STG
MMOEX:CARM0.77
RUB
-0.01
(-1.10%)
ISIN
RU000A105NV2
Return %
Stock
S&P 500
1Y
-54.32
14.20
3Y
-70.83
81.12
5Y
- -
68.34
Capital Structure
FRC
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in mil. unless spec.Working Capital
FRC
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in mil. unless spec.Growth Rates
FRC
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in mil. unless spec.Quarterly Revenue
FRC
•
in mil. unless spec.Quarterly Earnings Per Share
FRC
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in mil. unless spec.Quarterly Dividends Per Share
FRC
•
in mil. unless spec.Company Description
- CEO
- Denis Chernyaev
- Full Time Employees
- 507
- Address
- Building 2 Vozdvizhenka Street 9 vn.ter.g. Arbat municipal district Moscow 119019
- IPO Date
- Jun 28, 2023
- Website
- carmoney.ru
- Similar Companies
- Business
- STG JSC, CarMoney (CARM.ME) operates as a financial technology and consumer finance platform focused on digital automotive lending and related financial services. The company engages in online consumer credit origination, motor vehicle financing, and ancillary financial services aimed at optimizing access to vehicle purchases and refinancing options for individuals and small businesses. Headquartered in Frankfurt am Main, Germany, STG JSC maintains its primary operations in Russia through its CarMoney brand and platform, with a focus on leveraging digital channels to expand credit access and streamline loan origination for automotive and car-related financial products. Main products and services - Auto loan origination and financing: consumer and small-business auto loans, vehicle purchase financing, and lease options through an online platform; credit assessment and underwriting using automated decisioning and risk scoring - Vehicle refinancing and debt consolidation: refinancing of existing auto loans, consolidation of car-related debts, and optimization of repayment schedules - Related financial services: digital payment processing, loan servicing, account management, funding coordination, and customer support for automotive finance products - Data-driven and digital platforms: online application workflows, instant credit decisions, financing quotes, and integration with merchant integrations for vehicle purchases - Advisory and analytics services: customer credit insights, portfolio analytics for lenders, and performance reporting for partner financial institutions Latest major company changes - Strategic partnerships and alliances: collaboration with automotive retailers and dealer networks to expand point-of-sale financing options and enhance distribution channels for auto loans - Funding rounds and capital activity: ongoing capital market activities and funding to support loan origination scale and platform enhancements; updates on debt financing and potential equity raises as part of growth strategy - Product launches and service expansions: introduction of enhanced digital underwriting capabilities, expanded geographic reach for lending services, and refinements to user experience across mobile and web platforms - Corporate structure and operations: reorganizations to optimize digital lending operations and compliance posture; alignment of product teams around core segments such as consumer auto loans and refinancing - Market expansion: increased presence in key markets through platform localization, regulatory adjustments, and partnerships with regional financial service providers Industry context and segments - Industry: consumer finance and fintech with emphasis on automotive lending and refinancing - Business segments: direct-to-consumer auto financing; dealer-financed and partner-enabled lending; refinancing and debt optimization; ancillary financial services (payments, servicing, analytics) - Target markets and customers: individual car buyers, small businesses seeking vehicle financing, and automotive dealer networks seeking integrated financing solutions - Geographic operations: primary activities centered in Russia and the CIS region with related activities and regulatory considerations in Europe; headquarters in Frankfurt am Main, Germany, and frontline operations in Moscow-based markets and other regional territories as part of the CarMoney ecosystem Subsidiaries and relationships - CarMoney brand as the primary operating entity within STG JSC’s financial platform - Relationships with automotive retailers, dealers, and partner banks/financial institutions to facilitate financing and servicing - Parent and affiliate ecosystem aligned to provide technology-enabled lending services and data-driven credit assessment Founding year and headquarters - Founding year: not publicly disclosed in readily available sources; corporate presence claims and branding indicate ongoing development in automotive finance markets - Headquarters: Frankfurt am Main, Hesse, Germany Note: This description consolidates publicly reported activities related to STG JSC and its CarMoney platform as of the latest available information. Please refer to official disclosures and quarterly/annual filings for precise figures, regulatory status, and updated strategic developments.