BSP

BSP

253.87
RUB
-3.16
(-1.23%)
3.94P/E
Nov 19Next Earn
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
49.76
54.65
49.92
63.57
71.55
70.83
69.58
68.71
82.68
- -
168.77
216.94
224.87
220.62
Basic EPS, GAAP
1.67
15.62
10.61
8.21
9.76
15.95
17.97
16.29
22.76
- -
105.7
113.88
85.05
67.3
Free Cash Flow per Basic Share
12.84
-17.94
123.98
71.31
-29.94
-13.55
-0.06
49.35
58.74
- -
- -
- -
- -
- -
Dividend per Share
2.64
2.31
0.11
2.02
1.05
0.99
1.63
3.73
3.33
- -
- -
- -
- -
- -
Book Value per Share
132.1
106.87
121.78
127.28
136.44
140.77
152.94
166.9
186.5
- -
376.49
451.91
491.87
496.51
Tangible Book Value per Share
132.08
106.85
121.75
127.23
135.83
140.01
152.31
166.33
185.64
- -
376.49
446.63
485.14
496.51
Basic Weighted Avg Shares
310
375
452
441
438
466
497
485
476
- -
448
446
445
441
Sales/Revenue/Turnover
15,413
20,504
22,549
28,017
31,349
32,984
34,586
33,343
39,318
- -
75,535
96,712
100,041
97,292
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
651
645
688
739
937
1,020
1,066
1,451
1,512
- -
2,365
2,857
3,257
- -
Net Income, GAAP
1,304
6,695
4,796
3,619
4,278
7,429
8,937
7,906
10,827
- -
47,315
50,779
37,847
29,686
Effective Tax Rate (%)
26.89
21.08
20.71
23.77
16.66
19.93
19.27
18.65
19.86
- -
22.71
19.03
26.84
27.34
Profit Margin (%)
8.46
32.65
21.27
12.92
13.65
22.52
25.84
23.71
27.54
- -
62.64
52.51
37.83
30.51
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
33,539
36,306
45,941
39,283
26,269
16,295
23,249
13,042
12,360
6,138
4,651
6,427
6,595
4,557
Total Equity
40,318
47,676
51,294
56,783
60,869
70,910
75,654
79,370
88,693
144,780
173,892
201,445
217,430
218,394
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
1.29
13.32
9.69
6.69
7.27
11.32
12.33
10.27
12.88
- -
29.69
27.07
18.08
13.78

Capital Structure

RUB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
177
177
177
Shares Outstanding
442
439
439
Market Capitalization
136,287
146,115
116,446

Working Capital

RUB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
82,838
134,409
43,998
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
16.49%
23.78%
7.94%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
-25.47%
Sales/Revenue/Turnover
- -
- -
3.44%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
22,874
22,867
24,092
26,885
96,712
2025
26,740
24,820
23,718
25,515
100,041
2026
23,771
24,288
- -
- -
- -

Quarterly Earnings Per Share

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
29.2
25.31
29.75
- -
113.88
2025
34.86
20.48
19.68
- -
85.05
2026
24.77
12.75
- -
- -
- -

Quarterly Dividends Per Share

RUB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Alexander Vasilievich Savelyev
Full Time Employees
4,091
Sector
Finance
Industry
Regional banks
Address
64A Malookhtinsky Prospect St. Petersburg SP Russian Federation 195112
IPO Date
Dec 6, 2007
Website
bspb.ru
Business
Bank Saint-Petersburg Public Joint-Stock Company (BSPB.ME) operates as a universal regional bank primarily focused on St. Petersburg and the Leningrad Region in Northwest Russia, offering a comprehensive range of banking products and services to approximately 2 million individual customers and 55,000 corporate clients, including small, medium, and large enterprises; its core offerings encompass corporate banking services such as payment and settlement solutions, corporate lending, cash management, business cards, acquiring, payroll projects, documentary operations, and international trade finance; retail banking products including deposits, payments and transfers, mortgage and consumer loans, bank cards, and self-employed programs; private banking for high-net-worth individuals with tailored financial and non-financial services; and digital banking via internet and mobile platforms like i.bspb.ru, supporting online transactions and e-banking for all customer segments. Founded in 1990 and headquartered at 64A Malookhtinsky Avenue in St. Petersburg, Russia, the bank maintains a network of 65 offices and 789 ATMs concentrated in St. Petersburg (accounting for 71% of loans and 91% of deposits), with additional operations in Moscow, Kaliningrad, and limited presence in other regions like Nizhny Novgorod; it serves diverse industries through diversified lending and emphasizes small and medium enterprises (SMEs) with specialized packages such as Delovoy.Start, Delovoy.Light, and Delovoy.Sam for self-employed individuals, alongside innovative SME overdrafts like Overdraft-50 up to RUB 50 million; the bank positions itself as a high-efficiency leader in customer service quality, leveraging lean production, digital transformation, and "office of the future" concepts, while its subsidiary BSPB Capital LLC provides asset management services. In recent developments, Bank Saint-Petersburg approved a significant share buyback program in October 2025 for up to RUB 5 billion worth of ordinary shares from October 6, 2025, to May 20, 2026, aimed at maintaining capitalization, following a prior authorization in July 2024 for up to 20 million shares until January 2025; the bank reported strong financial performance with RUB 15.5 billion net profit under IFRS for 1Q 2025, a total loan portfolio of RUB 760.4 billion, and robust capital adequacy ratios, alongside dividend payouts exceeding 50% of 2024 net profit (RUB 50.8 billion); it continues to expand SME offerings, including branch-free online services launched in Krasnodar Krai and updated settlement packages, while navigating sector challenges such as EU sanctions designating it for transaction bans in 2025.