1. Russian Federation Stocks

  2. •

    Finance

  3. •

    Regional banks
AKB "AVANGARD"

AKB "AVANGARD"

MMOEX:AVAN
540.00
RUB
+4.00
(+0.75%)
21.09P/E
AKB "AVANGARD"
MOEX:AVAN
(Russian Exchange)

Recent

price

540.00

P/E

ratio

21.09

div

yld

- -

ROIC.AI

2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
TTM
RUB
41.42
61.19
63.79
57.71
74.94
89.15
106.21
108.74
150.97
182.33
186.2
195.6
243.95
- -
159
Revenue per Share
12.15
13.95
6.31
7.48
9.5
17.8
13
18
33.5
107.73
80.85
63.67
88.51
- -
49.07
Basic EPS, GAAP
19.88
11.03
-44.6
31.46
16.31
39.92
-69.21
66.03
34
156.69
-106.43
2.36
-68.8
- -
106.81
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
12.4
55.76
- -
49.56
Dividend per Share
100.92
130.8
135.84
143.32
154.68
187.05
208.18
229.85
267.18
271.52
250.49
307.72
351.64
309.74
309.74
Book Value per Share
100.92
130.8
135.84
143.32
154.68
187.05
208.18
229.85
267.18
271.52
250.49
307.72
351.64
309.74
309.74
Tangible Book Value per Share
81
68
68
68
75
81
81
80
81
81
81
81
81
- -
81
Basic Weighted Avg Shares
3,352
4,173
4,350
3,936
5,586
7,181
8,600
8,754
12,181
14,714
15,026
15,785
19,687
12,863
12,831
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
84
129
166
137
177
218
238
302
305
257
225
243
367
310
230
Depreciation Expense
983
951
430
510
708
1,434
1,053
1,449
2,703
8,694
6,525
5,138
7,143
3,118
3,960
Net Income, GAAP
25.79
10.35
22.28
25.1
14.82
14.26
19.98
12.22
17.45
16.68
15.14
14.96
16.02
10.71
8.85
Effective Tax Rate (%)
29.33
22.79
9.88
12.97
12.68
19.97
12.24
16.55
22.19
59.08
43.42
32.55
36.28
24.24
30.86
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
23,775
969
6,355
11,476
11,715
14,013
14,551
17,027
19,272
6,009
2,408
1,686
4,346
4,892
4,892
LT Debt
6,883
8,921
9,265
9,775
12,483
15,095
16,800
18,549
21,561
21,912
20,214
24,833
28,378
24,996
24,996
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
12.04
4.73
5.36
6.36
10.4
6.6
8.2
13.48
40
30.98
22.81
26.85
11.68
14.84
Return on Common Equity (%)

Capital Structure

RUB

•

in mil. unless spec.
Jun'20
Sep'20
Dec'20
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
81
81
81
Market Capitalization
56,490
66,981
83,525

Working Capital

RUB

•

in mil. unless spec.
Jun'20
Sep'20
Dec'20
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17,619
23,495
26,554
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

RUB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.57%
3.82%
-11.92%
Free Cash Flow
-357.15%
-635.01%
-255.22%
Net Income, GAAP
39.69%
31.62%
-56.35%
Sales/Revenue/Turnover
14.92%
3.6%
-34.67%
Total Cash Common Dividend
- -
- -
44.44%

Quarterly Revenue

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2018
3,270
3,534
4,197
4,784
15,785
2019
4,631
4,312
4,774
5,538
19,687
2020
2,368
4,116
2,759
3,589
12,863

Quarterly Earnings Per Share

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2018
13.11
16.99
17.95
- -
63.67
2019
15.23
8.29
23.96
- -
88.51
2020
11.94
23.91
3.3
- -
- -

Quarterly Dividends Per Share

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2018
6.2
- -
- -
- -
12.4
2019
- -
- -
8.67
- -
55.76
2020
- -
- -
24.78
- -
- -
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Business
AVANGARD Joint Stock BANK (AVAN.ME) operates as a commercial bank in Russia, providing a range of banking services including corporate lending, retail deposits, payment processing, trade finance, cash management, and investment products to businesses, individuals, and financial institutions. The bank offers specific products such as current and savings accounts, term deposits, consumer and mortgage loans, overdrafts, guarantees, letters of credit, debit and credit cards under Visa and Mastercard brands, foreign exchange services, and online banking platforms. Headquartered in Moscow and founded in 1995, AVANGARD maintains operations primarily across Russia with branches in major cities including St. Petersburg, Yekaterinburg, and Novosibirsk. [ from previous][ from previous] In recent developments, the bank has focused on digital transformation, launching enhanced mobile banking apps and API integrations for corporate clients in 2024 to support seamless B2B payments and fintech partnerships. AVANGARD entered a strategic alliance with Russia's Central Bank in late 2024 to bolster cybersecurity measures amid rising digital threats, while also completing a RUB 2.5 billion capital raise through a private placement in early 2025 to fund expansion into SME lending segments. No major acquisitions or name changes have occurred in the last two years, though the bank restructured its retail division to prioritize non-performing loan recovery, improving its capital adequacy ratio to over 12% as reported in Q3 2025 filings.