Sberbank of Russia PJSC is a full-service bank operating primarily in Russia, but with significant exposure to Central and Eastern European countries. The bank has grown into a universal bank through acquisitions since its historical savings bank origins. Sberbank's principal shareholder is the Central Bank of the Russian Federation, which owns just over half of the bank's outstanding shares. The bank's activities are organized by three main priorities: corporate banking, retail banking, and investment banking. Corporate loans constitute the bulk of the bank's earning assets, mostly to corporations with the largest market capitalizations. The bank's development strategy emphasizes customer service, cost management, and technological modernization.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.02
Equity-to-Asset	0.13
Debt-to-Equity	0.18
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.82	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-1.6
	3-Year EPS without NRI Growth Rate	-14
	3-Year Book Growth Rate	10.9

Momentum Rank

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	1.6
	Shareholder Yield %	14.89

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	52.55
	ROE %	12.54
	ROA %	1.7
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

Name	Current	Vs Industry	Vs History
PE Ratio	N/A	N/A	N/A
PE Ratio without NRI	N/A	N/A	N/A
Price-to-Owner-Earnings	11.76
PS Ratio	4.76
PB Ratio	1.16
Price-to-Tangible-Book	1.16
EV-to-Revenue	4.04
Price-to-Projected-FCF	0.89
Price-to-Median-PS-Value	2.54
Price-to-Peter-Lynch-Fair-Value	0.88
Forward Rate of Return (Yacktman) %	19.01

GF Value: $2.56

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