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Qiwi plc QIWI
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Quarterly report 2023-Q4
added 07-04-2026

Qiwi plc Financial Ratios 2023-2011 | QIWI

Brief overview of Qiwi plc's market valuation

Ratios are assessed across five available annual reports in the 2017–2021 interval.

Key multiples at the end of the period are P/E 0.03x (median 0.21x), P/B 0.01x (median 0.03x), P/CF 0.09x (median 0.11x). Valuation is roughly 82.8% below five-year reference levels. The discount may reflect opportunity or higher perceived risk.

Current measures of operating quality are ROE 27.8%, ROA 20.9%, ROCE 36.3%. Current resource returns are convincing and help explain a higher market valuation.

Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.

What the ratios show

Qiwi plc's fundamental efficiency looks stronger than its current valuation relative to history. Future reports should confirm the conclusion.

Annual Financial Ratios Qiwi plc

2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

115599.0 25812.7 26595.5 62763.2 204313.8 228594.1 273174.1 268163.5 106228.2 15.9 76.0 - -

P/S

49352.2 84255.8 225958.5 13809.7 27781.1 28009.4 41073.5 37329.9 31622.0 5.4 12.2 - -

EPS

44.1 209.5 278.7 142.0 78.2 58.6 51.2 40.9 89.7 - - - -

EV (Enterprise Value)

356 T 355 T 466 T 561 T 998 T 829 T 858 T 667 T 560 T 22.8 B 19.8 B 16.2 B 13 B

EBITDA per Share

- - 192 228 194 145 65.7 99.6 102 84.5 56.3 - -

EV/EBITDA

347241.5 -333966.5 -916199.2 39887.8 83367.6 93353.8 215063.5 161339.0 115186.4 -3.5 -3.3 - -

PEG

- 2288.49 1087.21 2320.45 7358.91 7353.86 0.99 -0.46 -2.36 0.1 0.72 - -

P/B

2909.0 3172.2 5557.1 17656.3 36391.8 32244.7 40568.7 33424.8 24971.4 9.3 50.9 - -

P/CF

36008.4 23843.5 -103409.9 91933.4 108072.5 36603.3 241099.1 120414.7 -556353.0 0.2 0.4 - -

ROE %

5.14 23.76 40.00 28.13 17.81 14.11 14.85 12.46 23.51 58.60 66.93 - -

ROA %

2.52 12.29 20.89 10.73 6.00 4.97 6.97 6.27 12.68 16.72 9.06 - -

ROCE %

1.70 -1.74 -1.00 36.34 38.34 33.27 18.15 19.87 20.63 49.39 96.71 - -

Current Ratio

- - - 1.6 1.5 1.5 1.9 2.0 2.2 1.2 0.9 - -

DSO

- - - - - - - 66.6 48.9 23.4 27.2 - -

DIO

- - - - - - - - 0.4 4.5 1.1 - -

DPO

- - - - - - - 14.3 14.8 24.7 20.0 - -

Operating Cycle

- - - - - - - 66.6 49.3 27.9 28.3 - -

Cash Conversion Cycle

- - - - - - - 52.3 34.5 3.2 8.3 - -

All numbers in RUB currency

Quarterly Financial Ratios Qiwi plc

2023-Q4 2022-Q4 2022-Q3 2022-Q2 2022-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-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

44.14 209.5 - - - 278.68 - - - 142.04 - - 25.54 78.2 18.96 - 21.35 58.56 13.74 - - 51.25 - - - 40.91 - - - 89.72 - - - - - - - - - - - - - - - - - - -

ROE %

97.03 97.57 73.81 73.81 73.81 91.62 51.62 51.62 51.62 55.87 27.74 27.74 32.67 41.10 26.76 22.51 37.36 44.90 54.30 50.82 50.82 14.85 - - - 12.46 - - - 23.51 - - - - - - - - - - - - - - - - - - -

ROA %

46.43 46.12 33.83 33.83 33.83 39.83 18.94 18.94 18.94 20.62 9.89 9.89 14.86 19.62 19.90 18.21 18.21 4.97 - - - 6.97 - - - 6.27 - - - - - - - - - - - - - - - - - - - - - - -

ROCE %

35.31 39.44 41.18 41.18 41.18 79.52 80.52 80.52 80.52 85.39 49.05 49.05 56.08 83.52 49.47 44.59 62.73 75.58 63.99 59.69 59.69 18.15 - - - 19.87 - - - 21.68 - - - - - - - - - - - - - - - - - - -

All numbers in RUB currency

Multiples are an important financial analysis tool for the company Qiwi plc, 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 Payment services industry

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SC
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Dunxin Financial Holdings Limited Dunxin Financial Holdings Limited
DXF
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ORIX Corporation ORIX Corporation
IX
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Qudian Qudian
QD
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LexinFintech Holdings Ltd. LexinFintech Holdings Ltd.
LX
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Oaktree Specialty Lending Corporation Oaktree Specialty Lending Corporation
OCSL
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Barings BDC, Inc. Barings BDC, Inc.
BBDC
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360 DigiTech 360 DigiTech
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Goldman Sachs BDC, Inc. Goldman Sachs BDC, Inc.
GSBD
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FinVolution Group FinVolution Group
FINV
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Consumer Portfolio Services Consumer Portfolio Services
CPSS
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Lufax Holding Ltd Lufax Holding Ltd
LU
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Oportun Financial Corporation Oportun Financial Corporation
OPRT
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SLM Corporation SLM Corporation
SLM
$ 27.08 2.73 % $ 5.61 B usaUSA
X Financial X Financial
XYF
$ 5.53 0.36 % $ 1.35 B -
Federal Agricultural Mortgage Corporation Federal Agricultural Mortgage Corporation
AGM
$ 227.78 2.08 % $ 2.49 B usaUSA
Senmiao Technology Limited Senmiao Technology Limited
AIHS
$ 1.76 13.55 % $ 4.71 M chinaChina
Ally Financial Ally Financial
ALLY
$ 43.73 0.32 % $ 13.6 B usaUSA
Atlanticus Holdings Corporation Atlanticus Holdings Corporation
ATLC
$ 93.13 3.08 % $ 1.41 B usaUSA
American Express Company American Express Company
AXP
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Credit Acceptance Corporation Credit Acceptance Corporation
CACC
$ 604.72 0.52 % $ 6.92 B usaUSA
Capital One Financial Corporation Capital One Financial Corporation
COF
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CURO Group Holdings Corp. CURO Group Holdings Corp.
CURO
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Discover Financial Services Discover Financial Services
DFS
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Enova International Enova International
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EZCORP EZCORP
EZPW
$ 33.32 0.06 % $ 1.91 B usaUSA
FirstCash FirstCash
FCFS
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Green Dot Corporation Green Dot Corporation
GDOT
$ 13.33 0.23 % $ 734 M usaUSA
LendingClub Corporation LendingClub Corporation
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Dragon Victory International Limited Dragon Victory International Limited
LYL
- -2.89 % $ 13.5 M chinaChina
Mastercard Inc. Mastercard Inc.
MA
$ 579.21 1.21 % $ 524 B usaUSA
Medallion Financial Corp. Medallion Financial Corp.
MFIN
$ 12.22 1.75 % $ 278 M usaUSA
MoneyGram International MoneyGram International
MGI
- - $ 1.07 B usaUSA
Navient Corporation Navient Corporation
NAVI
$ 9.63 3.33 % $ 953 M usaUSA
Nicholas Financial Nicholas Financial
NICK
- -0.16 % $ 45.1 M usaUSA
Nelnet Nelnet
NNI
$ 127.31 0.03 % $ 4.63 B usaUSA
OneMain Holdings OneMain Holdings
OMF
$ 64.63 0.08 % $ 7.67 B usaUSA
PRA Group PRA Group
PRAA
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Regional Management Corp. Regional Management Corp.
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Security National Financial Corporation Security National Financial Corporation
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