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Company Analysis Займер
1. Summary
Advantages
- Dividends (12.24%) are higher than the sector average (10.13%).
- The stock's return over the last year (4.59%) is higher than the sector average (-8.25%).
- The company's current efficiency (ROE=31.5%) is higher than the sector average (ROE=17.84%)
Disadvantages
- Price (144.65 ₽) is higher than fair price (106.93 ₽)
- Current debt level 0.4277% has increased over 5 years from 0%.
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Займер | Банки | Index | |
|---|---|---|---|
| 7 days | -1.1% | -0.3% | -3.9% |
| 90 days | -0% | -7.8% | 0.4% |
| 1 year | 4.6% | -8.2% | 1.5% |
ZAYM vs Sector: Займер has outperformed the "Банки" sector by 12.84% over the past year.
ZAYM vs Market: Займер has outperformed the market by 3.07% over the past year.
Stable price: ZAYM 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: ZAYM with weekly volatility of 0.0883% 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 (144.65 ₽) is higher than the fair price (106.93 ₽).
Price is higher than fair: The current price (144.65 ₽) is 26.1% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (3.51) is lower than that of the sector as a whole (9.29).
P/E vs Market: The company's P/E (3.51) is lower than that of the market as a whole (8.78).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.13) is lower than that of the sector as a whole (1.31).
P/BV vs Market: The company's P/BV (1.13) is lower than that of the market as a whole (1.69).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (0.6829) is lower than that of the sector as a whole (1.45).
P/S vs Market: The company's P/S indicator (0.6829) is lower than that of the market as a whole (1.06).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (0) is higher than that of the sector as a whole (-21.69).
EV/Ebitda vs Market: The company's EV/Ebitda (0) is lower than that of the market as a whole (3.31).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by 0% over the last 5 years.
Accelerating profitability: The return for the last year (5.1%) exceeds the average return for 5 years (0%).
Profitability vs Sector: The return for the last year (5.1%) exceeds the return for the sector (1.35%).
5.4. ROE
ROE vs Sector: The company's ROE (31.5%) is higher than that of the sector as a whole (17.84%).
ROE vs Market: The company's ROE (31.5%) is higher than that of the market as a whole (28.31%).
5.5. ROA
ROA vs Sector: The company's ROA (23.9%) is higher than that of the sector as a whole (2.48%).
ROA vs Market: The company's ROA (23.9%) is higher than that of the market as a whole (6.44%).
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 (15.72%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 12.24% is higher than the average for the sector '10.13%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 12.24% has been steadily paid over the past 7 years, DSI=1.
Weak dividend growth: The company's dividend yield 12.24% 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 (70%) are at a comfortable level.
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