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 Q2 25
End date of the reporting period
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SmartTechGroup (CarMoney) cash flows

Report period2020 2021 2022 2023 2024 Q2 25 TTM
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SmartTechGroup (CarMoney) multipliers

Report period2020 2021 2022 2023 2024 Q2 25 TTM
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SmartTechGroup (CarMoney) profitability

Report period2020 2021 2022 2023 2024 Q2 25 TTM
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SmartTechGroup (CarMoney) assets
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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 periodQ323Q423Q124Q224Q324Q424
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 1.819

SmartTechGroup (CarMoney) bonds

NameIssue sizePriceYield
MFC CarMoney 01 (RUB)400,000 pcs.99.98%0.04%
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%

SmartTechGroup (CarMoney) expected events

DateTypeNoteSource
14.11.2025 10:00
Financial results
Financial statements for 9 months of 2025 in accordance with IFRS (presumably)Pictogram of e-disclosure.ru  e-disclosure.ru
Share capital structure of SmartTechGroup (CarMoney)
SmartTechGroup (CarMoney) news
22.08.2025
SmartTechGroup's RAS net profit for 6 months of 2025 amounted to ₽286.9 million, against a loss of ₽20.42 million in the previous year.
22.08.2025
SmartTechGroup's loss under IFRS for 6 months of 2025 amounted to ₽128.84 million against a profit of ₽176.45 million in the previous year. Net interest income decreased by 10.5% to ₽1.19 billion from ₽1.33 billion a year earlier.
20.08.2025
SmartTechGroup has started rebranding its subsidiary CarMoney as part of its development strategy for 2025-2028, which involves a transition from a single-product to a multi-product development model and the launch of new products within the PSB ecosystem. At the first stage of the rebranding, IFC KarMani changed its name to IFC PSB Finance. A co-branding ca...
14.08.2025
SmartTechGroup has decided to change the name of its subsidiary IFC KarMani to IFC PSB Finance. Company has been operating under the CarMoney brand since 2016. In September 2024, SmartTechGroup and PSB announced a strategic partnership, within which it is planned to launch a joint car loan platform.
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