Sovcombank is a Russian privately owned universal bank. It is included in the list of 13 systemically important Russian banks and ranks 9th among Russian banks in terms of assets. The bank focuses on consumer lending in small and medium-sized rural towns and has a strong presence in 730 towns and villages across 41 federal regions. Sovcombank is the leading privately-owned bank for pensioners and economically active population over 45 years old.

Dmitriy Chotimskiy

Sovcombank

Sovcombank is the leading privately-owned bank for pensioners and economically active population of over 45 years old. This niche, which has been growing steadily over the past decade, accounts for 42% of total Russian population (c. 60 million people).Sovcombank focuses on consumer lending in small and medium-sized rural towns with the population from 5,000 to 100,000 inhabitants and currently present in more than 730 towns and villages in 41 federal regions. At the end of 2013, Sovcombank had over 1.1 million retail borrowers and over 160 thousand depositors. The acquisition of GE Money Russia will further enhance Sovcombank`s presence in the European part of Russia and enable access to the markets of largest cities.Sovcombank operates a lean cost-efficient distribution network of mainly mini-offices which we can adjust up or down depending on macroeconomic environment. In 2013, the distribution network grew by 13% to over 2,000 points of sale, while cost-to-income ratio remained as low as 42%. Sovcombank is rated B2 by Moody`s and B by S&P.Sovcombank has a diverse shareholder base established by the top-management team and financial investors. Since 2007, Sovcombank has been managed by the Board of Directors in strict compliance with best practices in corporate governance.With the highly professional and experienced management team and the acquisition of the consumer lending franchise from the global leader in consumer finance, Sovcombank remains committed to deliver strong shareholder returns.

Metric
Company Name	Sovcombank
Symbol
MSH ID	RU:SOVCOMBANK
Market	PRIVATE
Sector	Financial Services
Industry	Banking
Country	RU
Stage
Employee Count	451
Website	sovcombank.ru/en
LinkedIn	sovcombank
Founders

Metric
Market Cap
Enterprise Value
Monthly Web Traffic	16.57M
Web Traffic Growth	1.18
Valuation
Raised Capital

Metric
Revenue
Revenue (LTM)
Revenue (NTM)
Gross Profit
EBITDA
Operating Income
Net Income
EPS
Diluted EPS
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
Operating Profit Margin
EBITDA Margin
Net Profit Margin
Return on Equity
Return on Assets
Return on Capital Employed

RU:SOVCOMBANK

Sovcombank

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
P/B Ratio
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio
EV Multiple

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio
Quick Ratio

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