Russia Commercial Roads Bank PJSC (MIC:RDRB) Financial Strength: 0 (As of Sep. 2021)

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Director of Data and Quant Analytics at GuruFocus
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MIC:RDRB Russia Commercial Roads Bank PJSC MIC:RDRB
17 GF Score
Price ₽101.40
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What is Russia Commercial Roads Bank PJSC Financial Strength?

Russia Commercial Roads Bank PJSC has the Financial Strength Rank of 0.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Russia Commercial Roads Bank PJSC's interest coverage with the available data. Russia Commercial Roads Bank PJSC's debt to revenue ratio for the quarter that ended in Sep. 2021 was 1.16. Altman Z-Score does not apply to banks and insurance companies.

Russia Commercial Roads Bank PJSC  (MIC:RDRB) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Russia Commercial Roads Bank PJSC has the Financial Strength Rank of 0.

Russia Commercial Roads Bank PJSC Financial Strength Related Terms

MIC:RDRB
17GF Score
Russia Commercial Roads Bank PJSC MIC:RDRB
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Russia Commercial Roads Bank PJSC Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Russia Commercial Roads Bank PJSC's Interest Expense for the months ended in Sep. 2021 was ₽-227 Mil. Its Operating Income for the months ended in Sep. 2021 was ₽0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2021 was ₽2,144 Mil.

Russia Commercial Roads Bank PJSC's Interest Coverage for the quarter that ended in Sep. 2021 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Russia Commercial Roads Bank PJSC's Debt to Revenue Ratio for the quarter that ended in Sep. 2021 is

Debt to Revenue Ratio=Total Debt (Q: Sep. 2021 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 2143.732) / 1840.224
=1.16

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Russia Commercial Roads Bank PJSC Business Description

Address 86, Dubininskaya street, Moscow, RUS, 115093
Russia Commercial Roads Bank PJSC, formerly Russian public joint-stock commercial roads Bank provides various financial services in Russia. The bank offers services to its corporate customers, retail customers, and other banks. Its product and services consist of cash management services, deposit banking, loans, trade financing, conversion services, correspondent account and purchase and sale of securities. The bank provides its services to road industry, farming, and transporting, industrial and housing construction, building materials, trade as well as to military industrial complex units. In addition, it is also engaged in small and medium-sized business lending program, mortgage programs for corporate customers, program of work with road enterprises and private banking service.
17GF Score

Get the complete analysis for MIC:RDRB

Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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