Кузнецкий Банк KUZB

Annual report 2025
added 09-06-2026

Кузнецкий Банк Financial Ratios 2025-2007 | KUZB

Brief overview of Кузнецкий Банк's valuation multiples

This overview follows the five latest available observations from 2020 through 2025.

The valuation comparison uses P/E 8x (median 5x), P/B 0.65x (median 0.48x), P/CF 0.56x (median 1.93x). On average, this basket is 35% above its own five-year medians. The market is pricing in elevated future expectations.

The 1/P/E calculation produces a 12.5% earnings yield. It does not capture future growth or capital structure.

Capital efficiency is characterized by ROE 12.3%, ROA 1.1%, ROCE 26.4%. Quality ratios send a mostly positive signal: resources are productive, with room for improvement.

PEG is 0.4x. Price is low relative to embedded growth, though the ratio depends heavily on forecast quality.

For this sector, valuation ratios are useful only alongside capital adequacy, reserves and credit-portfolio quality.

What the ratios show

Кузнецкий Банк's high quality ratios explain part of the market premium but increase sensitivity to slower growth.

Annual Financial Ratios Кузнецкий Банк

	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Price Earnings Ratio, P/E	8	5	5	-	5.3	4.51	13.41	11.0	5.56	8.84	73.83	10.51	10.03	16.78	40.89	-27.46	139169.7	45.26	49.08
Price Sales Ratio, P/S	-	-	-	-	0.66	0.55	0.77	0.42	0.34	0.44	0.58	0.89	1.0	1.42	5.5	7.97	10.03	8.35	11.11
Price To Book Ratio, P/B	0.58	0.73	1	-	0.65	0.48	0.78	0.4	0.41	0.55	0.76	0.75	0.92	1.19	3.7	7.61	6.65	6.87	8.33
Price Earnings To Growth Ratio, PEG	-885	-	-	-	0.4	0.05	0.2	-0.19	0.25	0.01	-0.84	-0.53	0.3	-2.69	-0.25	-	-1391.7	6.79	-
Operating Cash Flow Per Share	-	-	-	-	-0.0	-0.01	0.03	0.0	0.01	0.01	-0.01	0.0	0.01	0.01	-0.01	0.01	0.01	-0.0	0.01
Free Cash Flow Per Share	-	-	-	-	-0.0	-0.01	0.03	0.0	0.01	0.01	-0.01	-0.01	0.01	0.01	-0.01	0.01	0.01	-0.01	0.0
Cash Per Share	-	-	-	-	0.07	0.08	0.07	0.05	0.03	0.03	0.02	0.03	0.04	0.02	0.02	0.02	0.01	0.0	0.01
Payout Ratio	-	-	0.38	-	0.43	-	1.04	-	0.49	-	2.74	0.24	0.06	0.16	-	-	-	-	-
Dividend Yield	-	-	0.08	0.14	0.08	-	0.08	-	0.09	-	0.04	0.02	0.01	0.01	-	-	-	-	-
Current Ratio	-	-	-	-	-	69.36	29.15	53.44	0.47	0.69	0.77	-	-	-	-	-	-	-	-
Quick Ratio	-	-	-	-	-	69.36	46.84	53.44	0.47	0.69	0.77	-	-	-	-	-	-	-	-
Cash Ratio	-	-	-	-	-	67.93	28.17	50.99	0.41	0.5	0.5	-	-	-	-	-	-	-	-
Days Of Sales Outstanding, DSO	-	-	-	-	25.48	26.61	31.31	28.52	-	-	-	-	-	-	-	-	-	-	-
Days Of Payables Outstanding, DPO	-	-	-	-	-	-	-	-	40.95	45.31	-	-	-	-	-	-	-	-	-
Operating Cycle	-	-	-	-	25.48	26.61	31.31	28.52	-	-	-	-	-	-	-	-	-	-	-
Cash Conversion Cycle	-	-	-	-	25.48	26.61	31.31	28.52	-40.95	-45.31	-	-	-	-	-	-	-	-	-
Gross Profit Margin	-	-	-	-	1	1	1	1	0.68	0.62	0.61	1	1	1	1	1	1	1	1
Operating Profit Margin	-	-	-	-	-	0.18	0.1	0.59	0.37	0.47	0.51	0.67	0.68	0.59	0.65	0.59	0.72	0.73	0.82
Pretax Profit Margin	0.12	0.21	0.32	-	0.18	0.18	0.1	0.12	0.08	0.07	0.01	0.15	0.17	0.09	0.13	-0.3	0.02	0.24	0.31
Net Profit Margin	0.12	0.21	0.32	-	0.12	0.12	0.06	0.04	0.06	0.05	0.01	0.08	0.1	0.08	0.13	-0.29	0.0	0.18	0.23
Effective Tax Rate	-	-	-	-	0.31	0.31	0.43	0.69	0.2	0.25	-0.11	0.43	0.4	0.19	-0.05	0.03	1.0	0.22	0.28
Return On Assets, ROA	0.01	0.02	0.03	-	0.01	0.01	0.01	0.0	0.01	0.01	0.0	0.01	0.01	0.01	0.01	-0.02	0.0	0.03	0.02
Return On Equity, ROE	0.07	0.15	0.22	-	0.12	0.11	0.06	0.04	0.07	0.06	0.01	0.07	0.09	0.07	0.09	-0.28	0.0	0.15	0.17
Return On Capital Employed, ROCE	0.26	-	-	0.05	0.18	0.01	0.01	0.05	0.08	0.1	0.1	0.07	0.07	0.06	0.06	0.05	0.07	0.1	0.07
Net Income Per Ebt	1.0	1.0	1.0	-	0.69	0.69	0.57	0.31	0.8	0.71	1.11	0.57	0.6	0.98	1.05	0.97	0.0	0.78	0.72
Ebt Per Ebit	-	-	-	-	-	1	1	0.2	0.21	0.15	0.01	0.22	0.25	0.15	0.2	-0.51	0.02	0.32	0.38
Ebit Per Revenue	-	-	-	-	-	0.18	0.1	0.59	0.37	0.47	0.51	0.67	0.68	0.59	0.65	0.59	0.72	0.73	0.82
Debt Ratio	0.88	0.88	0.88	-	0.01	0.01	0.02	-	0.11	0.03	0.02	0.01	0.02	0.02	0.01	0.02	0.0	0.0	0.02
Debt Equity Ratio	-	-	-	-	0.12	0.11	0.22	-	0.92	0.27	0.18	0.11	0.16	0.18	0.08	0.29	0.02	0.02	0.16
Long Term Debt To Capitalization	-	-	-	-	0.05	0.1	-	-	0.17	0.17	0.15	-	0.14	0.15	-	0.21	0.02	0.02	0.14
Total Debt To Capitalization	-	-	-	-	0.11	0.1	0.18	-	0.48	0.21	0.16	0.1	0.14	0.15	0.07	0.23	0.02	0.02	0.14
Interest Coverage	-	-	-	-	-	0.43	0.23	1.26	1.26	1.22	1.08	1.29	1.33	1.21	1.25	0.66	1.03	1.48	1.62
Cash Flow To Debt Ratio	-	-	-	-	-0.17	-3.34	6.28	-	0.21	1.14	-1.64	0.66	3.44	3.32	-3.33	3.21	30.33	-15.37	4.51
Company Equity Multiplier	8.05	8.4	8.07	-	10.8	11.23	11.55	10.78	8.36	7.63	8.83	7.74	9.21	8.48	7.63	11.76	7.13	5.8	9.07
Receivables Turnover	-	-	-	-	14.32	13.72	11.66	12.8	-	-	-	-	-	-	-	-	-	-	-
Payables Turnover	-	-	-	-	-	-	-	-	8.91	8.06	-	-	-	-	-	-	-	-	-
Fixed Asset Turnover	-	-	-	-	2.77	1.88	1.7	1.26	1.85	1.82	1.88	0.75	1.06	0.96	0.8	1.06	0.92	1.06	1.12
Asset Turnover	0.08	0.08	0.09	-	0.09	0.08	0.09	0.09	0.14	0.17	0.15	0.11	0.1	0.1	0.09	0.08	0.09	0.14	0.08
Operating Cash Flow Sales Ratio	-	-	-	-	-0.02	-0.43	1.37	0.22	0.16	0.24	-0.23	0.09	0.59	0.7	-0.39	0.99	1.09	-0.46	0.94
Free Cash Flow Operating Cash Flow Ratio	-	-	-	-	2.71	1.16	0.97	0.45	0.89	0.94	1.16	-3.26	0.89	0.72	1.86	0.96	0.95	1.71	0.14
Cash Flow Coverage Ratios	-	-	-	-	-0.17	-3.34	6.28	-	0.21	1.14	-1.64	0.66	3.44	3.32	-3.33	3.21	30.33	-15.37	4.51
Short Term Coverage Ratios	-	-	-	-	-	-	-	-	0.27	5.23	-26.06	-	-	-	-	-	-	-	-
Capital Expenditure Coverage Ratio	-	-	-	-	-0.59	-6.13	31.21	1.8	9.08	16.69	-6.15	0.24	8.99	3.62	-1.17	27.8	19.16	-1.41	1.16
Dividend Paid And Capex Coverage Ratio	-	-	-	-	-0.24	-6.13	13.26	1.8	3.36	16.69	-3.9	0.22	8.2	3.39	-1.17	27.8	19.16	-1.41	1.16
Dividend Payout Ratio	-	-	0.38	-	0.43	-	1.04	-	0.49	-	2.74	0.24	0.06	0.16	-	-	-	-	-
Price To Free Cash Flows Ratio, P/FCF	-	-	-	-	-11.11	-1.1	0.58	4.33	2.39	1.94	-2.18	-3.06	1.91	2.81	-7.67	8.38	9.68	-10.57	87.15
Price To Operating Cash Flows Ratio, P/OCF	-	-	-	-	-30.09	-1.28	0.56	1.93	2.13	1.82	-2.53	9.96	1.7	2.03	-14.24	8.07	9.17	-18.09	11.83
Price Cash Flow Ratio, P/CF	-	-	-	-	-30.09	-1.28	0.56	1.93	2.13	1.82	-2.53	9.96	1.7	2.03	-14.24	8.07	9.17	-18.09	11.83
Enterprise Value Multiple, EV	-	-	-	-	-	-	-12.49	-	20.61	-	-1.11	-0.46	-0.86	-	-	-	-	-	-
Price Fair Value, P/FV	0.58	0.73	1	-	0.65	0.48	0.78	0.4	0.41	0.55	0.76	0.75	0.92	1.19	3.7	7.61	6.65	6.87	8.33

All numbers in RUB currency

Quarterly Financial Ratios Кузнецкий Банк

	2023-Q3	2023-Q2	2023-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q3	2016-Q2	2016-Q1	2016-Q4	2015-Q3	2015-Q2	2015-Q1	2015-Q4	2014-Q2	2014-Q1	2014-Q4
Price Earnings Ratio, P/E	14.1	30.5	1.89	15.1	5.77	4.66	4.51	4.98	2.26	17.7	4.9	-2.29	3.21	1.31	3.93	2.92	-0.519	3.23	0.953	2.24	-	-10.5	4.62	-64.9	-	103	44.9	-	-25.8	110	-	5.47	-5.76	6.1
Price Sales Ratio, P/S	9.07	7.27	4.12	2.7	3.69	2.66	2.71	2.1	2.27	2.91	2.39	2.9	1.96	1.67	1.68	1.55	1.94	1.93	2.06	2.31	-	14	2.73	3.69	-	4.23	3.37	-	4.01	4.35	-	4.69	4.27	4.25
Price To Book Ratio, P/B	1.56	1.36	1.02	0.652	0.817	0.882	0.56	0.483	0.527	0.612	0.581	0.775	0.457	0.382	0.409	0.397	0.364	0.328	0.38	0.537	0.475	0.418	0.523	0.749	0.728	0.843	0.765	0.729	0.789	0.769	0.747	1.02	0.85	0.944
Price Earnings To Growth Ratio, PEG	0.101	-0.333	-	-0.215	-0.25	0.075	0.316	-0.093	0.003	-0.266	-0.038	0.007	-0.068	0.008	-0.315	-0.025	0.001	-0.044	-	-0.001	-	0.093	0.098	0.325	-	-1.03	-0.898	-	-	-1.1	-	-0.026	0.029	0.427
Operating Cash Flow Per Share	-	-	-	-0.006	0.001	0.001	0.004	-0.005	0.012	-0.011	-0.007	0.032	-0.005	0.009	-0.0	-0.005	0.003	0.002	0.004	-0.0	-0.0	0.01	-0.01	0.0	-0.0	-0.003	-0.0	0.0	-0.0	-0.004	0.0	-0.0	0.0	-
Free Cash Flow Per Share	-	-	-	-0.004	-0.0	-0.001	0.004	-0.002	0.01	-0.011	-0.009	0.031	-0.005	0.009	-0.0	-0.004	0.003	0.002	0.002	-0.0	-0.0	0.01	-0.01	0.0	-0.0	-0.003	-0.0	0.0	-0.0	-0.005	0.0	-0.0	0.0	-
Cash Per Share	0.035	0.017	0.011	0.068	0.049	0.049	0.056	0.084	0.046	0.06	0.042	0.065	0.057	0.048	0.044	0.054	0.037	0.029	0.023	0.019	0.015	0.022	0.017	0.025	0.015	0.024	0.023	0.016	0.024	0.016	0.026	0.023	-	0.032
Payout Ratio	-	-	-	-	-	-	-	-	-	-	-	-0.312	0.0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.0	-	-
Dividend Yield	-	-	-	-	-	-	-	-	-	-	-	0.034	0.0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.0	-	-	-	0.0	-	-
Current Ratio	-	-	-	65.2	51.1	49.2	48.6	69.4	30.8	-	-	-	-	-	-	53.4	41.5	27.4	23.4	-	-	-	-	-	10.9	-	-	9.04	13.8	9.99	-	19.8	-	22.1
Quick Ratio	-	-	-	65.2	51.1	49.2	48.6	69.4	30.8	-	-	-	-	-	-	53.4	41.5	27.4	23.4	-	-	-	-	-	10.9	-	-	9.04	13.8	9.99	-	19.8	-	22.1
Cash Ratio	-	-	-	63.5	49.4	47.4	47	67.9	29.7	-	-	-	-	-	-	51	38.6	24.8	20.6	-	-	-	-	-	10.9	-	-	9.04	13.8	9.99	-	19.8	-	22.1
Days Of Sales Outstanding, DSO	-	-	-	25.8	25.6	19.3	30.2	24.9	23.1	24	25	30.3	31.5	29.3	27.5	26.2	55.2	44.5	44.7	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Cycle	-	-	-	25.8	25.6	19.3	30.2	24.9	23.1	24	25	30.3	31.5	29.3	27.5	26.2	55.2	44.5	44.7	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash Conversion Cycle	-	-	-	25.8	25.6	19.3	30.2	24.9	23.1	24	25	30.3	31.5	29.3	27.5	26.2	55.2	44.5	44.7	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit Margin	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	-	1	1	1	-	1	1	-	1	1	-	1	1	1
Operating Profit Margin	0.267	0.209	0.561	0.076	0.296	0.151	0.224	0.163	0.296	0.092	0.153	-0.364	0.249	0.398	0.16	0.127	-0.873	0.346	0.616	-0.259	-	7.69	0.185	0.6	-	0.048	0.063	-	-0.019	0.097	-	0.2	-0.103	-0.004
Pretax Profit Margin	0.267	0.209	0.561	0.076	0.296	0.151	0.224	0.202	0.277	0.092	0.132	-0.364	0.249	0.398	0.16	0.127	-0.873	0.346	0.616	0.315	-	8.55	0.185	0.069	-	0.048	0.063	-	-0.019	0.097	-	0.2	-0.103	0.286
Net Profit Margin	0.16	0.06	0.545	0.045	0.16	0.143	0.15	0.105	0.251	0.041	0.122	-0.317	0.153	0.319	0.106	0.133	-0.937	0.15	0.541	0.259	-	-0.334	0.148	-0.014	-	0.01	0.019	-	-0.039	0.01	-	0.214	-0.185	0.174
Effective Tax Rate	0.4	0.715	0.029	0.41	0.459	0.056	0.329	0.477	0.161	0.556	0.231	0.129	0.385	0.199	0.332	-0.045	-0.073	0.568	0.122	0.179	-	0.939	0.202	1.21	-	0.789	0.703	-	-1.04	0.897	-	-0.07	-0.791	0.391
Return On Assets, ROA	0.003	0.002	0.019	0.001	0.003	0.004	0.003	0.002	0.005	0.001	0.003	-0.007	0.004	0.007	0.003	0.003	-0.017	0.003	0.014	0.008	-	-0.001	0.004	-0.0	-	0.0	0.0	-	-0.001	0.0	-	0.005	-	0.004
Return On Equity, ROE	0.028	0.011	0.135	0.011	0.035	0.047	0.031	0.024	0.058	0.009	0.03	-0.085	0.036	0.073	0.026	0.034	-0.175	0.025	0.1	0.06	-	-0.01	0.028	-0.003	-	0.002	0.004	-	-0.008	0.002	-	0.047	-0.037	0.039
Return On Capital Employed, ROCE	0.006	0.005	0.019	0.002	0.006	0.005	0.004	0.003	0.006	0.002	0.003	-0.008	0.006	0.009	0.004	0.003	-0.016	0.008	0.016	-0.008	-	0.029	0.005	0.014	-	0.001	0.002	-	-0.0	0.002	-	0.005	-	-0.0
Net Income Per Ebt	0.6	0.285	0.971	0.59	0.541	0.944	0.671	0.523	0.908	0.445	0.927	0.871	0.615	0.801	0.668	1.04	1.07	0.432	0.878	0.821	-	-0.039	0.798	-0.206	-	0.211	0.297	-	2.04	0.103	-	1.07	1.79	0.609
Ebt Per Ebit	1	1	1	1	1	1	1	1.24	0.936	0.999	0.863	1	1	1	1	1	1	1	1	-1.22	-	1.11	1	0.115	-	1	1	-	1	1	-	1	1	-71.3
Ebit Per Revenue	0.267	0.209	0.561	0.076	0.296	0.151	0.224	0.163	0.296	0.092	0.153	-0.364	0.249	0.398	0.16	0.127	-0.873	0.346	0.616	-0.259	-	7.69	0.185	0.6	-	0.048	0.063	-	-0.019	0.097	-	0.2	-0.103	-0.004
Debt Ratio	0.011	0.001	-	0.012	0.014	0.012	0.009	0.01	-	-	-	-	-	-	-	-	0.002	0.002	0.003	0.005	0.003	0.003	0.007	0.006	-	0.001	0.001	0.002	0.002	0.002	-	0.002	-	0.019
Debt Equity Ratio	0.09	0.008	-	0.125	0.144	0.136	0.097	0.113	-	-	-	-	-	-	-	-	0.018	0.012	0.023	0.036	0.026	0.027	0.052	0.051	-	0.009	0.012	0.013	0.014	0.014	-	0.019	-	0.176
Long Term Debt To Capitalization	0.082	0.008	-	0.111	0.126	0.12	0.089	0.101	-	-	-	-	-	-	-	-	0.017	0.012	0.022	0.035	0.025	0.026	0.05	0.049	-	0.008	0.011	0.012	0.014	0.014	-	0.019	-	0.15
Total Debt To Capitalization	0.082	0.008	-	0.111	0.126	0.12	0.089	0.101	-	-	-	-	-	-	-	-	0.017	0.012	0.022	0.035	0.025	0.026	0.05	0.049	-	0.008	0.011	0.012	0.014	0.014	-	0.019	-	0.15
Interest Coverage	0.607	-	-	0.243	0.868	0.633	0.576	0.461	0.774	0.191	0.328	-0.864	0.555	0.85	0.362	0.294	-1.47	0.748	1.43	-	-	2.46	0.403	-	-	0.058	0.087	-	-0.023	0.136	-	0.329	-0.171	-
Cash Flow To Debt Ratio	-	-	-	-1.87	0.267	0.199	1.53	-1.55	-	-	-	-	-	-	-	-	7.71	5.54	5.16	-0.002	-0.014	13	-6.67	0.013	-	-13.9	-0.046	0.033	-0.059	-11.7	-	-0.006	-	-
Company Equity Multiplier	7.89	7.3	7.19	10.8	10.5	11	10.8	11.2	10.7	10.9	10.7	11.5	9.99	9.94	10	10.8	10.1	7.68	7.25	7.49	7.9	7.88	7.16	8.88	9.21	8.64	8.87	8.42	8.91	7.42	7.74	9.13	-	9.21
Receivables Turnover	-	-	-	3.49	3.51	4.66	2.98	3.62	3.9	3.75	3.6	2.97	2.86	3.07	3.27	3.43	1.63	2.02	2.01	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Fixed Asset Turnover	0.774	0.751	1.04	0.567	0.499	0.738	0.457	0.497	0.516	0.41	0.403	0.449	0.359	0.339	0.345	0.338	0.225	0.19	0.203	0.334	-	0.032	0.215	0.167	-	0.208	0.201	-	0.296	0.263	-	0.279	-	0.258
Asset Turnover	0.022	0.026	0.034	0.022	0.021	0.03	0.019	0.02	0.022	0.019	0.023	0.023	0.023	0.023	0.024	0.024	0.019	0.022	0.025	0.031	-	0.004	0.027	0.023	-	0.023	0.026	-	0.022	0.024	-	0.024	-	0.024
Operating Cash Flow Sales Ratio	-	-	-	-0.968	0.173	0.082	0.719	-0.762	1.89	-1.96	-1.12	4.7	-0.791	1.42	-0.061	-0.757	0.721	0.381	0.641	-0.0	-	11.6	-1.82	0.003	-	-0.596	-0.002	-	-0.004	-0.927	-	-0.001	0.003	-
Free Cash Flow Operating Cash Flow Ratio	-	-	-	0.649	-0.233	-1.4	0.945	0.51	0.829	1.01	1.29	0.975	1.04	0.985	1.01	0.955	0.985	0.711	0.445	1.02	1	0.978	1	1.01	1.03	1	0.886	0.828	1.01	1.26	0.471	1.2	0.967	-
Cash Flow Coverage Ratios	-	-	-	-1.87	0.267	0.199	1.53	-1.55	-	-	-	-	-	-	-	-	7.71	5.54	5.16	-0.002	-0.014	13	-6.67	0.013	-	-13.9	-0.046	0.033	-0.059	-11.7	-	-0.006	-	-
Capital Expenditure Coverage Ratio	-	-	-	-2.85	0.811	0.417	18.3	-2.04	5.83	-153	-3.46	40	-27.3	65.6	-76.6	-22.1	68.8	3.46	1.8	-58.5	-252	46.5	-208	186	-31.2	-	-0.009	5.8	-83.3	-3.82	0.002	-4.98	0.03	-
Dividend Paid And Capex Coverage Ratio	-	-	-	-2.85	0.811	0.417	18.3	-2.04	5.83	-153	-3.46	21.7	-27.3	65.6	-76.6	-22.1	68.8	3.46	1.8	-58.5	-252	46.5	-208	186	-31.2	-	-0.009	4.13	-83.3	-3.82	0.002	-2.7	0.03	-
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-	-	-0.312	0.0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.0	-	-
Price To Free Cash Flows Ratio, P/FCF	-	-	-	-4.3	-91.4	-23.2	3.98	-5.4	1.45	-1.47	-1.66	0.633	-2.39	1.19	-27	-2.15	2.73	7.13	7.22	-8.1 K	-1.33 K	1.23	-1.5	1.12 K	-1.52 K	-7.09	-1.64 K	2.13 K	-948	-3.72	2.83 K	-7.46 K	1.68 K	-
Price To Operating Cash Flows Ratio, P/OCF	-	-	-	-2.79	21.3	32.5	3.76	-2.76	1.2	-1.48	-2.14	0.618	-2.48	1.17	-27.3	-2.05	2.69	5.07	3.22	-8.24 K	-1.34 K	1.2	-1.5	1.12 K	-1.57 K	-7.09	-1.45 K	1.77 K	-959	-4.69	1.33 K	-8.96 K	1.63 K	-
Price Cash Flow Ratio, P/CF	-	-	-	-2.79	21.3	32.5	3.76	-2.76	1.2	-1.48	-2.14	0.618	-2.48	1.17	-27.3	-2.05	2.69	5.07	3.22	-8.24 K	-1.34 K	1.2	-1.5	1.12 K	-1.57 K	-7.09	-1.45 K	1.77 K	-959	-4.69	1.33 K	-8.96 K	1.63 K	-
Enterprise Value Multiple, EV	4.9	25	5.57	-	-	-	-	-	-	-50.4	-22.7	20	-25.1	-14.7	-29.5	-	-	-	-	-	-	-	-	-	-	-21.9	-18.1	-	74.8	4.74	-	-2.13	-41.3	-
Price Fair Value, P/FV	1.56	1.36	1.02	0.652	0.817	0.882	0.56	0.483	0.527	0.612	0.581	0.775	0.457	0.382	0.409	0.397	0.364	0.328	0.38	0.537	0.475	0.418	0.523	0.749	0.728	0.843	0.765	0.729	0.789	0.769	0.747	1.02	0.85	0.944

All numbers in RUB currency

Multiples are an important financial analysis tool for the company Кузнецкий Банк, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios

Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks industry

Issuer	Price	% 24h	Market Cap	Country
Lloyds Banking Group plc LYG	$ 5.47	0.09 %	$ 327 B	Britain
Barclays PLC BCS	$ 22.74	0.33 %	$ 321 B	Britain
Mitsubishi UFJ Financial Group MUFG	$ 21.88	0.22 %	$ 249 B	Japan
America First Multifamily Investors, L.P. ATAX	-	-0.1 %	$ 424 M	USA
Canadian Imperial Bank of Commerce CM	$ 110.45	1.41 %	$ 103 B	Canada
International Bancshares Corporation IBOC	$ 67.15	0.01 %	$ 4.17 B	USA
South State Corporation SSB	$ 99.17	1.33 %	$ 10 B	USA
JPMorgan Chase & Co. JPM	$ 335.28	1.16 %	$ 931 B	USA
ING Groep N.V. ING	$ 33.46	0.72 %	$ 100 B	Niderland
UBS Group AG UBS	$ 47.15	0.06 %	$ 149 B	Schweiz
Wells Fargo & Company WFC	$ 80.9	0.22 %	$ 259 B	USA
Credicorp Ltd. BAP	$ 383.94	0.85 %	$ 30.5 B	Peru
Royal Bank of Canada RY	$ 193.82	0.99 %	$ 273 B	Canada
Great Western Bancorp, Inc. GWB	-	-2.02 %	$ 1.82 B	USA
Banco Santander, S.A. SAN	$ 13.41	0.3 %	$ 200 B	Spain
Banco de Chile BCH	$ 39.04	0.27 %	$ 3.94 T	Chile
East West Bancorp EWBC	$ 124.6	0.67 %	$ 17.2 B	USA
HDFC Bank Limited HDB	$ 22.63	0.02 %	$ 173 B	India
The Bank of N.T. Butterfield & Son Limited NTB	$ 57.95	0.17 %	$ 2.32 B	Bermuda
Sumitomo Mitsui Financial Group SMFG	$ 24.75	0.72 %	$ 96.7 B	Japan
Credit Suisse Group AG CS	-	-0.03 %	$ 3.27 B	Schweiz
The Toronto-Dominion Bank TD	$ 117.63	1.21 %	$ 203 B	Canada
Altabancorp ALTA	-	-1.25 %	$ 834 M	USA
Itaú Corpbanca ITCB	-	1.18 %	$ 2.2 B	Chile
Westpac Banking Corporation WBK	-	-1.17 %	$ 52.7 B	Australia
OptimumBank Holdings OPHC	-	0.21 %	$ 34.4 M	USA
Premier Financial Corp. PFC	-	-	$ 1 B	USA
Росбанк ROSB	-	-	-	Russia
Банк Санкт-Петербург BSPB	-	-	-	Russia
РосДорБанк RDRB	-	-	-	Russia
Банк АВАНГАРД AVAN	-	-	-	Russia
Московский Кредитный Банк CBOM	-	-	-	Russia
Приморье Банк PRMB	-	-	-	Russia
Уралсиб USBN	-	-	-	Russia
Сбербанк SBER	-	-	-	Russia
Банк ВТБ VTBR	-	-	-	Russia
МТС Банк MBNK	-	-	-	Russia
Совкомбанк SVCB	-	-	-	Russia
ДОМ.РФ DOMRF	-	-	-	Russia
TCS Group Holding PLC TCSG	-	-	-	Russia
Grupo Aval Acciones y Valores S.A. AVAL	$ 4.9	0.2 %	$ 79.4 B	Colombia
Bank of America BAC	$ 51.39	0.48 %	$ 387 B	USA
Bank of the James Financial Group BOTJ	$ 27.02	0.04 %	$ 123 M	USA
Banco Bilbao Vizcaya Argentaria, S.A. BBVA	$ 25.76	1.6 %	$ 148 B	Spain
Citigroup C	$ 122.27	1.76 %	$ 224 B	USA
Bank of Montreal BMO	$ 163.62	0.85 %	$ 118 B	Canada
Eastern Bankshares EBC	$ 20.83	0.33 %	$ 4.23 B	USA
NatWest Group plc NWG	$ 17.6	2.44 %	$ 142 B	Britain
Generations Bancorp NY GBNY	-	1.23 %	$ 34.4 M	USA

Кузнецкий Банк Financial Ratios 2025-2007 | KUZB

Brief overview of Кузнецкий Банк's valuation multiples

What the ratios show

Annual Financial Ratios Кузнецкий Банк

Price Earnings Ratio, P/E

Price Sales Ratio, P/S

Price To Book Ratio, P/B

Price Earnings To Growth Ratio, PEG

Operating Cash Flow Per Share

Free Cash Flow Per Share

Cash Per Share

Payout Ratio

Dividend Yield

Current Ratio

Quick Ratio

Cash Ratio

Days Of Sales Outstanding, DSO

Days Of Payables Outstanding, DPO

Operating Cycle

Cash Conversion Cycle

Gross Profit Margin

Operating Profit Margin

Pretax Profit Margin

Net Profit Margin

Effective Tax Rate

Return On Assets, ROA

Return On Equity, ROE

Return On Capital Employed, ROCE

Net Income Per Ebt

Ebt Per Ebit

Ebit Per Revenue

Debt Ratio

Debt Equity Ratio

Long Term Debt To Capitalization

Total Debt To Capitalization

Interest Coverage

Cash Flow To Debt Ratio

Company Equity Multiplier

Receivables Turnover

Payables Turnover

Fixed Asset Turnover

Asset Turnover

Operating Cash Flow Sales Ratio

Free Cash Flow Operating Cash Flow Ratio

Cash Flow Coverage Ratios

Short Term Coverage Ratios

Capital Expenditure Coverage Ratio

Dividend Paid And Capex Coverage Ratio

Dividend Payout Ratio

Price To Free Cash Flows Ratio, P/FCF

Price To Operating Cash Flows Ratio, P/OCF

Price Cash Flow Ratio, P/CF

Enterprise Value Multiple, EV

Price Fair Value, P/FV

Annual performance