Name

Europlan

Legal name

ПАО «Лизинговая компания «Европлан»»

Website

https://europlan.ru

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Auto Leasing Services

NAICS

Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321), Passenger Car Rental and Leasing (53211)

SIC

Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Commercial Fleet Leasing & Management (Trucks/Vans/LCVs) (THADAKAD), Government & Public Sector Passenger Vehicle Leasing (TLABAAAJ), Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

Keywords

• Auto leasing services
• Vehicle fleet financing
• Operating lease management
• Commercial vehicle leasing
• Subsidized auto leasing

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Financial Leasing: Core revenue stream from financial leasing of passenger cars, commercial vehicles, trucks, special equipment, and buses. Customers obtain vehicle ownership at end of lease term. Revenue generated through down payments, monthly lease payments, and final buyout payments.
2. Operating Lease: Operating lease revenue from leasing passenger cars and light commercial vehicles with fixed monthly payments. Vehicle ownership remains with Europlan. Revenue comes from regular lease payments over the contract period.
3. Vehicle Subscription: Subscription service for passenger cars where customers pay for usage over a defined term without ownership transfer. Includes 11 car brands, flexible term and mileage limits, all maintenance costs covered.
4. Insurance Products (Kasko, OSAGO, and others): Europlan offers a wide range of insurance products from leading Russian insurers: Kasko (comprehensive), OSAGO (mandatory liability), DSAGO (extended liability), insurance for self-propelled equipment, tire and wheel insurance, payment insurance, extended warranty, lessee protection, driver protection, and OSGOP for taxis. Premiums are integrated into lease payments.
5. Auto Services and Maintenance: Over 30 automotive services including registration, technical maintenance, tire service, fuel program management, satellite systems, road assistance, vehicle delivery, trade-in, courtesy vehicles, tachograph installation, electronic waybills, and more. Services can be added to lease agreements or purchased separately.
6. Automotive Marketplace: Vehicle marketplace providing customers access to car dealership offers across Russia with daily updated information. Customers can receive discounts and order vehicles currently out of stock.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core offering

Europlan is a Russian auto leasing company offering financial leasing, operating lease, and vehicle subscription programs for passenger cars, commercial vehicles, trucks, special equipment, buses, and motorcycles. The company complements its core leasing with 30+ ancillary services including insurance (Kasko, OSAGO, extended warranty), registration, maintenance, fuel program, satellite tracking, road assistance, electronic document management, and a car marketplace. It also runs government-subsidized leasing programs in partnership with the Russian Ministry of Industry and Trade.

Product overview

Europlan is a Russian leasing company offering a comprehensive automotive leasing ecosystem. The core product is financial leasing of passenger cars, commercial vehicles, trucks, and special equipment (new and used), supplemented by operating lease with fleet management services and vehicle subscription (11 brands). Beyond core leasing, Europlan provides an extensive add-on services ecosystem launched in 2015 covering insurance (Kasko, SuperKasko, CMTPL, VTPL, extended warranty, tyre insurance), automotive services (registration, maintenance, tire service, fuel programme, road assistance, vehicle tracking, tachograph), and digital tools (personal account, electronic documents, car marketplace). Insurance products also include lease payment insurance, lessee protection, and taxi liability coverage. The offering is structured as a platform of modular services that can be bundled into lease agreements or purchased separately.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Leasing Financial leasing of passenger cars, commercial vehicles, industrial vehicles, and equipment (new and used), with customers obtaining vehicle ownership at end of the lease term. Revenue generated through down payments, monthly lease payments, and final buyout payments.
• Operating Lease / Fleet Management Operating lease program for passenger cars and light commercial vehicles with fixed monthly payments covering all maintenance services. Vehicle ownership remains with Europlan, helping customers reduce fleet management costs.
• Government Subsidy Leasing Programs Leasing under Russian Ministry of Industry and Trade subsidy programs providing subsidized rates on passenger cars, trucks, special equipment, and other vehicles for qualifying businesses.
• Taxi Leasing Specialized leasing program for taxi companies and ride-hailing drivers offering economy, comfort, and business category passenger cars with special insurance terms and discounts through partnerships with major taxi networks.
• Leasing for Individuals Leasing program for private individuals and self-employed persons to lease passenger cars (new and used) with full insurance, registration, and 24/7 road assistance included.
• Leaseback (Sale-Leaseback) Sale-leaseback arrangement allowing customers to obtain capital for business development by selling vehicles to Europlan while continuing to use them under a lease.
• Vehicle Subscription (Подписка) Subscription program for passenger cars offering 11 different car brands with flexible contract terms and mileage limits. All automotive services and maintenance costs are included. At end of term, customers can prolong, register for a new car, or end the subscription.
• Insurance Products Package Bundled insurance offering including Kasko (comprehensive), SuperKasko, OSAGO (mandatory liability), DSAGO (voluntary liability), payment insurance, lessee protection, extended warranty, tire/wheel insurance, and OSGOP for taxis, from leading Russian insurers with premiums integrated into lease payments.
• Auto Services Bundle (Registration, Maintenance, Fuel, Tracking, etc.) Over 30 automotive services including vehicle registration in GIBDD/Gostehnadzor, technical maintenance with up to 20% savings through corporate discounts, tire service, fuel program with up to 30% savings through partner networks, satellite vehicle tracking reducing fleet management expenses by up to 20%, road assistance in 100+ Russian cities, vehicle delivery, trade-in, courtesy vehicles for 3-60 days, tachograph installation, electronic waybills, and vehicle search and return. Services can be added to lease agreements or purchased separately.
• Privileges Subscription Service Subscription service providing unlimited access to document services, leasing agreement modifications, vehicle operations, and other services under Universal Tariffs. Privileges tier (35,000 RUB/year) includes annual subscription for 14 most requested one-time services under one lease agreement. Privileges Plus (55,000 RUB/year) adds specialist consultations on specific Europlan lease agreements plus all Privileges benefits.
• Car Rental Vehicle rental service offered by vehicle class for rental terms from one week to one year.
• Car Marketplace Marketplace providing customers access to car dealership offers across Russia with daily updated information. Customers can receive discounts and order vehicles currently out of stock.
• Leasing with Buyout Option Leasing program allowing customers to exercise a buyout option to acquire the leased vehicle at end of the contract term.
• Leasing with Floating Rate Leasing program featuring a floating interest rate tied to a benchmark, providing flexibility for customers in changing rate environments.
• Debt Transfer and Assignment Services Services enabling transfer of rights and obligations under an existing lease agreement to another legal entity or individual (debt transfer), and transfer of lease debt obligations to another party (debt assignment).
• Lease Extension and Credit Holidays Payment schedule modifications allowing credit holidays up to 3 months or lease extension up to 12 months for customers facing temporary financial difficulties.
• Eco-Friendly Leasing (Экологично в лизинг) Non-commercial service in partnership with the Russian Climate Foundation supporting forest restoration and carbon footprint compensation projects for leased vehicles.
• Extended Warranty for Category C Trucks Extended warranty insurance program covering unexpected breakdowns after manufacturer warranty ends or when absent, with coverage expanded in July 2026 to include category C trucks. Includes repair or replacement of vehicle components.

Quantifiable outcome

• Up to 1,056,000 RUB discount on Chinese vehicle brands
• +7 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core, major and minor.

• Russian Ministry of Industry and Trade (Минпромторг России)coreStrategic or Co-development PartnerEuroplan participates in government subsidy leasing programs launched by the Ministry of Industry and Trade to provide more attractive leasing terms for clients. Programs include subsidized rates for vehicles from specific manufacturers including Chinese brands and FAW trucks (up to 400,000 RUB subsidy for FAW, up to 1,056,000 RUB for Voyah Dream).
• FAW (FAW J6, J7, CA series)majorStrategic or Co-development PartnerOfficial partnership with FAW for special leasing conditions on cargo trucks including subsidies up to 400,000 RUB and special CASCO rates. Available on models including FAW J6, J7, CA4180, CA3310, CA3250, CA4250.
• TENET (automotive brand)majorGTM or Marketing PartnerEuroplan is official partner of TENET program providing special leasing conditions for TENET vehicles. Joint marketing and sales promotion through dealer networks.
• OMODA (automotive brand)majorGTM or Marketing PartnerEuroplan is official partner of OMODA program providing special leasing conditions for OMODA vehicles. Joint marketing and sales promotion through dealer networks.
• EXLANTIX (automotive brand)majorGTM or Marketing PartnerEuroplan is official partner of ESTEO EXLANTIX program providing special leasing conditions for EXLANTIX vehicles. Joint marketing and sales promotion.
• JAECOO (automotive brand)majorGTM or Marketing PartnerEuroplan is official partner of JAECOO program providing special leasing conditions for JAECOO J7 and J8 vehicles. Joint marketing and sales promotion.
• EXEED (automotive brand)majorGTM or Marketing PartnerEuroplan is official partner of EXEED program providing special leasing conditions for EXEED vehicles including VX and RX models. Joint marketing and sales promotion.
• E100 (fuel card program)majorChannel Partner/ Reseller/ DistributorE100 is the primary fuel card partner for Europlan's fuel program. Provides access to 10% discount on fuel at partner gas stations, 2% discount at PPR program stations, transaction tracking, and 22% VAT refund capability. Part of ООО «ППР» partnership.
• Over 4,000 Dealers and SupplierscoreChannel Partner/ Reseller/ DistributorEuroplan works with over 4,000 dealers for vehicle selection services across Russia. Dealers provide vehicles in all categories including passenger cars, commercial vehicles, trucks, special equipment, and buses. Over 5,000 suppliers total in the network.
• Russian Climate Fund (Русский Климатический Фонд)minorStrategic or Co-development PartnerNon-profit partnership for forest restoration projects and carbon footprint compensation from vehicle use. Joint environmental initiative under 'Eco in Leasing' program (Экологично в лизинг). The service has no commercial purpose.
• Leading Russian Insurance CompaniescoreChannel Partner/ Reseller/ DistributorEuroplan partners with leading Russian insurance companies to offer Kasko, OSAGO, DSAGO, insurance for self-propelled equipment, tire insurance, payment insurance, extended warranty, lessee protection, driver protection, and OSGOP for taxis products.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• LeasePlan: One of the world's largest vehicle leasing and fleet management companies (now part of ALD/SG). Provides operating lease, fleet management, and subscription services globally — comparable to Europlan's full-service operating lease offering — though no longer operating in Russia.
• Arval: BNP Paribas subsidiary providing full-service vehicle leasing and fleet management across Europe. Comparable to Europlan's operating lease and fleet management business line, particularly relevant given Europlan's stated ambitions to expand service bundles.
• ALD Automotive: Global fleet management and vehicle leasing company owned by Societe Generale. While it exited Russia in 2022, it represents the international operational benchmark for full-service leasing and operating lease that Europlan aspires to in both business model and bundled service offering.

Direct peers

• Gazprombank Leasing: Leasing subsidiary of Gazprombank, a major Russian bank, providing vehicle and equipment leasing to corporate and SMB clients. Competes on similar product lines as Europlan with the funding-cost advantage of a major bank parent.
• Sberbank Leasing: Subsidiary of Sberbank, the largest Russian bank, and a direct competitor in auto leasing with access to state-backed capital. Operates similar financial lease, operating lease, and fleet management products across Russia and is the largest overall leasing company in Russia, making it the most direct comparable to Europlan.
• VTB Leasing: Leasing arm of VTB Bank, a major Russian state-owned bank. Offers comparable financial leasing and operating lease products for vehicles and equipment, competing head-to-head with Europlan in the SMB and corporate segments, particularly on large fleet deals backed by cheaper funding.
• RESO Leasing: Independent Russian leasing company part of the RESO group, offering financial leasing of passenger cars, commercial vehicles, and special equipment. Direct competitor in the independent leasing segment, competing with Europlan on similar customer segments and product offerings.
• Alfa-Leasing: Leasing subsidiary of Alfa-Bank, offering vehicle leasing and fleet management services to SMB and corporate clients in Russia. Comparable to Europlan in target market, product breadth, and GTM approach with both digital and physical sales channels.
• Carcade (CARCADE-Leasing): One of the largest Russian auto leasing companies, offering financial leasing of passenger and commercial vehicles. Previously part of the OTP Bank group, restructured as independent lessor. Directly competes with Europlan on passenger car leasing, particularly with SMB and individual entrepreneur segments.

Others

• FAW (commercial vehicle partnership): Chinese commercial vehicle OEM with special subsidized leasing program via Europlan (up to 400,000 RUB subsidy). While not a peer in the leasing sense, FAW is a key supplier partner and illustrates the deeper China-Russia auto trade trend that is structurally favorable to Europlan's new business growth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/EuroplanRuOfficial
• Xx.com/europlannews
• Facebookfacebook.com/europlanofficial

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Europlan