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 period2020 2021 2022 2023 2024 Q3 25
End date of the reporting period
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SmartTechGroup (CarMoney) cash flows

Report period2020 2021 2022 2023 2024 Q3 25 TTM
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SmartTechGroup (CarMoney) multipliers

Report period2020 2021 2022 2023 2024 Q3 25 TTM
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SmartTechGroup (CarMoney) profitability

Report period2020 2021 2022 2023 2024 Q3 25 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 periodQ224Q324Q424Q125Q225Q325
Average auto loan check, ₽ ths.
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Number of active loans at the end of the period, thousand pcs.
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SmartTechGroup (CarMoney) shares

TickerNameTypeNominal valueISINPrice
CARM:RMCarMoneyCommon shareRUB 1RU000A105NV2RUB 1.603

SmartTechGroup (CarMoney) bonds

NameIssue sizePriceYield
MFC CarMoney 01 (RUB)400,000 pcs.99.98%0.03%
KarMani B-1-1 (RUB)300,000 pcs.100.01%0.02%
KarMani B-1-2 (RUB)300,000 pcs.100.06%0.05%
MFC CarMoney BO-1-03 (RUB)250,000 pcs.99.99%0.02%
Share capital structure of SmartTechGroup (CarMoney)
SmartTechGroup (CarMoney) news
24.11.2025
Shareholders of SmartTechGroup (CarMoney) approved dividends for 9 months 2025 in the amount of ₽0.08 per ordinary share. The last day of purchase of securities to receive dividends is December 9, 2025. Dividend yield may amount to 4.51%.
14.11.2025
Volume of SmartTechGroup disbursements for 9 months of 2024 amounted to 2.86 billion rubles, an increase of 3.4% compared to 2.77 billion rubles a year earlier. Weighted average rate of car loans decreased by 1 percentage point, to 82%. Loan portfolio increased by 17% to ₽5.87 billion. Customer base of the fintech service grew by 17% and reached 125 thousand...
14.11.2025
SmartTechGroup's loss under IFRS for 9 months of 2025 amounted to ₽63.6 million against a profit of ₽320.8 million in the previous year. Net interest income decreased by 4.5% to ₽1.89 billion from ₽1.98 billion a year earlier.
29.10.2025
MFC PSB Finance will use the PSB logo in all communication channels together with CarMoney as a sign of belonging to the bank's ecosystem. Brand redesign is the next step of the rebranding after the name change from IFC KarMani to IFC PSB Finance in August this year. According to the development strategy for 2025-2028, the company plans to switch from a sing...
General information
Company nameSmartTechGroup (CarMoney)
Tags#ipo2023, #dividendsru
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