A Russian banking company providing financial services.

Sberbank

Qiwi plc, together with its subsidiaries, operates electronic online payment systems primarily in the Russia, Kazakhstan, Moldova, Belarus, the United Arab Emirates, and internationally. The company operates through Payment Services, Consumer Financial Services, and Rocketbank segments. It offers payment services across online, mobile, and physical channels through a network of approximately 75,000 kiosks and 18,000 terminals. The company also provides Qiwi Wallet, which is an online and mobile payment processing, and money transfer system that allows customers to pay for the products and services of merchants, as well as perform peer-to-peer money transfers through a virtual wallet; and Visa prepaid cards. In addition, it offers payment-by installments card systems under the SOVEST brand name. Further, it provides digital banking services to retail customers under the Rocketbank name; and to small and medium businesses under the Tochka name. The company was incorporated in 2007 and is based in Nicosia, Cyprus.

Metric
Company Name	Sberbank	QIWI plc
Symbol		QIWI
MSH ID	COM:SBERBANK	COM:QIWI
Market	PRIVATE	STOCKS
Sector	Financial Services & Finance	Technology
Industry	Banking	Software - Infrastructure
Country	RU	CY
Stage
Employee Count	10.00K	3.02K
Website	sberbank.com	qiwi.com
LinkedIn		qiwi
Founders

Metric
Market Cap		355.58M
Enterprise Value
Monthly Web Traffic	34.40M	1.51M
Web Traffic Growth	-0.22	0.56
Valuation
Raised Capital

Metric
Revenue		71.83M
Revenue (LTM)
Revenue (NTM)
Gross Profit		16.66M
EBITDA		16.01M
Operating Income		10.21M
Net Income		27.60M
EPS		0.44
Diluted EPS		0.44
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin		0.35
Operating Profit Margin		0.23
EBITDA Margin		0.22
Net Profit Margin		0.38
Return on Equity		0.25
Return on Assets		0.13
Return on Capital Employed		0.22

SBER

COM:SBERBANK

Sberbank

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio		2.05
P/B Ratio		0.48
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		4.80
EV Multiple		44.96

Metric
Days Sales Outstanding		180.02
Days Payables Outstanding		243.91
Days Inventory Outstanding		6.88K
Operating Cycle		6.91K
Cash Conversion Cycle		6.64K
Asset Turnover		0.57

Metric
Operating Cash Flow		98.45M
Free Cash Flow		87.51M
Cash Flow to Debt		36.57
Operating Cash Flow/Sales		1.37
Free Cash Flow Yield		0.26

Metric
Cash & Equivalents		72.78M
Accounts Receivable		-65.21M
Inventory		1.04B
Goodwill
Debt to Capitalization		0.06
Debt to Assets		0.04
Current Ratio		1.98
Quick Ratio		1.94

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue		0.04