Finist
Finist is a TOP-5 Russian insurance broker founded in 2003, operating across 12 regions with 3,500+ agents and 15,000+ monthly customers. The Moscow-headquartered company distributes insurance, mortgage, real estate, and auto services on a commission-based multi-platform model.
- Company typePrivate
- Founded2003
- HeadquartersMoscow, Russia
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Finist does
Finist is a Moscow-headquartered, TOP-5 Russian insurance broker founded in 2003 by Tyurin Mikhail Viktorovich. Operating across 12 Russian regions with a network of 3,500+ agents, 10+ city offices, 8 FinistAuto technical service centers, and approximately 15,000 customers served per month, Finist functions as a multi-line financial services aggregator that distributes insurance, mortgage, refinancing, real estate, and auto services on a transaction-commission basis. End customers receive services free of charge; Finist monetizes through carrier and bank payouts plus partner referral fees.
The company runs a portfolio of dedicated platforms: finist.ru (insurance), banks.finist.ru (mortgage comparison across 15+ banks), realty.finist.ru and estate.finist.ru (new construction sales aggregating 25,000–95,000+ listings), refin.finist.ru (refinancing), zagorod.finist.ru (suburban housing), finistauto.ru (auto insurance and service), and promoneyclub.ru (financial content). Underlying technology consists of online rate calculators (KASKO across 25 insurers, mortgage across 15+ banks), a partner CRM at lk.finist.ru with real-time commission tracking, and aggregation interfaces — all conventional web infrastructure without disclosed AI/ML components. In 2021, Finist reported 12 billion rubles in mortgage loan disbursements through its platform.
The business is organized as a group of related Russian legal entities (OOO Finist, OOO Feniks, OOO Flagman, OOO ProfGarant, etc.) under common founder management, entirely owned by founders Tyurin Mikhail Viktorovich (Managing Partner) and Kholin Vladimir Evgenievich (Chairman, joined 2005). Revenue streams are entirely transaction-based: commission on mortgage insurance (up to 25% of premium), lending referrals (0.7% of loan), property valuation (up to 40%), real estate sales, and insurance brokerage fees. There are no disclosed external investors, no funding rounds, and no M&A activity in the input materials; growth has been entirely organic over 20+ years.
Finist firmographics
Firmographics- Name
- Finist
- Legal name
- ООО «Финист»
- Website
- https://finist.ru
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Finist is a TOP-5 Russian insurance broker founded in 2003, operating across 12 regions with 3,500+ agents and 15,000+ monthly customers. The Moscow-headquartered company distributes insurance, mortgage, real estate, and auto services on a commission-based multi-platform model.
- Ownership category
- akta.pro rank
Where Finist is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices17 records
Markets served
Finist business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance brokerage commissions: Company earns commission from insurance companies for bringing client volume. Partners can earn up to 50,000 rubles per insurance deal. Services are free for end customers as commissions come from insurance partners.
- Mortgage and refinancing services: Company earns referral commissions from banks for mortgage approvals and refinancing transactions. Partners receive 0.7% of deal value.
- Property valuation services: Commission from property valuation services, with partners earning up to 40% on deals.
- Real estate sales: Revenue from real estate sales through subsidiary platforms including new construction aggregation and direct sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Partner commission - Mortgage insurance: up to 25% of deal value |
| Transaction based/ take rate | Pay-as-you-go | Partner commission - Lending: up to 0.7% of loan amount |
| Transaction based/ take rate | Pay-as-you-go | Partner commission - Property valuation: up to 40% |
| Transaction based/ take rate | Pay-as-you-go | Partner commission - Auto insurance: up to 10-14% |
| Usage-based | Annual | Auto insurance (KASKO): discounts of 5-50% when ordered through website |
| Usage-based | Annual | Property insurance: discounts of 5-50% on policies |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Finist product offering
Product offeringCore offering
Finist is a Russian insurance brokerage and financial services group that aggregates offers from 20+ insurance companies and 15+ banks to provide individual consumers with mortgage, auto, property, travel, medical, and title insurance, along with mortgage refinancing and real estate transaction support. Services are free for end customers, with revenue generated through commissions paid by insurance carriers and lending partners, supplemented by a partner agent network and an auto service center chain.
Product overview
Finist is a TOP-5 Russian insurance broker operating since 2003 with a diversified financial services ecosystem. The company functions as both a multi-category insurance aggregator and a real estate services platform. Its core products include comprehensive mortgage insurance (offering policies from 9+ insurance companies), the Finist.Banks mortgage aggregator platform for rate comparison across 15+ bank partners, and Finist Real Estate for property sales with 10,000+ listings. The Finist.Новостройки new construction platform aggregates over 95,000 apartments from 15+ developers serving 3,000+ agents. Related verticals include auto insurance (KASKO, OSAGO, GAP) via FinistAuto with 8 technical service centers, property insurance (residential, commercial, construction risks), tourist/travel insurance, voluntary medical insurance (DMS), and title insurance. The company also offers mortgage refinancing, legal services for real estate transactions, and a partner affiliate program. Supporting infrastructure includes a partner CRM/cabinet system (lk.finist.ru) for agents to track leads and commissions. The group handles 12 billion rubles in loan disbursements annually, serves 15,000+ monthly clients, and operates across 12 regions with a network of 3,500+ insurance partners and 350 agents.
Differentiator
Problem solved
Functional benefit
Brands
- FinistAuto: Auto insurance brokerage and network of own auto service centers (СТО) for vehicle maintenance and repair.
- Finist.Ипотека (banks.finist.ru)
- FinistНедвижимость (realty.finist.ru)
- FinistНовостройки (estate.finist.ru)
- Finist Рефинансирование (refin.finist.ru)
- ProMoneyClub (promoneyclub.ru)
Products and services
- Comprehensive Mortgage Insurance (Комплексное ипотечное страхование) Mortgage insurance brokerage service that helps clients select optimal insurance packages from top Russian insurers, covering property, life and health, and title insurance required by mortgage-holding banks.
- Finist Banks Mortgage Platform (Finist.Ипотека) Free online platform for comparing mortgage offers across 15+ partner banks, with interest rate calculators, online application submission, and a personal curator available 24/7.
- Finist Mortgage Refinancing (Рефинансирование) Mortgage refinancing brokerage that compares re-crediting conditions from partner banks including UniCredit, Transcapitalbank, Rosbank, DOM.RF, Raiffeisenbank, and Uralsib, with rates starting from 7.9%.
- Auto Insurance (KASKO, OSAGO, GAP, Green Card) Auto insurance brokerage offering KASKO voluntary vehicle insurance, mandatory OSAGO liability, GAP, extended liability DGO, and international Green Card policies from 25 partner insurance companies with discounts of 5-50%.
- Property Insurance Insurance for residential and commercial property including apartments, country houses, dachas, box insurance, civil liability, and construction and installation risks.
- Tourist Insurance Travel insurance coverage for tourists including medical expenses, accident compensation, trip cancellation, and third-party liability, averaging approximately $1 per day.
- Voluntary Medical Insurance (DMS) Voluntary health insurance providing access to over 300 medical institutions, with programs designed for individuals, small businesses, and corporate clients.
- Title Insurance Insurance against legal risks that may deprive property owners of ownership rights, covering fraud, document defects, unknown heirs, and hidden property defects.
- Legal Services Legal document verification, purchase agreement preparation, and due diligence services for primary and secondary real estate markets, land plots, and commercial property.
- Construction and Installation Insurance (SMR) Insurance covering construction and installation risks for contractors and customers, including investment protection, liability insurance, and asset coverage during construction projects.
- Finist Real Estate Services (Finist.Недвижимость) Real estate sales platform offering property selection, mortgage approval, legal verification, and contract preparation services with a property database across Moscow, St. Petersburg, and Krasnodar region.
- Finist New Construction (Finist.Новостройки) Aggregator platform for new construction sales with over 95,000 apartments from developers in Moscow, St. Petersburg, Leningrad Oblast, and Krasnodar region, serving over 3,000 agents.
- Finist Suburban Housing (Finist Загород) Suburban real estate and individual housing construction services offering over 1,000 project designs, professional builder teams, and mortgage financing options.
- FinistAuto Technical Centers (СТО) Network of 8 technical centers in Moscow, St. Petersburg, and Nizhny Novgorod providing vehicle maintenance and repair services under the FinistAuto brand.
- Partner Affiliate Program Affiliate program enabling partners to earn up to 50,000 rubles per transaction through referrals for mortgage insurance, lending, property valuation, and auto insurance services.
Quantifiable outcome
- Save 40 hours on average per client for loan approval and selection process
- +4 more outcomes
Companies that use Finist
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
Finist technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Finist partnerships and signals
Strategic signalPartnerships
35 partnerships are on record, tiered core and minor.
- IngosstrakhcoreMajor Russian insurance company partnership for mortgage, property, auto and other insurance products
- RESO GarantiacoreOne of the largest Russian insurance companies, providing comprehensive insurance coverage options
- AlfaStrakhovaniecoreMajor insurance partner for auto, property and mortgage insurance products
- Tinkoff InsuranceminorDigital insurance company providing online insurance products
- Renaissance InsurancecoreInsurance company partnership for comprehensive coverage options
- VSK (Vsegda Ryadom)coreInsurance partner for property and auto coverage
- Sovkombank InsuranceminorInsurance products through Sovkombank
- UGORIAminorRegional insurance company partnership
- SoglasiecoreMajor Russian insurance company for auto and property coverage
- SOGAZcoreLeading Russian insurance company, corporate and property insurance specialist
- PARI InsuranceminorInsurance products for various coverage needs
- RosgosstrakhcoreOne of Russia's largest insurance companies
- OSK InsuranceminorInsurance company partnership for auto coverage
- MAKS InsuranceminorInsurance products through MAKS
- Guide InsuranceminorInsurance company partnership
- Granta InsuranceminorInsurance products
- EnergogarantminorInsurance company partnership
- Kapital PolisminorInsurance products
- Zetta InsurancecoreDigital insurance company providing various coverage options
- SberbankcoreLargest Russian bank, mortgage lending partnership
- VTB BankcoreMajor Russian bank for mortgage and loan products
- Alfa-BankcoreLeading Russian bank for mortgage refinancing and lending
- Tinkoff BankcoreDigital bank partnership for mortgage products
- Uralsib BankcoreBank partnership for mortgage lending
- MKB (Moscow Credit Bank)coreMortgage lending partnership
- TKB (TransCapitalBank)coreBank for mortgage refinancing products
- SovcombankcoreBank partnership for mortgage and loan products
- RosbankcorePartnership for mortgage lending
- RaiffeisenbankcoreInternational bank partnership for mortgage products
- DOM.RF BankcoreState development bank for mortgage programs
- Absolut BankcoreMortgage lending partnership
- Bank RussiaminorRegional bank partnership
- CIAN (TSIAN)coreMajor real estate classified platform partnership for joint insurance products including mortgage insurance, property insurance, and title insurance
- Various developers (15+ direct partnerships)coreDirect partnerships with developers including Peterburgskaya Nedvizhimost, Neometria, Dogma, Metrix, and others for new construction sales
- Interregional Transaction Center (Finist Nedvizhimost)minorService allowing cross-regional client referrals to verified partners for transaction completion
Scale indicators15 records
Recent moves6 records
Expansion highlights5 records
Finist competitors and assessment
Company assessmentDirect peers
- CIAN: Russia's largest real estate classifieds platform and an existing Finist partner for co-developed insurance products. Both companies serve the same property-purchase customer journey with overlapping insurance, mortgage, and valuation services.
- Banki.ru: Major Russian financial services portal offering bank, insurance, and mortgage comparison plus consumer reviews. Closely overlaps with Finist's banks.finist.ru mortgage aggregator and insurance aggregation.
- Inguru: Russian aggregator for insurance, loans, and financial products with online comparison and lead generation. Competes head-to-head with Finist on consumer insurance and lending aggregation.
- Sravni.ru: Russia's leading insurance and financial services aggregator, allowing consumers to compare insurance, banking, and lending offers from multiple providers. Directly comparable to Finist's multi-carrier brokerage model.
- DomClick: Sberbank's flagship real estate, mortgage, and insurance platform — directly competing with Finist.Банки and Finist.Недвижимость across mortgage brokerage, property search, and insurance attach.
Broad incumbents
- AlfaStrakhovanie: Top-3 Russian insurance company and Finist partner. Operates its own agency and online channels, partially overlapping with Finist's role as an insurance intermediary for the same product set.
- RESO-Garantia: One of Russia's largest insurance companies and a Finist distribution partner. Competes indirectly via its own agency channel and increasingly via direct digital sales, threatening broker intermediation.
- Sberbank Insurance (SberStrakhovanie): Insurance arm of Russia's dominant bank, distributing directly through Sber's own channels and DomClick. A structural disintermediation threat to independent brokers like Finist.
Regional players
- Policygenius: US-based online insurance marketplace comparing life, home, auto, and disability policies across multiple carriers. Geographically distant but a close business-model analog to Finist's multi-carrier insurance aggregation.
Emerging players
- Yandex Nedvizhimost: Yandex's real estate vertical combining property listings with mortgage and insurance tools. Competes with Finist's realty.finist.ru and estate.finist.ru platforms and brings significant traffic and brand reach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Finist social profiles
Digital presenceFinist financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finist leadership team
Management profileNumber of profiles
Profiles21 records
Finist subsidiaries and ownership
Company hierarchySubsidiaries1 record
Finist funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finist M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finist
What does Finist do?
Finist is a Russian insurance brokerage and financial services group that aggregates offers from 20+ insurance companies and 15+ banks to provide individual consumers with mortgage, auto, property, travel, medical, and title insurance, along with mortgage refinancing and real estate transaction support. Services are free for end customers, with revenue generated through commissions paid by insurance carriers and lending partners, supplemented by a partner agent network and an auto service center chain.
Is Finist a public or private company?
Finist is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finist founded?
Finist was founded in 2003. It employs 51 to 100 people.
Where is Finist based?
Finist is headquartered in Moscow, Russia, in the Europe region.
How does Finist make money?
Four revenue lines are on record. Insurance brokerage commissions are the primary driver. The others are mortgage and refinancing services, property valuation services and real estate sales.
Who are Finist's main competitors?
Direct peers on record are CIAN, Banki.ru, Inguru, Sravni.ru and DomClick. Broad incumbents are AlfaStrakhovanie, RESO-Garantia and Sberbank Insurance (SberStrakhovanie). Policygenius is listed as a regional player. Yandex Nedvizhimost is listed as an emerging player.
Does Finist have an API?
No public API is recorded for Finist.