SmartTechGroup (CarMoney)

CarMoney is a fintech company in the field of consumer lending. The company provides loans secured by a car or special equipment in Moscow, St. Petersburg, Novosibirsk, Kazan, Rostov-on-Don and many other regions of Russia. It has representative offices in 53 regions of Russia.
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SmartTechGroup (CarMoney) balance sheet

Report period2021 2022 2023 2024 2025 Q1 26
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SmartTechGroup (CarMoney) cash flows

Report period2021 2022 2023 2024 2025 Q1 26 TTM
End date of the reporting period
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SmartTechGroup (CarMoney) multipliers

Report period2021 2022 2023 2024 2025 Q1 26 TTM
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SmartTechGroup (CarMoney) profitability

Report period2021 2022 2023 2024 2025 Q1 26 TTM
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SmartTechGroup (CarMoney) assets
SmartTechGroup (CarMoney) cash flows
SmartTechGroup (CarMoney) dividends
4.32%

SmartTechGroup (CarMoney) dividend policy

It is planned to allocate at least 50% of IFRS net profit for dividend payments.
SmartTechGroup (CarMoney) operating results
Number of periods: 6
Report periodQ324Q424Q125Q225Q325Q126
Average auto loan check, ₽ ths.
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Online auto loans, %
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SmartTechGroup (CarMoney) shares

TickerNameTypeNominal valueISINPrice
CARM:RMCarMoneyCommon shareRUB 1RU000A105NV2RUB 0.682

SmartTechGroup (CarMoney) bonds

NameIssue sizePriceYield
MFC CarMoney 01 (RUB)400,000 pcs.99.98%0.02%
KarMani B-1-1 (RUB)300,000 pcs.100.01%0.02%
KarMani B-1-2 (RUB)300,000 pcs.100.06%0.04%
MFC CarMoney BO-1-03 (RUB)250,000 pcs.99.99%0.01%

SmartTechGroup (CarMoney) expected events

DateTypeNoteSource
21.08.2026 10:00
Financial results
Financial statements for 6 months of 2026 in accordance with IFRS (presumably)Pictogram of e-disclosure.ru  e-disclosure.ru
13.11.2026 10:00
Financial results
Financial statements for 9 months of 2026 in accordance with IFRS (presumably)Pictogram of e-disclosure.ru  e-disclosure.ru
Share capital structure of SmartTechGroup (CarMoney)
SmartTechGroup (CarMoney) news
17.07.2026
SmartTechGroup Board of Directors has approved an updated development strategy for 2026-2028. The company remains focused on scaling its business through a diversified product line in the non-banking segment. Targets for 2028 include increasing the loan portfolio to ₽28 billion, the volume of loans to ₽21 billion per year, and the net profit to ₽2.1 billion,...
22.05.2026
Volume of loans issued of SmartTechGroup for 3 months of 2026worth ₽1.5 billion, a twofold increase from ₽0.723 billion a year earlier. Loan portfolio increased by 29.5% to ₽6.79 billion. Fintech service's customer base grew by 14% to 133,000 customers. Share of new customers increased by 3.6 percentage points to 80.1%. Average customer income increased by 1...
22.05.2026
SmartTechGroup's IFRS loss for 3 months of 2026 amounted to ₽72.1 million, an increase of 30.1% compared to ₽55.4 million in the previous year. Net interest income increased by 16.6% to ₽707.8 million compared to ₽607.1 million a year earlier.
03.04.2026
SmartTechGroup's loan volume in 2025 reached ₽3.94 billion, an increase of 6.2% compared to ₽3.7 billion in the previous year. Loan portfolio increased by 17.9% to ₽6.08 billion. Fintech service's customer base grew by 13.8% to 128.6 thousand people. Share of new customers increased by 11.5 percentage points to 79.5%. Average customer income increased by 24....
General information
Company nameSmartTechGroup (CarMoney)
Tags#dividendsru, #ipo2023
SectorFinancials / Diversified Financials / Consumer Finance / Consumer Finance
Business address119019, g. Moskva, ul. Vozdvizhenka, d. 9, str. 2, pom. 1
Mailing address119019, g. Moskva, ul. Vozdvizhenka, d. 9, str. 2, pom. 1
CEOKalugina Anna Aleksandrovna
Phone8 (800) 600-93-93
Websitesmarttechgroup.pro
Information disclosuree-disclosure.ru