -185.525.000.000 122.97%
2008 390.065.000.000 147.56%
2009 564.963.000.000 30.96%
2010 909.951.945.753 37.91%
2011 -244.253.000.000 472.54%
2012 919.000.000.000 126.58%
2013 403.100.000.000 -127.98%
2014 829.900.000.000 51.43%
2015 727.500.000.000 -14.08%
2016 1.215.400.000.000 40.14%
2017 -248.200.000.000 589.69%
2018 1.294.700.000.000 119.17%
2019 532.800.000.000 -143%
2020 663.900.000.000 19.75%
2021 1.945.000.000.000 65.87%
2022 299.600.000.000 -549.2%
2023 0 0%
2024 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.

Sberbank of Russia Capital Expenditure
Year Capital Expenditure Growth
2004 16.290.865.000
2005 26.011.675.000 37.37%
2006 34.800.000.000 25.25%
2007 42.540.000.000 18.19%
2008 60.592.000.000 29.79%
2009 52.498.000.000 -15.42%
2010 63.082.011.615 16.78%
2011 109.352.000.000 42.31%
2012 144.400.000.000 24.27%
2013 124.500.000.000 -15.98%
2014 127.000.000.000 1.97%
2015 74.300.000.000 -70.93%
2016 112.100.000.000 33.72%
2017 116.300.000.000 3.61%
2018 177.900.000.000 34.63%
2019 205.800.000.000 13.56%
2020 164.100.000.000 -25.41%
2021 299.600.000.000 45.23%
2022 0 0%
2023 0 0%
2024 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.

Sberbank of Russia Equity
Year Equity Growth
2004 153.318.584.000
2005 231.068.516.000 33.65%
2006 308.524.000.000 25.11%
2007 637.197.000.000 51.58%
2008 750.162.000.000 15.06%
2009 778.936.000.000 3.69%
2010 987.166.993.590 21.09%
2011 1.267.971.000.000 22.15%
2012 1.623.800.000.000 21.91%
2013 1.881.400.000.000 13.69%
2014 2.020.100.000.000 6.87%
2015 2.375.000.000.000 14.94%
2016 2.821.600.000.000 15.83%
2017 3.436.000.000.000 17.88%
2018 3.855.800.000.000 10.89%
2019 4.486.700.000.000 14.06%
2020 5.046.500.000.000 11.09%
2021 5.644.500.000.000 10.59%
2022 5.814.800.000.000 2.93%
2023 5.693.198.552.000 -2.14%
2023 6.584.400.000.000 13.54%
2024 6.265.300.000.000 -5.09%

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.

Sberbank of Russia Assets
Year Assets Growth
2004 1.922.219.956.000
2005 2.513.127.517.000 23.51%
2006 3.466.673.000.000 27.51%
2007 4.928.808.000.000 29.67%
2008 6.736.482.000.000 26.83%
2009 7.105.066.000.000 5.19%
2010 8.628.527.002.255 17.66%
2011 10.835.099.000.000 20.37%
2012 15.097.400.000.000 28.23%
2013 18.210.300.000.000 17.09%
2014 25.200.800.000.000 27.74%
2015 27.334.700.000.000 7.81%
2016 25.368.500.000.000 -7.75%
2017 27.112.200.000.000 6.43%
2018 31.197.500.000.000 13.09%
2019 29.958.900.000.000 -4.13%
2020 36.016.000.000.000 16.82%
2021 41.165.500.000.000 12.51%
2022 41.871.800.000.000 1.69%
2023 44.512.025.238.000 5.93%
2023 52.307.200.000.000 14.9%
2024 55.427.600.000.000 5.63%

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.

Sberbank of Russia Liabilities
Year Liabilities Growth
2004 1.768.901.372.000
2005 2.282.059.001.000 22.49%
2006 3.158.149.000.000 27.74%
2007 4.291.611.000.000 26.41%
2008 5.986.320.000.000 28.31%
2009 6.326.130.000.000 5.37%
2010 7.641.360.008.663 17.21%
2011 9.567.128.000.000 20.13%
2012 13.473.600.000.000 28.99%
2013 16.328.900.000.000 17.49%
2014 23.180.700.000.000 29.56%
2015 24.959.700.000.000 7.13%
2016 22.546.900.000.000 -10.7%
2017 23.676.200.000.000 4.77%
2018 27.341.700.000.000 13.41%
2019 1.374.200.000.000 -1889.64%
2020 30.969.500.000.000 95.56%
2021 1.528.800.000.000 -1925.74%
2022 1.221.900.000.000 -25.12%
2023 1.003.038.462.000 -21.82%
2023 6.024.000.000.000 83.35%
2024 49.162.300.000.000 87.75%

Sberbank of Russia Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
321.33
Net Income per Share
73.74
Price to Earning Ratio
3.56x
Price To Sales Ratio
0.82x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.9
EV to Sales
1.88
EV Over EBITDA
-94.11
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.28
FreeCashFlow Yield
0
Market Cap
5.650,44 Bil.
Enterprise Value
12.930,04 Bil.
Graham Number
697.07
Graham NetNet
-2415.29

Income Statement Metrics

Net Income per Share
73.74
Income Quality
0
ROE
0.25
Return On Assets
0.03
Return On Capital Employed
0.08
Net Income per EBT
0.78
EBT Per Ebit
0.62
Ebit per Revenue
0.47
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.72
Operating Profit Margin
0.47
Pretax Profit Margin
0.3
Net Profit Margin
0.23

Dividends

Dividend Yield
0.13
Dividend Yield %
12.68
Payout Ratio
0
Dividend Per Share
33.3

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
0.23
Return on Tangible Assets
0.03
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
-117,98
Book Value per Share
292,77
Tangible Book Value per Share
292.77
Shareholders Equity per Share
292.85
Interest Debt per Share
224.43
Debt to Equity
0.76
Debt to Assets
0.09
Net Debt to EBITDA
-52.98
Current Ratio
0.24
Tangible Asset Value
6.265,30 Bil.
Net Current Asset Value
-45.331,10 Bil.
Invested Capital
-10969400000000
Working Capital
-12.042,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.84

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.

Sberbank of Russia Dividends
Year Dividends Growth
2012 2
2013 3 0%
2014 3 33.33%
2015 0 0%
2016 2 100%
2017 6 83.33%
2018 12 50%
2019 16 25%
2020 56 71.43%
2021 19 -211.11%
2023 25 28%
2024 33 24.24%

Sberbank of Russia Profile

About Sberbank of Russia

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. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.

CEO
Mr. Herman Oskarovich Gref
Employee
209.437
Address
19 Vavilova Street
Moscow, 117312

Sberbank of Russia Executives & BODs

Sberbank of Russia Executives & BODs
# Name Age
1 Mr. Anatoly Popov
Deputy Chairman of Executive Board, Senior Vice President & Head of the Corporate Business Block
70
2 Dr. Alexander A. Vedyakhin
First Deputy Chairman of Executive Board, Senior Vice President & Head of the Risk Management Service
70
3 Ms. Anastasia E. Belyanina
Head of Investor Relations
70
4 Ms. Olga Yuryevna
Deputy Chair of Executive Board
70
5 Mr. Herman Oskarovich Gref
Chairman of the Executive Board, Chief Executive Officer & Member of Supervisory Board
70
6 Mr. Alexey Ye. Minenko
Senior MD & Deputy Chief Accountant
70
7 Mr. Stanislav K. Kuznetsov
Deputy Chairman of the Executive Board
70
8 Taras Skvortsov
Senior Vice President & Chief Financial Officer
70
9 Mr. Kirill Tsarev
First Deputy Chair of the Executive Board
70
10 Ms. Bella Ilinichna Zlatkis
Deputy Chairman of Executive Board & Supervisory Board Member
70

Sberbank of Russia Competitors