Company Analysis Т-Банк (Тинькофф)
1. Summary
Advantages
- Dividends (3.99%) are higher than the sector average (3.92%).
- The stock's return over the last year (9.05%) is higher than the sector average (-13.65%).
- Current debt level 1.36% is below 100% and has decreased over 5 years from 7.27%.
- The company's current efficiency (ROE=30.36%) is higher than the sector average (ROE=17.86%)
Disadvantages
- Price (3154.2 ₽) is higher than fair price (1879.17 ₽)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Т-Банк (Тинькофф) | Банки | Index | |
|---|---|---|---|
| 7 days | -0.4% | 0.1% | 0.7% |
| 90 days | -13.2% | -1.8% | -14.8% |
| 1 year | 9% | -13.6% | -11.9% |
T vs Sector: Т-Банк (Тинькофф) has outperformed the "Банки" sector by 22.7% over the past year.
T vs Market: Т-Банк (Тинькофф) has outperformed the market by 20.97% 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 0.174% 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 (3154.2 ₽) is higher than the fair price (1879.17 ₽).
Price is higher than fair: The current price (3154.2 ₽) is 40.4% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (3.81) is lower than that of the sector as a whole (6.56).
P/E vs Market: The company's P/E (3.81) is lower than that of the market as a whole (8.93).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.8943) is higher than that of the sector as a whole (0.6599).
P/BV vs Market: The company's P/BV (0.8943) is lower than that of the market as a whole (1.53).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (0.8138) is lower than that of the sector as a whole (1.15).
P/S vs Market: The company's P/S indicator (0.8138) is lower than that of the market as a whole (1.15).
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 (-18.9).
EV/Ebitda vs Market: The company's EV/Ebitda (0.634) is higher than that of the market as a whole (-2.27).
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 35.3% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (35.3%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-10.05%).
5.4. ROE
ROE vs Sector: The company's ROE (30.36%) is higher than that of the sector as a whole (17.86%).
ROE vs Market: The company's ROE (30.36%) is higher than that of the market as a whole (6.02%).
5.5. ROA
ROA vs Sector: The company's ROA (3.31%) is higher than that of the sector as a whole (2.14%).
ROA vs Market: The company's ROA (3.31%) is lower than that of the market as a whole (7.34%).
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 3.99% is higher than the average for the sector '3.92%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 3.99% has not been consistently paid over the past 7 years, DSI=0.57.
Weak dividend growth: The company's dividend yield 3.99% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (17.86%) are at an uncomfortable level.
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