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.
SmartTechGroup (CarMoney) stock price chart
-19%
P/E
Net profit
P/B
Book value
P/FCF
FCF
Yield
Growth potential

SmartTechGroup (CarMoney) balance sheet

Report period2020 2021 2022 Q2 23
End date of the reporting period
Capitalization, ₽
Capitalization, $
Enterprise Value
Book Value
Shareholders Book Value
Current liabilities
Total liabilities
Assets
Total ordinary shares
Ordinary share price

SmartTechGroup (CarMoney) cash flows

Report period2020 2021 2022 Q2 23 TTM
End date of the reporting period
Sales
Earnings
Shareholders earnings
OIBDA
Operation Cashflow
Capital expenditure
Free Cash Flow
EPS

SmartTechGroup (CarMoney) multipliers

Report period2020 2021 2022 Q2 23 TTM
P/E
E/P
P/B
P/S
P/FCF
L/A
EV/OIBDA

SmartTechGroup (CarMoney) profitability

Report period2020 2021 2022 Q2 23 TTM
ROA
ROE
ROS
SmartTechGroup (CarMoney) assets
SmartTechGroup (CarMoney) cash flows

SmartTechGroup (CarMoney) dividend policy

It is planned to allocate from 25% to 50% of net profit according to RAS to pay dividends. The dividend per preferred share is equal to the dividend per common share.
SmartTechGroup (CarMoney) operating results
Number of periods: 1
Report periodQ123
Average auto loan check, ₽ ths.
Collateral Coverage Ratio (LTV), .
Number of active loans at the end of the period, thousand pcs.
Number of loans granted, thousand pcs.
Online auto loans, %
Volume of loans, ₽ ths.

SmartTechGroup (CarMoney) shares

TickerNameTypeNominal valueISINPrice
CARM:RMCarMoneyCommon shareRUB 1RU000A105NV2RUB 2.66

SmartTechGroup (CarMoney) bonds

NameIssue sizePriceYield
MFC CarMoney 02 (RUB)---
MFC CarMoney 01 (RUB)400,000 pcs.--
MFC CarMoney 01 (RUB)400,000 pcs.99.42%10.50%
KarMani B-1-2 (RUB)300,000 pcs.--
KarMani B-1-1 (RUB)300,000 pcs.100.01%0.07%
KarMani B-1-2 (RUB)300,000 pcs.100.06%0.31%
MFC CarMoney 02 (RUB)274,622 pcs.105.37%10.05%
MFC CarMoney BO-1-03 (RUB)250,000 pcs.99.99%0.06%
Share capital structure of SmartTechGroup (CarMoney)
SmartTechGroup (CarMoney) news
21.08.2023
CarMoney's IFRS net profit for 6 months of 2023 amounted to ₽239.25 million, up 20.6% from ₽198.45 million in the previous year. Net interest income rose 23.6% to ₽1.161 billion against ₽0.939 billion a year earlier.
07.08.2023
CarMoney MFK LLC net profit under RAS for 6 months of 2023 amounted to ₽312.38 million, up 43.9% from ₽217.02 million in the previous year. Net interest income rose 20.3% to ₽1.157 billion against ₽0.962 billion a year earlier.
07.08.2023
CarMoney's disbursements in 6 months of 2023 totaled ₽1.759 billion, up 15.2% from ₽1.527 billion a year earlier. Average auto loan check grew 15% to ₽308,000. Loan portfolio grew 7.0% to ₽4.616 billion. Average monthly active users increased 66.7% to 46,872.
06.07.2023
CarMoney has sold under DPO 305 million shares worth ₽978 million, of which ₽834 million has already flowed into the company's capital. Rest of money will also be put into equity after finalization of all brokerage, transaction and other costs. Proceeds will be used to implement the growth strategy and maintain the necessary equity to scale the company's bus...
General information
Company nameSmartTechGroup (CarMoney)
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