Kaspi.kz Past Earnings Performance
Past criteria checks 3/6
Kaspi.kz has been growing earnings at an average annual rate of 33.6%, while the Consumer Finance industry saw earnings growing at 12.8% annually. Revenues have been growing at an average rate of 33.2% per year. Kaspi.kz's return on equity is 71.9%, and it has net margins of 41%.
Key information
33.6%
Earnings growth rate
33.2%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | 33.2% |
| Return on equity | 71.9% |
| Net Margin | 41.0% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Kaspi.kz makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 2,370,679 | 972,121 | 74,519 | 107,166 |
| 30 Jun 24 | 2,223,509 | 933,584 | 67,540 | 102,373 |
| 31 Mar 24 | 2,061,394 | 887,847 | 59,131 | 96,705 |
| 31 Dec 23 | 1,902,598 | 841,351 | 51,359 | 88,657 |
| 30 Sep 23 | 1,722,373 | 784,217 | 47,197 | 77,923 |
| 30 Jun 23 | 1,559,341 | 718,304 | 44,280 | 71,058 |
| 31 Mar 23 | 1,408,004 | 656,187 | 42,976 | 64,811 |
| 31 Dec 22 | 1,269,215 | 585,026 | 50,390 | 60,117 |
| 30 Sep 22 | 1,151,798 | 534,245 | 47,719 | 54,527 |
| 30 Jun 22 | 1,053,118 | 492,831 | 45,377 | 50,718 |
| 31 Mar 22 | 970,264 | 459,765 | 43,164 | 47,783 |
| 31 Dec 21 | 885,478 | 431,914 | 32,387 | 44,388 |
| 30 Sep 21 | 753,756 | 373,819 | 9,663 | 41,442 |
| 30 Jun 21 | 675,046 | 318,186 | 18,659 | 37,019 |
| 31 Mar 21 | 611,752 | 272,705 | 23,453 | 32,836 |
| 31 Dec 20 | 602,869 | 260,964 | 28,927 | 29,183 |
| 30 Sep 20 | 611,615 | 244,432 | 56,484 | 22,905 |
| 30 Jun 20 | 586,148 | 233,524 | 62,565 | 25,562 |
| 31 Mar 20 | 569,537 | 225,293 | 47,608 | 19,634 |
| 31 Dec 19 | 513,914 | 193,790 | 43,192 | 18,891 |
| 30 Sep 19 | 467,463 | 158,293 | 38,440 | 17,435 |
| 30 Jun 19 | 433,061 | 133,017 | 22,518 | 12,371 |
| 31 Mar 19 | 400,437 | 114,159 | 31,512 | 15,975 |
| 31 Dec 18 | 375,331 | 105,540 | 28,114 | 14,719 |
| 30 Sep 18 | 347,962 | 92,425 | 25,772 | 13,941 |
| 30 Jun 18 | 316,934 | 76,463 | 23,282 | 13,306 |
| 31 Mar 18 | 282,872 | 77,797 | 9,045 | 379 |
| 31 Dec 17 | 275,753 | 49,015 | 20,682 | 12,503 |
| 31 Dec 16 | 223,303 | 4,159 | 15,167 | 11,120 |
| 31 Dec 15 | 87,583 | -8,153 | 1,463 | 0 |
Quality Earnings: KKS has a high level of non-cash earnings.
Growing Profit Margin: KKS's current net profit margins (41%) are lower than last year (45.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: KKS's earnings have grown significantly by 33.6% per year over the past 5 years.
Accelerating Growth: KKS's earnings growth over the past year (24%) is below its 5-year average (33.6% per year).
Earnings vs Industry: KKS earnings growth over the past year (24%) exceeded the Consumer Finance industry 1.4%.
Return on Equity
High ROE: KKS's Return on Equity (71.9%) is considered outstanding.