MFI Seimer

LLC Seimer is a Russian financial company specializing in the provision of online microloans. It is a high-tech MFI that uses innovative technologies to fully meet customer demand.

Performance indicators

2024

Reduction in net profit by 35.5% to 3.93 billion rubles

In 2024, Seimer, one of the three largest Russian microfinance organizations (MFIs), received a net profit of 3.93 billion rubles. This is 35.5% less than in the previous year, when the figure reached 6.09 billion rubles. The relevant data are contained in the financial statements, which TAdviser reviewed in early August 2025.

The total volume of loans issued in 2024 amounted to 55.87 billion rubles, an increase of 5.3% compared to 2023 (53.07 billion rubles). At the same time, the issuance of funds to new customers rose on an annualized basis by 32.7% - 3.79 billion rubles to 5.03 billion rubles, while the issuance of funds to repeated customers increased by 3.2% - from 49.27 billion rubles to 50.84 billion rubles. Seimer continues to work on scaling IL loans (with repayment on schedule): their volume increased by 79% - from 10.45 billion rubles to 18.71 billion rubles. At the same time, the volume of short-term payday loans (PDL) decreased by 12.8% - from 42.53 billion rubles in 2023 to 37.09 billion rubles in 2024.

𝓲

Фото: Freepik

Seimer intends to remain the leader of the segment of high-margin short-term PDL loans. At the same time, we are consistently implementing a strategy of transformation into a multi-product company by increasing the volume of IL loans, scaling virtual cards with a credit limit, as well as the upcoming launch of PoS loans on the market, "says Roman Makarov, CEO of Seimer.

The volume of loans issued to customers in 2024 reached 13.24 billion rubles, which is 5% more than in the previous year (12.61 billion rubles). Net interest margin is indicated in the amount of 18.55 billion rubles against 18.46 billion rubles in 2023. General administrative expenses increased from 5.9 billion rubles to 7.59 billion rubles.^[1]

3rd place in the Russian MFI market in terms of microloans

History

2025

Purchase of Euroalliance for ₽490 million

Microfinance company Seimer acquired for ₽490 million a full stake in Euroalliance Bank, registered in Ivanovo. The closure of the transaction on June 27, 2025 was announced by the general director of the company Roman Makarov. According to him, the purchase will allow Seimer to expand the list of financial services and develop its own technological solutions for serving customers from among individuals and legal entities. Read more here

Purchase of a 51% stake in seller financing service on Seller Capital marketplaces

Microfinance company Seimer acquired 51% of the authorized capital of the microcredit company Assistance XXI, which owns a service for financing sellers on Sellers Capital marketplaces. This was announced in March 2025 by the general director of Seimer Roman Makarov. Information about this also appeared in the Unified State Register of Legal Entities. The amount of the transaction was not disclosed. According to Makarov, through this purchase, Seimer wants to gain the position of a leading lender to small and medium-sized businesses. The deal is not directly related to changing regulations. Read more here

2024: IPO held at the Moscow Exchange

On April 12, 2024, the microfinance company Seimer announced the procedure for the initial public offering (IPO) on the Moscow Exchange. The price amounted to 235 rubles per share, which corresponds to the lower bound of the previously announced range of 235-270 rubles.

The total IPO amounted to about 3.5 billion rubles, including a stabilization package. The share of free-float shares is approximately 15%. It is noted that in order to maintain the price within 30 days after the start of trading, securities worth up to 0.5 billion rubles at the IPO price can be purchased. According to the results of the initial public offering procedure, the capitalization of Seimer is estimated at 23.5 billion rubles.

𝓲

Фото: Unsplash

As part of the IPO, the sole owner of the company - Sergey Sedov - offered investors his shares in the amount of about 3 billion rubles. The shares of institutional investors and individuals in the total volume of placement were divided approximately equally. The company and Sedov, as well as affiliates with them, assumed obligations related to the restriction on the alienation of shares for a period of 180 days from the date of the start of trading on the Moscow Exchange. The company's shares are included in the third level of the Mosbirzhi listing. Bidding is carried out under the ticker symbol ZAYM and the code ISIN RU000A107RM8.

We are honored that some 44,000 investors have decided to be part of our history. One of the priorities of further work will be to expand this pool by confirming in practice the promises we have made and consistently working to increase the listing level, "says Roman Makarov, General Director of IFC Seimer.

Since the issuance of the first online loan in 2014, the total volume of Zaimer loans has exceeded 185 billion rubles. The base of registered customers of the company by April 2024 totals more than 17 million people.^[2]

2022

Exit from the capital of "A Money"

On May 27, 2022, the microfinance company Seimer withdrew from the capital of the microcredit company A Money, where it owned a 27% stake. Its share began to own Dmitry Gudzovsky.^[3]

Stopping the process of joining the Robocash Group

In 2022, in connection with Russia's special operation in Ukraine and the subsequent sanctions of Western countries, the process of joining IFC Seimer in the Robocash Group holding was stopped.

2021: Creation of microcredit company "A Money"

At the end of December 2021, it became known about the creation by Alfa-Bank of a microcredit company (MCC) "A Money." This is a joint project with IFC Seimer. Read more here.

2020

Denial of the report on the leakage of MFI customer data

The microfinance company Seimer conducted an internal audit in connection with the information on the sale Internet personal data of 1.2 million customers, microfinance market including its customers, was not leaks identified. This was reported on February 6, 2020 with RIA Novosti reference to the words of the representative of "Seimer."

"We are aware of this incident, in fact, an official check has already been carried out. The security service of IFC "Seimer" came to the conclusion that we did not have a data leak.... On this incident, IFC Seimer has already appealed to law enforcement agencies, since it considers such actions by third parties not only contrary to the law, but also threatening the safety of citizens of the Russian Federation, "said a representative of the microfinance company Seimer[4]

Customer Data Breach

On February 6, 2020, it became known about the appearance on sale of a database of clients of microfinance organizations (MFIs) in Russia, including FastMoney, Seimer eKapustu, Lime and Microclade. Read more here.

2014: Launch of the Seimer service

In October 2014, she developed and implemented the first fully automated Seimer 2.0 robot in Russia, which issues online loans without human participation quickly, around the clock, without holidays and weekends. As of December 2014, the company provided loans of up to 15,000 rubles for up to 30 days. Interest rate - from 1% per day.

The Seimer service was put into operation in February 2014 in semi-automatic mode. As of December 2014, tens of thousands of clients from most regions of Russia were served. The number of loans issued and the number of regular MFI customers is increasing exponentially.

The borrower in the work on the analysis of applications combined the internal system for assessing the client's creditworthiness, which includes about 1800 parameters, with scoring from the OKB. Despite the fact that the Scoring Bureau is a product aimed at borrowers from all segments of the credit market, it shows good results in the practice of the Seimer MFI. Such a system is effective and indicative in terms of the formation of individual conditions for lending to users of our online loan service, "commented Sergey Sedov, General Director of the Seimer MFO.

The scoring score is formed as a result of checking the potential borrower according to a certain list of rules related to the client's credit history. The share of the borrower's creditworthiness score received from the Scoring Bureau in the customer assessment model of the automated Seimer service is 40%.

"Cooperation with the Seimer MFO, as one of the key players in the online microloan market, is extremely important for the Bureau in terms of working on new market segments. The combination of the IDV on-line Identification Service, Credit Reports, Express Scoring and Scoring Bureau allows, on the one hand, to quickly cut off potentially fraudulent and default applications, and on the other, to offer more favorable conditions to good borrowers, "says Nikolai Myasnikov, Deputy General Director of OKB.

Notes