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
Net profit
Book value
Growth potential

SmartTechGroup (CarMoney) balance sheet

Report period2020 2021 2022 Q3 23
End date of the reporting period
Capitalization, ₽
Capitalization, $
Enterprise Value
Book Value
Shareholders Book Value
Current liabilities
Total liabilities
Total ordinary shares
Ordinary share price

SmartTechGroup (CarMoney) cash flows

Report period2020 2021 2022 Q3 23 TTM
End date of the reporting period
Shareholders earnings
Operation Cashflow
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Free Cash Flow

SmartTechGroup (CarMoney) multipliers

Report period2020 2021 2022 Q3 23 TTM

SmartTechGroup (CarMoney) profitability

Report period2020 2021 2022 Q3 23 TTM
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: 4
Report periodQ123Q223Q323Q423
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 2.335

SmartTechGroup (CarMoney) bonds

NameIssue sizePriceYield
MFC CarMoney 02 (RUB)---
MFC CarMoney 01 (RUB)400,000 pcs.--
MFC CarMoney 01 (RUB)400,000 pcs.97.97%12.56%
KarMani B-1-1 (RUB)300,000 pcs.100.01%0.05%
KarMani B-1-2 (RUB)300,000 pcs.100.06%0.15%
KarMani B-1-2 (RUB)300,000 pcs.--
MFC CarMoney 02 (RUB)274,622 pcs.104.48%9.13%
MFC CarMoney BO-1-03 (RUB)250,000 pcs.99.99%0.04%
Share capital structure of SmartTechGroup (CarMoney)
SmartTechGroup (CarMoney) news
CarMoney's issuance volume in 2023 reached a 4-year high of 3.747 billion, up 22.2% from ₽3.066 billion a year earlier. Average auto loan check rose 16.1% to ₽321k. Share of new customers increased 5 p.p. to 65%. Loan portfolio grew 10.1%, to ₽4.869 billion. Number of active loans at the end of the period totaled 40.8 thousand, up 79.7%.
Board of Directors of SmartTech Group has decided to establish Smart Horizon LLC, which will be engaged in selling software solutions and technologies to B2B clients. This is a promising direction, which promises a significant growth in the client base, revenue and profit of the group already in the next three years, the company notes.
Bank of Russia has approved the candidacy of Elena Yashina for the position of CEO of LLC MFK KarMani. Appointment will take effect from January 16, 2024. Previously, LLC MFK KarMani was headed by Anna Kalugina, who moved to the position of CEO of PJSC STG.
Source: {source} pictogram
CarMoney was the first microfinance company to issue digital financial assets. Placement took place on the Tokeon platform. Amount of the issue amounted to ₽40 million, with a circulation period of three months. Tokens are analogous to bonds with a short maturity and a fixed coupon of 18% per annum.
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