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Росгосстрах logo
Росгосстрах RGSS
report update icon

Quarterly report 2026-Q2
added 09-06-2026

Росгосстрах Balance Sheet 2025-2011 | RGSS

Brief overview of Росгосстрах's assets and capital

The review uses the five latest available annual reports between 2021 and 2025.

Across five reporting periods, assets decreased -35%, from ₽207.6 billion to ₽135 billion, producing a negative trend.

Liabilities grew more slowly than assets: -54.7% versus -35%. Expansion relied more on equity, improving funding quality.

For this sector, the direction of capital matters more than a high liability share itself: the equity ratio is 47.3% versus 24.2%.

Balance sheet takeaway

Росгосстрах retains a reasonably healthy balance sheet structure, which still needs support from earnings and cash flow.

Annual Balance Sheet Росгосстрах

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

Cash And Cash Equivalents

358 M 390 M 4.11 B 372 M 2.03 B 1.29 B 1.06 B 778 M 3.65 B 4.04 B 9.94 B 9.72 B 9.04 B 8.87 B 17.5 B

Total Current Assets

- - 66.7 B 372 M 18.6 B 15.9 B 6.6 B 6.8 B 5.34 B 6.54 B 13 B 13.2 B 11.8 B 11.2 B 19.5 B

Property Plant Equipment Net

- - 8.04 B 8.18 B 8.06 B 8.26 B 8.9 B 8.89 B 7.89 B 10.5 B 10.3 B 11.9 B 12.2 B 10.2 B 9.87 B

Intangible Assets

- - 6.18 B 5.48 B 4.76 B 3.27 B 1.83 B 750 M 941 M 971 M 1.26 B 1.44 B 1.67 B 1.73 B 2.02 B

Goodwill And Intangible Assets

- - 7.63 B 5.48 B 4.76 B 3.27 B 1.83 B 750 M 941 M 4.86 B 5.15 B 5.33 B 5.56 B 5.71 B 5.91 B

Long-Term Investments

- - 51.8 B 22.5 B 76.6 B 67.4 B 66.4 B 50.9 B 25.6 B 42.2 B 72.5 B 45.7 B 39.1 B 36.5 B 30.5 B

Tax Assets

- - 7.96 B 8.19 B 9.74 B 10.1 B 11.3 B 10.4 B 9.5 B 6.37 B 1.14 B - - - -

Total Non Current Assets

- - 76.8 B 44.3 B 99.2 B 89 B 88.4 B 71 B 43.9 B 63.9 B 89.1 B 62.9 B 56.9 B 52.4 B 46.3 B

Total Assets

135 B 128 B 143 B 139 B 208 B 188 B 160 B 141 B 154 B 165 B 181 B 181 B 151 B 146 B 135 B

Account Payables

- - 5.95 B 3.9 B 7.71 B 7.48 B 5.25 B 4.78 B 4.59 B 11.6 B 4.25 B 585 M 1.08 B 8.3 B 7.65 B

Short-Term Debt

- - -6.76 B - - - - - - - - 31.7 M 608 M - 451 M

Tax Payables

- - 54.6 M 48 M 52.2 M 141 M 2 B 213 M 146 M 294 M 295 M 546 M 383 M 353 M 413 M

Deferred Revenue

- - 199 M 3.41 B 3.83 M 1.09 B 4.55 B 4.3 M - 12.5 B - - - - -

Total Current Liabilities

- - 32.4 B 3.9 B 7.69 B 7.51 B 5.25 B 4.78 B 4.59 B 16.2 B 9.27 B 7.93 B 8.35 B 8.65 B 8.11 B

Long-Term Debt

- - 1.04 B 1.77 B 2.79 B 4.21 B 2.5 B - - 3.66 B 1.03 B 4.84 B 8.1 B 10.5 B 16.9 B

Deferred Revenue Non Current

- - 199 M 811 M 3.83 M 1.09 B 638 M 617 M - 4.46 B - 10.1 B 7.57 B 6.48 B -

Deferred Tax Liabilities Non Current

- - - - - - - 84.2 M 2.69 B 2.19 B - 942 M 1.04 B 339 M -

Total Non Current Liabilities

- - 53.8 B 2.58 B 2.79 B 3.2 B 3.14 B 4.78 B 4.59 B 16.2 B 9.27 B 7.93 B 8.35 B 8.65 B 8.11 B

Total Liabilities

71.2 B 71.2 B 86.2 B 85.3 B 157 B 140 B 108 B 96.3 B 115 B 153 B 157 B 146 B 119 B 119 B 113 B

Retained Earnings

- - -93 B -96.6 B -107 B -110 B -105 B -113 B -119 B -44.5 B -10.5 B -6.82 B -10.8 B -13.8 B -17.9 B

Accumulated Other Comprehensive Income Loss

- - 879 M 981 M 955 M 1.27 B 1.48 B -2.16 B -1.57 B -2.48 B -2.2 B -2.37 B -2.06 B -2.14 B -2.13 B

Total Stockholders Equity

63.8 B 56.8 B 57.3 B 53.9 B 50.3 B 48 B 52.8 B 44.9 B 38.7 B 11.8 B 24.3 B 28.2 B 24.2 B 20.6 B 16.4 B

Total Liabilities And Stockholders Equity

135 B 128 B 143 B 139 B 208 B 188 B 160 B 141 B 154 B 165 B 181 B 181 B 151 B 146 B 135 B

Total Investments

- - 104 B 22.5 B 93.2 B 82 B 71.9 B 57 B 27.3 B 44.7 B 75.5 B 49.1 B 41.9 B 38.8 B 32.5 B

Total Debt

- - 1.49 B 1.77 B 2.79 B 2.1 B 2.5 B - - 3.66 B 1.03 B 4.87 B 8.71 B 10.5 B 17.3 B

Net Debt

-360 M -390 M -2.62 B 1.39 B 759 M 817 M 1.44 B -778 M -3.65 B -374 M -8.91 B -4.85 B -334 M 1.62 B -124 M

All numbers in RUB currency

Quarterly Balance Sheet Росгосстрах

2026-Q2 2025-Q4 2025-Q2 2024-Q4 2024-Q2 2023-Q4 2023-Q2 2022-Q4 2021-Q4 2021-Q2 2020-Q4 2020-Q2 2019-Q4 2019-Q2 2018-Q4 2018-Q2 2017-Q4 2017-Q2 2016-Q4 2016-Q2 2015-Q4 2015-Q2 2014-Q4 2014-Q2 2013-Q4 2012-Q4 2012-Q2

Cash And Cash Equivalents

387 M 358 M 434 M 390 M 333 M 560 M 293 M 372 M 2.03 B 1.08 B 1.29 B 2.82 B 1.06 B 776 M 778 M 1.32 B 3.65 B 11.4 B 4.04 B 8.39 B 9.94 B 20.3 B 9.72 B 13.1 B 9.04 B 8.87 B 13.2 B

Total Current Assets

- - - - 333 M - -3.2 B 372 M 18.6 B 14.4 B 15.9 B 11.2 B 6.6 B 5.83 B 6.8 B 2.96 B 5.34 B 14.1 B 6.54 B 11.3 B 13 B 20.3 B 13.2 B 16.3 B 11.8 B 11.2 B 15.3 B

Property Plant Equipment Net

- - - - 8.1 B - 8.07 B 8.18 B 8.06 B 8.02 B 8.26 B 8.5 B 8.9 B 9.51 B 8.89 B 7.64 B 7.89 B 10.2 B 10.5 B 9.68 B 10.3 B 11.5 B 11.9 B 12.2 B 12.2 B 10.2 B 10 B

Intangible Assets

- - - - 25.2 B - 5.51 B 5.48 B 4.76 B 4.01 B 3.27 B 2.29 B 1.83 B 927 M 750 M 816 M 941 M 1.2 B 971 M 1.11 B 1.26 B 7.53 B 1.44 B 1.5 B 1.67 B 1.73 B 1.88 B

Goodwill And Intangible Assets

- - - - 26.6 B - 5.51 B 5.48 B 4.76 B 4.01 B 3.27 B 2.29 B 1.83 B 927 M 750 M 816 M 941 M 5.09 B 4.86 B 5 B 5.15 B 11.4 B 5.33 B 5.4 B 5.56 B 5.71 B 5.81 B

Long-Term Investments

- - - - - - 24.5 B 22.5 B 76.6 B 78.9 B 67.4 B 61 B 66.4 B 64.4 B 50.9 B 15.2 B 25.6 B 45.8 B 42.2 B 59.4 B 72.5 B - 45.7 B 44.8 B 39.1 B 36.5 B 33.5 B

Tax Assets

- - - - - - 6.87 B 8.19 B 9.74 B 9.22 B 10.1 B 10.8 B 11.3 B 10.3 B 10.4 B 10.5 B 9.5 B 7.98 B 6.37 B 1.65 B 1.14 B - - - - - -

Total Non Current Assets

- - - - 155 B - 147 B 44.3 B 99.2 B 100 B 89 B 82.6 B 88.4 B 85.2 B 71 B 34.2 B 43.9 B 69 B 63.9 B 75.7 B 89.1 B 161 B 62.9 B 62.4 B 56.9 B 52.4 B 49.4 B

Total Assets

132 B 135 B 130 B 128 B 155 B 149 B 144 B 139 B 208 B 191 B 188 B 173 B 160 B 143 B 141 B 143 B 154 B 169 B 165 B 168 B 181 B 182 B 181 B 169 B 151 B 146 B 140 B

Account Payables

- - - - - - 5.73 B 3.9 B 7.71 B 7.34 B 7.48 B 2.84 B 5.25 B 3.45 B 4.78 B 4.21 B 4.59 B 7.19 B 11.2 B 13.2 B 11.2 B - 7.9 B 7.33 B 7.74 B 8.3 B 7.98 B

Short-Term Debt

- - - - - - - - - - - - - - - - - - - - - - 31.7 M - 608 M - 226 M

Tax Payables

- - - - - - 47.3 M 48 M 52.2 M 253 M 141 M 1.5 B 2 B 918 K 213 M 229 M 146 M 225 M 294 M 412 M 295 M - 546 M 338 M 383 M 353 M 383 M

Deferred Revenue

- - - - - - - - - - 1.09 B 5.53 M 4.55 B - - - - - - - - - - - - - -

Total Current Liabilities

- - - - 5.79 B - - 3.9 B 7.69 B 7.34 B 7.51 B 7.07 B 5.25 B 3.45 B 4.78 B 4.21 B 4.59 B 7.19 B 16.2 B 13.2 B 9.27 B 2.37 B 7.93 B 7.33 B 8.35 B 8.65 B 8.38 B

Long-Term Debt

- - - - 1.39 B - 1.57 B 1.77 B 2.79 B 2.04 B 4.21 B 2.34 B 2.5 B 850 M - - - 3.68 B 3.66 B 1.05 B 1.03 B 1.81 B 4.84 B 6.01 B 8.1 B 10.5 B 13.7 B

Deferred Revenue Non Current

- - - - - - 902 M 811 M 3.83 M 965 M 1.09 B 849 M 638 M 4.97 M 617 M 1.16 B - - - - - - 10.1 B 7.81 B 7.57 B 6.48 B 3.24 B

Deferred Tax Liabilities Non Current

- - - - - - - - - - - 111 K - 52 M 84.2 M - - - - - - - 942 M 836 M 1.04 B 339 M 169 M

Total Non Current Liabilities

- - - - 90.6 B - - 2.58 B 2.79 B 3 B 3.2 B 3.19 B 3.14 B 3.45 B 4.78 B 4.21 B 4.59 B 7.19 B 16.2 B 13.2 B 9.27 B 140 B 7.93 B 7.33 B 8.35 B 8.65 B 8.38 B

Total Liabilities

56.5 B 60.5 B 59.1 B 62.3 B 96.4 B 91.6 B 87.8 B 85.3 B 157 B 142 B 140 B 114 B 108 B 94.1 B 96.3 B 102 B 115 B 141 B 153 B 152 B 157 B 142 B 146 B 133 B 119 B 119 B 116 B

Retained Earnings

- - - - -91.5 B - -94.4 B -96.6 B -107 B -108 B -110 B -99 B -105 B -109 B -113 B -117 B -119 B -68 B -44.5 B -19.9 B -10.5 B -2.89 B -6.82 B -6.34 B -10.8 B -13.8 B -15.9 B

Accumulated Other Comprehensive Income Loss

- - - - 820 M - - - - - 123 M 152 M 112 M - -2.16 B -1.91 B -1.57 B - -2.48 B - -2.2 B 2.15 B -2.37 B - -2.06 B -2.14 B -2.13 B

Total Stockholders Equity

75.6 B 74.5 B 71.1 B 65.7 B 58.8 B 57.3 B 56 B 53.9 B 50.3 B 49.2 B 48 B 59.2 B 52.8 B 49 B 44.9 B 41.3 B 38.7 B 28.4 B 11.8 B 16.1 B 24.3 B 31.6 B 28.2 B 28.6 B 24.2 B 20.6 B 18.5 B

Total Liabilities And Stockholders Equity

- - - - 155 B - 144 B 139 B 208 B 191 B 188 B 173 B 160 B 143 B 141 B 143 B 154 B 169 B 165 B 168 B 181 B 182 B 181 B 169 B 151 B 146 B 140 B

Total Investments

- - - - - - 27.6 B 22.5 B 93.2 B 92.2 B 82 B 69.4 B 71.9 B 69.5 B 57 B 16.9 B 27.3 B 48.4 B 44.7 B 62.2 B 75.5 B - 49.1 B 48 B 41.9 B 38.8 B 35.7 B

Total Debt

- - - - 1.39 B - 1.57 B 1.77 B 2.79 B 2.04 B 2.1 B 2.34 B 2.5 B 850 M - - - 3.68 B 3.66 B 1.05 B 1.03 B 1.81 B 4.87 B 6.01 B 8.71 B 10.5 B 13.9 B

Net Debt

-390 M -360 M -430 M -390 M -330 M -560 M 1.27 B 1.39 B 759 M 953 M 817 M -478 M 1.44 B 73.9 M -778 M -1.32 B -3.65 B -7.74 B -374 M -7.34 B -8.91 B -18.5 B -4.85 B -7.05 B -334 M 1.62 B 749 M

All numbers in RUB currency

Balance Sheet is a fundamental financial report of Росгосстрах, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

Balance sheet of other industry stocks – Insurance

Issuer Price % 24h Market Cap Country
АСКО-Страхование АСКО-Страхование
ACKO
- - - russiaRussia
Ренессанс Страхование Ренессанс Страхование
RENI
- - - russiaRussia
Aegon N.V. Aegon N.V.
AEG
$ 8.39 0.9 % $ 13 B niderlandNiderland
Assured Guaranty Ltd. Assured Guaranty Ltd.
AGO
$ 69.27 -1.0 % $ 3.33 B bermudaBermuda
Employers Holdings Employers Holdings
EIG
$ 51.7 -0.08 % $ 1.21 B usaUSA
American International Group American International Group
AIG
$ 81.75 -0.16 % $ 46.2 B usaUSA
Assurant Assurant
AIZ
$ 284.3 0.23 % $ 14.3 B usaUSA
James River Group Holdings, Ltd. James River Group Holdings, Ltd.
JRVR
$ 3.87 -0.78 % $ 178 M bermudaBermuda
AMERISAFE AMERISAFE
AMSF
$ 25.52 0.67 % $ 484 M usaUSA
Maiden Holdings, Ltd. Maiden Holdings, Ltd.
MHLD
- 15.0 % $ 117 M bermudaBermuda
Watford Holdings Ltd. Watford Holdings Ltd.
WTRE
- 1.43 % - bermudaBermuda
MBIA MBIA
MBI
$ 4.41 0.23 % $ 217 M usaUSA
ICC Holdings ICC Holdings
ICCH
- 0.04 % $ 69.2 M usaUSA
Arch Capital Group Ltd. Arch Capital Group Ltd.
ACGL
$ 100.28 -1.0 % $ 36.9 B bermudaBermuda
MGIC Investment Corporation MGIC Investment Corporation
MTG
$ 27.31 -3.04 % $ 6.36 B usaUSA
Enstar Group Limited Enstar Group Limited
ESGR
- - $ 4.95 B bermudaBermuda
Fidelity National Financial Fidelity National Financial
FNF
$ 40.62 0.3 % $ 11 B usaUSA
Old Republic International Corporation Old Republic International Corporation
ORI
$ 40.13 1.21 % $ 9.82 B usaUSA
Oxbridge Re Holdings Limited Oxbridge Re Holdings Limited
OXBR
$ 0.96 -6.02 % $ 7.09 M cayman-islandsCayman-islands
Principal Financial Group Principal Financial Group
PFG
$ 108.44 0.46 % $ 24.2 B usaUSA
Reinsurance Group of America, Incorporated Reinsurance Group of America, Incorporated
RGA
$ 269.18 0.65 % $ 17.7 B usaUSA
First American Financial Corporation First American Financial Corporation
FAF
$ 66.46 0.3 % $ 6.87 B usaUSA
Equitable Holdings Equitable Holdings
EQH
$ 54.37 0.65 % $ 16.2 B usaUSA
Tiptree Tiptree
TIPT
$ 16.44 -0.36 % $ 617 M usaUSA
Trupanion Trupanion
TRUP
$ 28.5 -0.9 % $ 1.22 B usaUSA
Greenlight Capital Re, Ltd. Greenlight Capital Re, Ltd.
GLRE
$ 14.94 -0.86 % $ 505 B cayman-islandsCayman-islands
Goosehead Insurance, Inc Goosehead Insurance, Inc
GSHD
$ 45.32 -3.59 % $ 1.13 B usaUSA
The Hartford Financial Services Group The Hartford Financial Services Group
HIG
$ 135.82 -0.42 % $ 38.4 B usaUSA
Radian Group Radian Group
RDN
$ 33.98 -2.07 % $ 4.66 B usaUSA
Root Root
ROOT
$ 52.09 -0.84 % $ 802 M usaUSA
Sun Life Financial Sun Life Financial
SLF
$ 80.71 1.32 % $ 45.4 B canadaCanada
RenaissanceRe Holdings Ltd. RenaissanceRe Holdings Ltd.
RNR
$ 355.07 0.23 % $ 16.4 B bermudaBermuda
Investors Title Company Investors Title Company
ITIC
$ 290.33 1.29 % $ 548 M usaUSA
International General Insurance Holdings Ltd. International General Insurance Holdings Ltd.
IGIC
$ 24.89 0.32 % $ 1.08 B jordanJordan
Athene Holding Ltd. Athene Holding Ltd.
ATH
- -2.43 % $ 15.5 B bermudaBermuda
American National Group, Inc. American National Group, Inc.
ANAT
- - $ 27.9 B usaUSA
ProSight Global, Inc. ProSight Global, Inc.
PROS
- - $ 563 M usaUSA
Reinsurance Group of America, Incorporated Reinsurance Group of America, Incorporated
RZA
- - $ 9.09 B usaUSA
Ambac Financial Group Ambac Financial Group
AMBC
- -0.55 % $ 424 M usaUSA
Everest Re Group, Ltd. Everest Re Group, Ltd.
RE
- 2.93 % $ 15.1 B bermudaBermuda
Midwest Holding Midwest Holding
MDWT
- - $ 101 M usaUSA