Collectors slammed in new segments
A new segment is arising in the collection market – the collection of debts to car sharing and leasing companies, the market participants told Kommersant. Moreover, if a cession develops in car sharing, then in leasing the mainly agent recovery scheme. So far, only test transactions are underway, but, according to expert estimates, these segments are potentially interesting to the recoverers: overdue debts to leasing companies are calculated by hundreds of billions of rubles, the volume of car sharing delay is two orders of magnitude more modest, but this business segment is developing rapidly.
According to Kommersant, the general director of the online platform for the sale of overdue debt DEBEX Marat Brook, the site has already held several pilot trades for customers of carshering companies. “All car sharing debts can be divided into two blocks – auto -ars and unpaid fines,” he explained. “In general, this type of debt is interesting to collectors, subject to the correct and quick transfer of documents from the seller to the buyer.” According to him, for test sales, the results are not bad – from 6% to 13% of the amount of debt. According to the National Association of Collection Agencies (Napka), according to the results of 2024, the average price of bank debt sales was 6.2%of the face value, MFIs – 17.4%, other (mobile operators, housing and communal services, etc.) – 2.6%.
Tatyana Volegova, commercial director of Service for the return of overdue debt ID Collect debt, indicated that the company began the purchase of portfolios of carshering expired debts in 2024. According to her, in the total volume of bought debt according to the results of the first quarter of 2025, the share of car sharing is about 0.5%. “The PKB is interesting portfolios of car sharing and leasing. At the moment, the company has a portfolio of car sharing debts acquired as a test, to evaluate profitability, ”says Pavel Mikhmel, managing director of the PCB.“ The average price for car sharing debts in 2024 was in the region of 7% of the face value ”.
According to experts, car sharing can become a serious participant in the assignment market. “The prevalence of car sharing in recent years shows that this segment of the recovery market has serious prospects: only in Moscow there is a rolling fleet of more than 40 thousand cars (according to TADVISER for 2024),” says Pavel Novikov, a partner and head of the resolving and partners dispute resolution. According to the head of the analytical department of the investment company « RIMO-TRAST » Oleg Ablev, in Russia there are approximately 30-40 car sharing operators. “The average check for damage to the car is 100-300 thousand rubles, for unpaid fines – from 5 thousand to 10 thousand rubles. The share of problem debts from the total number of rents is 10–15%, ”Mr. Abelev quotes the data.“ An annual volume of debt is approximately 2-3 billion rubles. The purchase cost of debt is from 10% to 13%. ”
Collectors are still looking at the leasing, but there is mutual interest. So, at the end of last week, at the 14th annual congress of Russian leasing companies, the general director of the Insight Lising group Mikhail Gonopolsky noted that the leasing companies begin to actively work with the collectors for the recovery of the balance (it occurs when the leasing agreement stops ahead of schedule and the lessor sees the leasing object). Anatoly Aminov cited the data that only in the first quarter of 2025, the “Europlane” of the stock of seized equipment is estimated at 15 billion rubles, for the entire 2024-24 billion rubles, for 2023-11 billion rubles. According to Mr. Aminov, only half of the technique seized goes for repeated leasing. “As for the debts of leasing companies, the penalty is carried out on them, but not through the assignment, but according to the agent scheme,” says Marat Brook. “The volume of this market is large, the duty is interesting in itself. Such debts may well be sold under the assignment agreement. ” The volume of the leasing market is 4-5 trillion rubles, the delay is 7-8% of the portfolio, this is about 300-400 billion rubles, the share that can go to the collectors is 20-30%, and Oleg Abelov indicates the rest on its own or through the court. In his opinion, the potential for collectors here is very large, many times higher than in car sharing.
But there are nuances. “To evaluate the penalty potential in this segment, a thorough assessment of forecast fees for such portfolios is required,” Tatyana Vollegova points out. “While we work out approaches in working with this market, more accurate estimates can be given as portfolios to work.” For the further growth of the leasing segment, it is important to introduce modern market practices, the regular sale of portfolios through electronic auctions – both open and closed, says Alexander Ermolaev, head of the YUSV collector agency.
“You need to understand that business is developing and in current realities it is important to work with debts without putting them on the table“ until better times ”, so it discovers new tools, including the sale of debts to collectors,” they enclose in Napka. “At the same time, the collection organizations are also interested in new segments.”
