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Stock profile

IPJSC T-Technologies (T.ME)

Country: CYSector: Financial ServicesIndustry: Banks - RegionalExchange: MCX

Delisted · last close 31 Jul 2025

Current price
3,156.60 RUB+0.46%
Last close 31 Jul 2025
Benchmarks

Key financial summary

Financials in RUB
201920202021202220232024TTM
Total net revenueRUB bn6382140113292430541
Operating profitRUB bn187234
Net profitRUB bn3644632180122154
EPS reportedRUB538.5576.5
Operating cashflow per shareRUB-1,335-123.7
Capex per shareRUB170.314.73
FCF per shareRUB-1,505-138.4
Free cash flowRUB bn-34290
Net debtRUB bn81-1,244
Book value equityRUB bn520634
Book value per shareRUB2,2872,362
Number of sharesm227.29268.28
DPS (TTM paid)RUB96.034.50

Financial summary

Financials in RUB
201920202021202220232024TTM
Value
P/E TTMx5.115.48
P/B LTMx1.201.01
P/S LTMx1.451.19
P/FCF LTMx-1.837.16
EV/EBITDA LTMx8.52-6.50
EV/Sales LTMx0.52-1.11
Earnings Yield LTM%19.57%18.25%
FCF Yield%-54.69%13.98%
Quality
ROE%23.54%26.40%
ROIC%2.94%4.53%
Operating margin%43.57%50.60%
Gross margin%100.00%100.00%
FCF/Sales%-79.57%-48.08%
Growth and momentum
EPS Growth YoY%+36.25%+14.35%
Sales Growth YoY%+47.31%+43.92%
Net Income Growth YoY%+52.06%+47.98%
FCF Growth%--
Operating Profit Growth%+42.69%+43.89%
Dividend and capital structure
Dividend Yield%3.49%0.14%
Dividend Growth%--
Payout Ratio%17.83%18.56%
FCF/Debtx-4.210.77
Net Debt/EBITDAx-15.360.00
EBIT/Net interestx0.000.00
Net debt/market cap%12.99%-193.67%
Net debt/Equityx0.16-1.96
Gross debt/equityx0.160.18

Company overview

IPJSC T-Technologies, an enterprise founded in Limassol, Cyprus in 1999 (originally known as Egidaco Investments PLC, then TCS Group Holding PLC), functions as a subsidiary of Guaranty Nominees Limited. The company primarily offers an extensive range of online retail banking, insurance, mobile services, and asset management solutions across Russia. Its operations are structured across eight distinct divisions: consumer lending, retail debit card provision, insurance technology (InsurTech), services for small and medium-sized enterprises (SMEs), payment acquiring and processing, investment technology (InvestTech), mobile virtual network operator (MVNO) services, and a segment for miscellaneous investments. T-Technologies provides numerous financial products, including customer current accounts, savings, and deposit options. It also extends various loan types such as cash, consumer, automotive, and secured loans to individuals, entrepreneurs, and small to medium-sized businesses. The company issues both credit and debit cards and facilitates an online brokerage platform for investment activities. Moreover, its comprehensive insurance portfolio covers personal accident, personal property, traveler, and vehicle protection. Through its MVNO, the company delivers mobile communication services, including virtual phone numbers and access to music and video streaming. Additional offerings include micro-financing, debt collection, software development, educational programs, telecommunication services, cryptocurrency solutions, and online payment systems. These diverse services are delivered to individuals, entrepreneurs, and small and medium-sized businesses via digital channels (internet and mobile), a network of direct sales agents, and collaborative partnerships.

WebsiteN/A
IndustryBanks - Regional
CountryCY
Trades inRUB

Similar companies

For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

Delisted · last close 31 Jul 2025

IPJSC T-Technologies (T.ME)

T.ME · MCX · Financial Services
3,156.60 RUB+0.46%
Benchmarks
Financialsin RUB
20232024TTM
About

IPJSC T-Technologies, an enterprise founded in Limassol, Cyprus in 1999 (originally known as Egidaco Investments PLC, then TCS Group Holding PLC), functions as a subsidiary of Guaranty Nominees Limited. The company primarily offers an extensive range of online retail banking, insurance, mobile services, and asset management solutions across Russia. Its operations are structured across eight distinct divisions: consumer lending, retail debit card provision, insurance technology (InsurTech), services for small and medium-sized enterprises (SMEs), payment acquiring and processing, investment technology (InvestTech), mobile virtual network operator (MVNO) services, and a segment for miscellaneous investments. T-Technologies provides numerous financial products, including customer current accounts, savings, and deposit options. It also extends various loan types such as cash, consumer, automotive, and secured loans to individuals, entrepreneurs, and small to medium-sized businesses. The company issues both credit and debit cards and facilitates an online brokerage platform for investment activities. Moreover, its comprehensive insurance portfolio covers personal accident, personal property, traveler, and vehicle protection. Through its MVNO, the company delivers mobile communication services, including virtual phone numbers and access to music and video streaming. Additional offerings include micro-financing, debt collection, software development, educational programs, telecommunication services, cryptocurrency solutions, and online payment systems. These diverse services are delivered to individuals, entrepreneurs, and small and medium-sized businesses via digital channels (internet and mobile), a network of direct sales agents, and collaborative partnerships.

IndustryBanks - Regional
CountryCY
Trades inRUB

For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

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