TOP-10 companies in the field of consumer lending by the return on costs ratio

ranking 09/08/2021

Information agency Credinform presents a ranking of the Russian companies in the field of consumer lending. The largest companies engaged in providing consumer loans (TOP 10 and TOP 100) in terms of annual revenue for the last reporting periods available in the state statistics bodies and the Federal Tax Service (2018-2020) were selected for the ranking. They were ranked according to return on costs ratio (Table 1). Selection of companies and analysis were carried out on the basis of data from the Information and Analytical system Globas.

Return on costs (%) is calculated as a ratio of profit before tax to the total cost of production and sales of products and reflects amount of income per RUB spent.

It is necessary to pay attention to the entire set of indicators and financial ratios to get the most complete and objective picture of enterprise's financial condition.

Table 1. Net profit, revenue, return on costs ratio, Globas solvency index of consumer lending companies (TOP 10)
Name, INN, region Revenue, million RUB Net profit, (loss), million RUB Return on costs, % Globas Solvency Index
2019 2020 2019 2020 2019 2020
1 2 3 4 5 6 7 8
MAENA AGRICULTURAL CONSUMER CREDIT COOPERATIVE
INN 1426006109 Sakha Republic (Yakutia)
up11,8 up13,4 up1,8 up5,1 up47,84 up125,51 228 Strong
LLC DZP-DEVELOPMENT
INN 7838513677 Saint Petersburg
up265,2 down148,8 up21,0 up53,0 up19,85 up43,62 297 Medium
LLC MICROCREDIT COMPANY VDM-FINANCE
INN 3123328823 Belgorod Region
up368,6 down337,7 up31,5 down25,7 up37,51 down25,05 307 Adequate
CREDIT CONSUMER COOPERATIVE CREDIT-SERVICE
INN 2207008793 Altai Territory
up11,8 up14,8 up1,7 down1,5 up27,88 down21,68 271 Medium
LLC MICROCREDIT COMPANY BYUROFINPOMOSHI
INN 3123328830 Belgorod Region
up395,6 down355,5 down27,7 down24,5 down25,12 down20,38 306 Adequate
LLC MICROCREDIT COMPANY BOLSHEVOLZHSKAYA
INN 5010051290 Moscow Region
down56,5 down56,5 up-0,7 up3,0 up-1,25 up6,47 303 Adequate
LLC MICROCREDIT COMPANY SERVICE CENTER FOR INDIVIDUALS DALNEVOSTOCHNII ZAIM
INN 2801164075 Amur Region
up19,0 up32,7 up-1,9 up-0,4 up-28,69 up-1,85 326 Adequate
LLC YASEN
INN 1651078288 Tatarstan Republic
up15,8 down14,4 up0,2 down-0,6 up19,84 down-10,88 336 Adequate
LLC MICROCREDIT COMPANY DOBRIE DENGI
INN 5612073237 Orenburg Region
down19,2 down16,7 up-0,4 down-4,2 up-2,77 down-30,91 340 Adequate
CREDIT CONSUMER COOPERATIVE SEMYA
INN 3436008444 Stavropol Territory
in process of being wound up since 14.09.2020
up41,6 down14,2 down0,0 up0,1 down-65,69 down-85,56 600 Insufficient
TOP 10 average value up120,5 down100,5 up8,1 up10,8 up7,97 up11,35  
TOP 100 average value up13,7 down11,4 down-9,2 up-2,1 down-46,60 up126,97  
Industry average value up10,0 up11,3 down3,7 down-4,5 down50,03 down-42,50  

вверх improvement of the indicator to the previous period, вниз deterioration of the indicator to the previous period

The average indicators of the return on costs ratio of the TOP-10 and the TOP-100 companies in 2020 are significantly higher than the industry average. Four companies from the TOP 10 had negative indicators in both 2020 and 2019. The decline in indicators in 2020 was observed in six of the TOP-10 companies, while in 2019 there were only two such companies.

At the same time, in 2020, seven companies reduced revenue and five companies reduced net profit.

The drop in average revenue in the TOP 10 and the TOP 100 was almost 17% and the industry average increased by 13%.

Average profit in the TOP 10 increased by 33%, in the TOP 100 it decreased by 4 times and the average decline in the industry amounted to 2 times bigger value.

In general, over the past 5 years, average industry indicators of the return on costs ratio have been negative for two periods. Growth was observed only for o ne period. The indicator reached the best results in 2017 and the worst result were shown in 2020. (Picture 1).

Picture 1. Changes in average industry values of the return on costs ratio of consumer lending companies in 2016-2020. Picture 1. Changes in average industry values of the return on costs ratio of consumer lending companies in 2016-2020.