United Credit Systems Ratios and Metrics

Market cap in millions RUB. Fiscal year is January - December.

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	2015 - 2012
Period Ending	Jul '22 Jul 7, 2022	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018	Dec '17 Dec 31, 2017	Dec '16 Dec 31, 2016	2015 - 2012
Market Capitalization	16,722	33,444	35,104	16,129	25,498	25,854	Upgrade
Market Cap Growth	-25.00%	-4.73%	117.65%	-36.74%	-1.38%	2.61%	Upgrade
Last Close Price	705.00	1410.00	1480.00	680.00	1045.58	1043.33	Upgrade
PE Ratio	18.53	51.85	3.87	-14.12	-2.55	-255.13	Upgrade
PS Ratio	14.23	41.34	3.87	2.38	-10.52	2.27	Upgrade
PB Ratio	0.89	1.80	1.95	1.89	0.62	0.54	Upgrade
P/FCF Ratio	-2.25	-3.21	-25.35	-2.02	-6.92	-0.80	Upgrade
P/OCF Ratio	-2.25	-3.21	-25.35	-3.67	-17.93	-0.81	Upgrade
Debt / Equity Ratio	-	-	-	-	2.85	2.22	Upgrade
Debt / FCF Ratio	-	-	-	-	-31.79	-3.30	Upgrade
Return on Equity (ROE)	4.91%	3.52%	68.36%	3.07%	-31.46%	-0.05%	Upgrade
Return on Assets (ROA)	4.74%	3.44%	67.21%	0.34%	-3.18%	-0.01%	Upgrade
Earnings Yield	5.40%	1.93%	25.85%	-7.08%	-38.18%	-0.38%	Upgrade
FCF Yield	-44.38%	-31.12%	-3.95%	-49.47%	-14.44%	-125.56%	Upgrade
Dividend Yield	0.00%	-	-	-	2.04%	-	Upgrade
Buyback Yield / Dilution	-	-	-	-	-0.76%	Upgrade
Total Shareholder Return	-	-	-	2.04%	-0.76%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.