Income Statement SmartTechGroup

Stocks

CARM

RU000A105NV2

Consumer Lending

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05-22	Public joint stock company SmartTechGroup Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
04-03	Public joint stock company SmartTechGroup Reports Earnings Results for the Full Year Ended December 31, 2025	CI

21.4XTFIqjJudYIdgyB6TMqrPCKMlZ-Veppf4tm-_yvS-U.kzuIEvqT_aBOB13VrUdO67zmWjEcBJsnO_4XzpfGcrSFHodFz5rTgW4xaw

Published financial data: SMARTTECHGROUP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2022	2023	2024	2025
Interest and Dividend Income, Total	2.48B	2.96B	3.12B	3.32B
Interest Expense, Total	507M	443M	509M	760M
Net Interest Income	1.97B	2.52B	2.61B	2.56B
Revenues Before Provison For Loan Losses	1.97B	2.52B	2.61B	2.56B
Provision For Loan Losses	685M	653M	749M	845M
Total Revenues	1.28B	1.86B	1.86B	1.72B
Cost of Services Provided, Total	881M	1.22B	1.41B	1.58B
Other Operating Expenses	146M	169M	142M	226M
Total Operating Expenses	1.03B	1.39B	1.55B	1.8B
Operating Income	257M	472M	311M	-84.87M
Other Non Operating Income (Expenses)	205M	211M	218M	251M
EBT, Excl. Unusual Items	462M	683M	529M	166M
EBT, Incl. Unusual Items	462M	683M	529M	166M
Income Tax Expense	72.5M	129M	294M	164M
Earnings From Continuing Operations	390M	554M	235M	2.15M
Net Income to Company	390M	554M	235M	2.15M
Net Income - (IS)	390M	554M	235M	2.15M
Net Income to Common Incl Extra Items	390M	554M	235M	2.15M
Net Income to Common Excl. Extra Items	390M	554M	235M	2.15M
Per Share Items
Net EPS - Basic	0.22	0.28	0.11	0
Basic EPS - Continuing Operations	0.22	0.28	0.11	0
Basic Weighted Average Shares Outstanding	1.77B	1.98B	2.13B	2.92B
Net EPS - Diluted	0.22	0.28	0.11	0
Diluted EPS - Continuing Operations	0.22	0.28	0.11	0
Diluted Weighted Average Shares Outstanding	1.77B	1.98B	2.13B	2.92B
Normalized Basic EPS	0.16	0.22	0.15	0.04
Normalized Diluted EPS	0.16	0.22	0.15	0.04
Payout Ratio	-	-	-	10.77K
Supplemental Items
Effective Tax Rate - (Ratio)	15.68	18.85	55.6	98.71
Total Current Taxes	11.61M	40.52M	13.86M	26.87M
Total Deferred Taxes	60.9M	88.19M	280M	137M
Normalized Net Income	289M	427M	330M	104M

Fiscal Period: December	2022	2023	2024	2025
Assets
Cash And Equivalents	204M	342M	350M	563M
Long-Term Investments - (FS Template)	4.61B	5.28B	5.87B	7.21B
Other Receivables	24.31M	29.78M	33.45M	39.82M
Gross Property Plant And Equipment	40.15M	55.84M	69.53M	76.35M
Accumulated Depreciation	-28.09M	-34.46M	-31.05M	-50.16M
Net Property Plant And Equipment	12.06M	21.38M	38.48M	26.19M
Other Intangibles, Total	276M	712M	1.86B	2.71B
Other Current Assets, Total	17.09M	20.18M	187M	185M
Other Long-Term Assets, Total	107M	73.33M	-4.18M	38.97M
Total Assets	5.26B	6.48B	8.33B	10.77B
Liabilities
Accounts Payable, Total	4.29M	164K	29.25M	29.47M
Accrued Expenses, Total	21.94M	31.43M	39.9M	67.33M
Current Portion of Leases	-	-	14.13M	12.43M
Long-Term Debt	2.79B	2.23B	3.56B	4.71B
Long-Term Leases	3.07M	14.48M	8.21M	-
Current Income Taxes Payable	2.76M	-	-	6.53M
Deferred Tax Liability Non-Current	285M	373M	653M	791M
Other Non Current Liabilities	1.7M	42.35M	3.34M	4.66M
Total Liabilities	3.11B	2.69B	4.3B	5.62B
Common Stock, Total	1.8B	2.2B	2.2B	2.92B
Additional Paid In Capital	-	695M	695M	1.33B
Retained Earnings	343M	897M	1.13B	901M
Total Common Equity	2.14B	3.8B	4.03B	5.15B
Total Equity	2.14B	3.8B	4.03B	5.15B
Total Liabilities And Equity	5.26B	6.48B	8.33B	10.77B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.61B	2.2B	2.2B	2.92B
ECS Total Common Shares Outstanding	1.61B	2.2B	2.2B	2.92B
Book Value / Share	1.33	1.72	1.83	1.76
Tangible Book Value	1.87B	3.08B	2.17B	2.44B
Tangible Book Value Per Share	1.16	1.4	0.99	0.84
Total Debt	2.8B	2.24B	3.58B	4.73B
Net Debt	2.59B	1.9B	3.23B	4.16B
Full Time Employees	-	314	475	616

Fiscal Period: December	2022	2023	2024	2025
Net Income	390M	554M	235M	2.15M
Depreciation, Depletion & Amortization	13.66M	17.65M	18.16M	20.01M
Amortization of Goodwill and Intangible Assets - (CF)	36.08M	62.32M	16.6M	23.01M
Total Depreciation, Depletion & Amortization	49.74M	79.96M	34.76M	43.02M
Amortization of Deferred Charges, Total	-	-	99.27M	181M
Change in Other Net Operating Assets (Collected)	-417M	-532M	-573M	-1.42B
Other Operating Activities	60.25M	73.78M	212M	148M
Cash from Operations	83.13M	176M	8.42M	-1.04B
Capital Expenditure	-1.47M	-3.91M	-1.24B	-981M
Purchase / Sale of Intangible Assets	-37.2M	-498M	-	-
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-5.6M	5.6M
Other Investing Activities, Total	2.77M	2.48M	-	-
Cash from Investing	-35.9M	-499M	-1.25B	-975M
Long-Term Debt Issued, Total	1.53B	1.65B	2.65B	5.49B
Total Debt Issued	1.53B	1.65B	2.65B	5.49B
Long-Term Debt Repaid, Total	-1.47B	-2.28B	-1.4B	-4.38B
Total Debt Repaid	-1.47B	-2.28B	-1.4B	-4.38B
Issuance of Common Stock	5M	1.1B	-	1.35B
Repurchase of Common Stock	-58M	-	-	-
Common Dividends Paid	-	-	-	-232M
Common & Preferred Stock Dividends Paid	-	-	-	-232M
Cash from Financing	7.79M	461M	1.25B	2.23B
Net Change in Cash	55.02M	138M	7.72M	213M
Supplemental Items
Cash Interest Paid	466M	397M	502M	740M
Cash Income Tax Paid (Refund)	8.92M	35.05M	29.41M	2.11M
Net Debt Issued / Repaid	60.79M	-635M	1.25B	1.11B

Fiscal Period: December	2022	2023	2024	2025
Profitability
Return on Assets	-	9.44	3.17	0.02
Return On Equity %	-	18.66	6	0.05
Return on Common Equity	-	18.66	6	0.05
Margin Analysis
Gross Profit Margin %	100	100	100	100
SG&A Margin	68.61	65.64	75.71	91.77
Income From Continuing Operations Margin %	30.36	29.72	12.61	0.12
Net Income Margin %	30.36	29.72	12.61	0.12
Net Avail. For Common Margin %	30.36	29.72	12.61	0.12
Normalized Net Income Margin	22.51	22.89	17.75	6.04
Asset Turnover
Asset Turnover	-	0.32	0.25	0.18
Short Term Liquidity
Current Ratio	8.46	12.4	6.85	6.81
Quick Ratio	7.88	11.76	4.6	5.21
Operating Cash Flow to Current Liabilities	2.87	5.58	0.1	-8.99
Long Term Solvency
Total Debt/Equity	130.49	59.04	88.79	91.79
Total Debt / Total Capital	56.61	37.12	47.03	47.86
LT Debt/Equity	130.49	59.04	88.43	91.55
Long-Term Debt / Total Capital	56.61	37.12	46.84	47.73
Total Liabilities / Total Assets	59.22	41.46	51.64	52.21
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-	45.23	-0.15	-7.63
Gross Profit, 1 Yr. Growth %	-	45.23	-0.15	-7.63
Earnings From Cont. Operations, 1 Yr. Growth %	-	42.16	-57.65	-99.08
Net Income, 1 Yr. Growth %	-	42.16	-57.65	-99.08
Normalized Net Income, 1 Yr. Growth %	-	47.7	-22.58	-68.56
Diluted EPS Before Extra, 1 Yr. Growth %	-	27.27	-60.71	-99.09
Common Equity, 1 Yr. Growth %	-	77.09	6.18	27.76
Total Assets, 1 Yr. Growth %	-	23.37	28.54	29.27
Tangible Book Value, 1 Yr. Growth %	-	65.18	-29.59	12.46
Cash From Operations, 1 Yr. Growth %	-	111.99	-95.29	-12.46K
Capital Expenditures, 1 Yr. Growth %	-	166.71	31.72K	-21.2
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-	-	20.42	-3.96
Gross Profit, 2 Yr. CAGR %	-	-	20.42	-3.96
Earnings From Cont. Operations, 2 Yr. CAGR %	-	-	-22.4	-93.77
Net Income, 2 Yr. CAGR %	-	-	-22.4	-93.77
Normalized Net Income, 2 Yr. CAGR %	-	-	6.93	-50.67
Diluted EPS Before Extra, 2 Yr. CAGR %	-	-	-29.29	-94.87
Common Equity, 2 Yr. CAGR %	-	-	37.13	16.47
Total Assets, 2 Yr. CAGR %	-	-	25.93	28.91
Tangible Book Value, 2 Yr. CAGR %	-	-	7.85	-11.01
Cash From Operations, 2 Yr. CAGR %	-	-	-68.18	141.33
Capital Expenditures, 2 Yr. CAGR %	-	-	2.81K	1.48K
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-	-	-	10.23
Gross Profit, 3 Yr. CAGR %	-	-	-	10.23
Earnings From Cont. Operations, 3 Yr. CAGR %	-	-	-	-82.33
Net Income, 3 Yr. CAGR %	-	-	-	-82.33
Normalized Net Income, 3 Yr. CAGR %	-	-	-	-28.89
Diluted EPS Before Extra, 3 Yr. CAGR %	-	-	-	-85.04
Common Equity, 3 Yr. CAGR %	-	-	-	33.93
Total Assets, 3 Yr. CAGR %	-	-	-	27.03
Tangible Book Value, 3 Yr. CAGR %	-	-	-	9.36
Cash From Operations, 3 Yr. CAGR %	-	-	-	132.2
Capital Expenditures, 3 Yr. CAGR %	-	-	-	774.54