Займер

MOEX
ZAYM
Stock
Yield per half year: -3.42%
Dividend yield: 12.24%
Sector: Банки

Company Analysis Займер

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1. Summary

Advantages

  • Dividends (12.24%) are higher than the sector average (9.1%).
  • The stock's return over the last year (-8.46%) is higher than the sector average (-20.75%).
  • The company's current efficiency (ROE=32.01%) is higher than the sector average (ROE=18.41%)

Disadvantages

  • Price (146.65 ₽) is higher than fair price (86.49 ₽)
  • Current debt level 0.4434% has increased over 5 years from 0%.

Similar companies

ВТБ

Сбербанк

Т-Банк (Тинькофф)

Банк Санкт-Петербург

2. Share price and performance

2.1. Share price

2.3. Market efficiency

Займер Банки Index
7 days 4% 3.7% 5.4%
90 days -3.4% -18% -2.7%
1 year -8.5% -20.8% -6.6%

ZAYM vs Sector: Займер has outperformed the "Банки" sector by 12.3% over the past year.

ZAYM vs Market: Займер has underperformed the market marginally by -1.88% 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 -0.1627% over the past year.

3. Summary of the report

3.1. General

P/E: 3.32
P/S: 0.6829

3.2. Revenue

EPS 39.3
ROE 32.01%
ROA 24.5%
ROIC 0%
Ebitda margin 0%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Above fair price: The current price (146.65 ₽) is higher than the fair price (86.49 ₽).

Price is higher than fair: The current price (146.65 ₽) is 41% higher than the fair price.

4.2. P/E

P/E vs Sector: The company's P/E (3.32) is lower than that of the sector as a whole (5.87).

P/E vs Market: The company's P/E (3.32) is lower than that of the market as a whole (6.46).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (1.03) is higher than that of the sector as a whole (0.5894).

P/BV vs Market: The company's P/BV (1.03) is lower than that of the market as a whole (1.33).

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 (1.1).

P/S vs Market: The company's P/S indicator (0.6829) is lower than that of the market as a whole (0.9633).

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 (1.57).

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.

Earnings Slowdown: The last year's return (0%) is below the 5-year average return (0%).

Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (0%).

5.4. ROE

ROE vs Sector: The company's ROE (32.01%) is higher than that of the sector as a whole (18.41%).

ROE vs Market: The company's ROE (32.01%) is higher than that of the market as a whole (14.32%).

5.5. ROA

ROA vs Sector: The company's ROA (24.5%) is higher than that of the sector as a whole (2.21%).

ROA vs Market: The company's ROA (24.5%) is higher than that of the market as a whole (7.71%).

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 (18.47%).

6. Finance

6.1. Assets and debt

Debt level: (0.4434%) is quite low in relation to assets.

Increasing debt: over 5 years, the debt has increased from 0% to 0.4434%.

Debt Covering: The debt is covered by 1.86% from net profit.

6.2. Profit growth and share price

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 '9.1%.

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 (54.97%) are at a comfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

No insider transactions have been recorded yet

8.3. Main owners

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9. Stocks forum Займер

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9.3. Comments