Company Analysis Т-Банк (Тинькофф Банк)
1. Summary
Advantages
- Dividends (3.87%) are higher than the sector average (3.8%).
- Current debt level 4.36% is below 100% and has decreased over 5 years from 7.06%.
Disadvantages
- Price (2288.4 ₽) is higher than fair price (1179.99 ₽)
- The stock's return over the last year (-23.88%) is lower than the sector average (-13.91%).
- The company's current efficiency (ROE=0%) is lower than the sector average (ROE=21.34%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Т-Банк (Тинькофф Банк) | Банки | Index | |
|---|---|---|---|
| 7 days | -2.6% | 3.8% | -2% |
| 90 days | -1.7% | -11.8% | -7.2% |
| 1 year | -23.9% | -13.9% | -17.4% |
T vs Sector: Т-Банк (Тинькофф Банк) has significantly underperformed the "Банки" sector by -9.97% over the past year.
T vs Market: Т-Банк (Тинькофф Банк) has significantly underperformed the market by -6.48% over the past year.
Stable price: T is not significantly more volatile than the rest of the market on "Московская биржа" over the last 3 months, with typical variations of +/- 5% per week.
Long period: T with weekly volatility of -0.4593% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (2288.4 ₽) is higher than the fair price (1179.99 ₽).
Price is higher than fair: The current price (2288.4 ₽) is 48.4% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (6.47) is higher than that of the sector as a whole (4.36).
P/E vs Market: The company's P/E (6.47) is lower than that of the market as a whole (14.68).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.98) is higher than that of the sector as a whole (0.5307).
P/BV vs Market: The company's P/BV (1.98) is lower than that of the market as a whole (10.15).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (2.03) is higher than that of the sector as a whole (1.49).
P/S vs Market: The company's P/S indicator (2.03) is higher than that of the market as a whole (1.91).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (0.634) is higher than that of the sector as a whole (-61.43).
EV/Ebitda vs Market: The company's EV/Ebitda (0.634) is lower than that of the market as a whole (2.22).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 19.04% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (19.04%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-0.2406%).
5.4. ROE
ROE vs Sector: The company's ROE (0%) is lower than that of the sector as a whole (21.34%).
ROE vs Market: The company's ROE (0%) is lower than that of the market as a whole (68.42%).
5.5. ROA
ROA vs Sector: The company's ROA (0%) is lower than that of the sector as a whole (2.3%).
ROA vs Market: The company's ROA (0%) is lower than that of the market as a whole (17.61%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (0%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (16.32%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 3.87% is higher than the average for the sector '3.8%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 3.87% has not been consistently paid over the past 7 years, DSI=0.64.
Weak dividend growth: The company's dividend yield 3.87% has been growing weakly or stagnant over the past 5 years. Growth over only 1 year.
7.3. Payout percentage
Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.
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