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Sberbank of Russia (SBER.ME)

RUB301.15 +0.10 (+0.03%)
RU MCX Financial Services Banks - Regional
Address 19 Vavilova Street 117312
Moscow, RU
CEO Herman Oskarovich Gref
IPO 2011-11-21
ISIN RU0009029540

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Also trades on International Order Book · SBER.IL (USD) London Stock Exchange · SBER.L (RUB) Moscow Stock Exchange · SBER.ME (RUB) Moscow Stock Exchange · SBERP.ME (RUB) Other OTC · AKSJF (USD) Other OTC · SBRCY (USD)
Description

Sberbank of Russia, along with its affiliated entities, delivers a broad spectrum of retail and corporate banking solutions to a diverse clientele including private individuals, small and medium-sized enterprises, large corporations, and financial institutions. Its offerings encompass savings accounts, pension schemes, payment processing, money transfers, investment brokerage, and wealth management. The bank extends various credit facilities such as auto, home, education, and personal loans, in addition to mortgage financing. Customers can also access debit and credit cards, overdraft options, and refinancing solutions. Furthermore, Sberbank deals in sophisticated financial instruments, including derivatives, foreign exchange, precious metals, structured corporate products, commodities, and securities. It also facilitates debt and capital market funding, documentary services, and other commission-based operations. A significant part of its portfolio includes a wide array of insurance products, covering life, property, bank card protection, accident, liability, trust management, investment and universal life, and travel. The institution also manages mutual investment funds and administers individual and corporate pension programs. For small businesses, Sberbank provides dedicated business bank accounts, a specialized platform for international trade (exporters and importers), merchant acquiring services, and corporate cards. Corporate clients benefit from customized loans, diverse investment products, capital market access, fund investment services, and general banking support. Financial institutions receive specialized services such as trade finance, interbank lending, currency risk hedging, treasury management, deposit accounts, custody services, electronic trading systems, and efficient settlement and cash collection. As of December 31, 2020, Sberbank maintained an extensive domestic presence with 11 regional banks and 14,162 branches across Russia. Beyond its home market, the company also conducts operations in 18 other nations. Established in 1841, Sberbank of Russia is headquartered in Moscow.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
RUB301.15 +0.10 (+0.03%)
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Volume Profile
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Liquidity & share structure
Average Volume
54M
Beta
1.07
Float Shares
10.20B
Free Float %
47.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.06% -0.53% +0.37% +1.70% +5.53% +7.44% +3.97% +30.40% +3.42% +142.15% +26,650.00%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
301.15
DCF (Unlevered) 698.86 +132.1%
DCF (Levered) 296.81 -1.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 94% Bullish
Rating 2024-11 Change
Strong Buy 5 0
Buy 10 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.51
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +245.4% Q1'26: +216.6% (vs Q1'25)
  • EPS growth
    +8.1% Q1'26: +16.6% (vs Q1'25)
  • FCF margin
    Q1'26: +29.3% (vs Q1'25)
  • EBIT margin
    Q1'26: +24.2% (vs Q1'25)
  • ROIC
    Q1'26: +17.2% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.19× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.08) × ERP
WACC = 47% × Ke + 53% × Kd (78.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 698.61 Current price: 301.15
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2009
actual
Dec 2010
actual
Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Revenue
960.32B
est: 666.47B (+44.1%)
973.74B
est: 675.24B (+44.2%)
1.09T
est: 769.52B (+42.3%)
1.42T
est: 936.95B (+51.3%)
1.75T
est: 1.12T (+56.4%)
2.20T
est: 1.34T (+64.0%)
2.98T
est: 1.43T (+108.2%)
2.98T
est: 1.71T (+74.1%)
2.88T
est: 1.56T (+85.0%)
2.94T
est: 1.95T (+51.0%)
3.21T
est: 1.99T (+60.8%)
3.23T
est: 2.20T (+46.9%)
3.41T
est: 2.55T (+33.9%)
3.86T
est: 2.85T (+35.7%)
3.04T
est: 3.10T (-2.0%)
3.26T
est: 3.29T (-0.8%)
11.27T
est: 3.61T (+212.4%)
EBITDA
58.48B
est: 285.43B (-79.5%)
262.49B
est: 346.61B (-24.3%)
439.30B
est: 568.39B (-22.7%)
514.80B
est: 834.69B (-38.3%)
525.00B
est: 1.08T (-51.3%)
450.20B
est: 1.28T (-65.0%)
413.50B
est: 1.27T (-67.5%)
761.90B
est: 733.92B (+3.8%)
961.70B
est: 665.97B (+44.4%)
1.12T
est: 1.87T (-40.3%)
1.14T
est: 1.91T (-40.4%)
942.30B
est: 1.92T (-50.9%)
1.46T
est: 2.11T (-31.2%)
564.70B
est: 2.28T (-75.3%)
1.98T
est: 2.43T (-18.4%)
2.03T
est: 2.64T (-22.9%)
2.35T
est: 1.48T (+58.4%)
EBIT
29.86B
est: 285.43B (-89.5%)
230.14B
est: 30.26B (+660.6%)
395.70B
est: 246.60B (+60.5%)
447.90B
est: 481.77B (-7.0%)
455.70B
est: 536.18B (-15.0%)
374.20B
est: 545.13B (-31.4%)
331.20B
est: 399.22B (-17.0%)
677.50B
est: 404.80B (+67.4%)
903.10B
est: 746.83B (+20.9%)
1.05T
est: 981.11B (+6.6%)
1.14T
est: 1.09T (+4.9%)
942.30B
est: 1.07T (-11.6%)
1.46T
est: 1.18T (+23.8%)
564.70B
est: 1.27T (-55.5%)
1.98T
est: 1.35T (+46.9%)
2.03T
est: 1.47T (+38.8%)
2.25T
est: 1.48T (+52.2%)
Net Income
24.40B
est: 19.55B (+24.8%)
182.13B
est: 24.72B (+636.9%)
316.20B
est: 195.16B (+62.0%)
348.80B
est: 384.99B (-9.4%)
363.80B
est: 417.55B (-12.9%)
292.20B
est: 435.19B (-32.9%)
223.30B
est: 311.73B (-28.4%)
540.50B
est: 272.92B (+98.0%)
750.40B
est: 595.81B (+25.9%)
832.90B
est: 815.22B (+2.2%)
844.90B
est: 864.47B (-2.3%)
761.10B
est: 790.94B (-3.8%)
1.25T
est: 1.16T (+8.0%)
275.10B
est: 1.25T (-78.1%)
1.50T
est: 1.36T (+10.7%)
1.58T
est: 1.25T (+26.5%)
1.71T
est: 1.51T (+12.9%)
SGA
38.53B
est: 170.97B (-77.5%)
55.47B
est: 627.66B (-91.2%)
43.30B
est: 483.47B (-91.0%)
67.40B
est: 460.32B (-85.4%)
59.30B
est: 648.23B (-90.9%)
75.00B
est: 877.92B (-91.5%)
83.30B
est: 1.12T (-92.6%)
90.10B
est: 1.47T (-93.9%)
80.40B
est: 1.34T (-94.0%)
657.60B
est: 1.13T (-42.0%)
724.60B
est: 1.04T (-30.6%)
759.80B
est: 1.01T (-25.0%)
834.40B
est: 1.12T (-25.3%)
822.00B
est: 1.21T (-31.9%)
856.80B
est: 1.28T (-33.3%)
1.00T
est: 1.39T (-27.9%)
825.30B
est: 808.39B (+2.1%)
EPS
1.10
est: 0.91 (+20.4%)
8.44
est: 7.49 (+12.7%)
14.59
est: 14.60 (-0.1%)
16.03
est: 16.13 (-0.6%)
16.78
est: 17.02 (-1.4%)
13.45
est: 13.00 (+3.5%)
10.36
est: 9.90 (+4.7%)
25.00
est: 23.58 (+6.0%)
33.11
est: 34.26 (-3.4%)
38.16
est: 38.29 (-0.3%)
40.19
est: 39.70 (+1.2%)
34.36
est: 33.17 (+3.6%)
56.88
est: 55.91 (+1.7%)
19.91
est: 59.58 (-66.6%)
69.06
est: 62.86 (+9.9%)
71.94
est: 66.05 (+8.9%)
77.76
est: 70.69 (+10.0%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-30 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-29 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-28 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-27 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-26 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-25 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-24 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-23 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-22 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-21 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-20 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-19 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-18 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-17 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-16 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-05-15 A- 4/5 3/5 5/5 4/5 2/5 4/5 3/5
2026-05-14 A- 4/5 3/5 5/5 4/5 2/5 4/5 3/5
2026-05-13 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-05-12 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-05-11 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-05-08 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-05-07 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-05-06 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-05-05 A 4/5 3/5 5/5 5/5 2/5 4/5 4/5
2026-05-04 A 4/5 3/5 5/5 5/5 2/5 4/5 4/5
2026-05-03 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-05-02 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-30 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-29 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-28 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-27 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-26 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-25 A 4/5 4/5 5/5 5/5 1/5 4/5 3/5
2026-04-24 A 4/5 4/5 5/5 5/5 1/5 4/5 3/5
2026-04-23 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-22 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-21 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-20 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-19 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-18 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-17 A 4/5 4/5 5/5 5/5 1/5 4/5 3/5
2026-04-16 A 4/5 4/5 5/5 5/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.42T
OE per share TTM
111.23
Owner's Yield
35.21%
Maintenance CapEx ratio
54.98%
Maint CapEx / Avg PPE
21.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 90 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares BIC 50 UCITS ETF DBRC.L 0.00% 157.45 0.74%
2 iShares MSCI BIC ETF BKF 0.00% 43.09 0.72%
3 iShares Emerging Markets Dividend ETF DVYE 0.00% 325.39 0.50%
4 iShares Currency Hedged MSCI Emerging Markets ETF HEEM 0.00% 56.84 1.51%
5 iShares MSCI Emerging Markets Index ETF XEM.TO 0.00% 66.95 0.83%
6 iShares ESG Aware MSCI EM ETF ESGE 0.00% 1.3K 0.25%
7 iShares MSCI Emerging Markets ETF EEM 0.00% 5.2K 0.72%
8 iShares EM Dividend UCITS ETF IEDY.L 0.00% 207.43 0.65%
9 iShares MSCI Emerging Markets ETF IEM.AX 0.00% 121.13 0.69%
10 iShares Core MSCI Emerging Markets ETF IEMG 0.00% 12.0K 0.09%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
7.51M
Shares Outstanding
21.39B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Herman Oskarovich Gref Chairman of the Executive Board, Chief Executive Officer & Member of Supervisory Board 7M male
Bella Ilinichna Zlatkis Deputy Chairman of Executive Board & Supervisory Board Member 6M female
Anastasia E. Belyanina Head of Investor Relations female
Anatoly Popov Deputy Chairman of Executive Board, Senior Vice President & Head of the Corporate Business Block male
Kirill Tsarev First Deputy Chair of the Executive Board male
Olga Yuryevna Deputy Chair of Executive Board female
Stanislav K. Kuznetsov Deputy Chairman of the Executive Board male
Alexander A. Vedyakhin First Deputy Chairman of Executive Board, Senior Vice President & Head of the Risk Management Service
Taras Skvortsov Senior Vice President & Chief Financial Officer male
Alexey Ye. Minenko Senior MD & Deputy Chief Accountant male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits