财务摘要（报告期）（Joint Stock Co Kaspi.kz ADR）
| 2025年中报 | 2025年一季报 | 2024年年报 | 2024年三季报 | 2024年中报 | 2024年一季报 | 2023年年报 | 2023年三季报 | 2023年中报 | 2023年一季报 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 每股指标： | ||||||||||
| 每股收益EPS基本(元) | - | - | 会员可见 | - | - | - | 4,431.00 | 3,143.00 | - | - |
| 每股净资产(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6,311.67 | 7,000.19 | 5,683.77 | 5,269.25 | - | - |
| 每股经营现金净流量(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 525.18 | -941.31 | 5,831.41 | 3,532.51 | - | - |
| 每股现金流量净额(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | -1,187.29 | -802.11 | 1,081.30 | -457.84 | - | - |
| 每股营业收入(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6,062.92 | 2,909.41 | 10,087.75 | 7,078.58 | - | - |
| 盈利能力： | ||||||||||
| 销售毛利率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 88.22 | 88.59 | 91.31 | 91.95 | 91.93 | 92.06 |
| 销售净利率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 40.45 | 40.42 | 44.36 | 44.74 | 44.15 | 44.10 |
| 净资产收益率平均(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 40.93 | 18.56 | 88.69 | 65.66 | - | - |
| 总资产净利率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6.66 | 3.25 | 14.09 | 10.66 | - | - |
| 投入资本回报率ROIC(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 7.50 | 3.70 | 16.20 | 12.00 | - | - |
| 收益质量： | ||||||||||
| 营业利润／利润总额(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 100.00 | 100.00 | 100.00 | 147.78 | 100.00 | 100.00 |
| 税项／利润总额(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 17.57 | 16.97 | 16.95 | 16.66 | 16.55 | 16.09 |
| 经营活动产生的现金流量净额／营业收入(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 8.66 | -32.35 | 57.81 | 49.90 | 93.78 | 57.71 |
| 资本结构： | ||||||||||
| 资产负债率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 82.83 | 80.34 | 83.83 | 83.40 | - | - |
| 权益乘数 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 5.82 | 5.09 | 6.18 | 6.02 | 1.00 | 1.00 |
| 产权比率 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 4.95 | 4.17 | 5.30 | 5.07 | - | - |
| 流动资产／总资产(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 95.26 | 95.30 | 95.46 | 95.72 | - | - |
| 非流动资产／总资产(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 4.74 | 4.70 | 4.54 | 4.28 | - | - |
| 流动负债／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 100.00 | 100.00 | 100.00 | 100.00 | - | - |
| 归属母公司股东的权益／投入资本(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 18.47 | 21.58 | 18.18 | 18.19 | - | - |
| 偿债能力： | ||||||||||
| 流动比率 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.15 | 1.19 | 1.14 | 1.15 | - | - |
| 速动比率 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.15 | 1.19 | 1.14 | 1.15 | - | - |
| 货币资金／流动负债(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 10.84 | 12.94 | 15.17 | 11.35 | - | - |
| 营业利润／流动负债(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 9.52 | 4.85 | 17.87 | 21.01 | - | - |
| 经营活动产生的现金流量净额／流动负债(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.68 | -3.22 | 19.34 | 13.22 | - | - |
| 归属母公司股东的权益／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 20.20 | 23.96 | 18.85 | 19.71 | - | - |
| 经营活动产生的现金流量净额／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.68 | -3.22 | 19.34 | 13.22 | - | - |
| 营业利润／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 9.52 | 4.85 | 17.87 | 21.01 | - | - |
| 成长能力： | ||||||||||
| 总资产同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | - | - | 33.20 | - | - | - |
| 每股净资产同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | - | - | - | - | - | - |
| 总负债同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | - | - | 33.12 | - | - | - |
| 基本每股收益同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | -100.00 | -100.00 | 45.23 | 51.69 | - | - |
| 归属母公司股东的权益同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | - | - | 31.61 | - | - | - |
| 营业利润同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 28.12 | 29.62 | 2.28 | 56.59 | - | - |
| 营业收入同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 38.09 | 39.95 | 50.60 | 52.98 | - | - |
| 股东权益合计同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | - | - | 33.61 | - | - | - |
| 营运能力： | ||||||||||
| 流动资产周转率次(次) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 0.17 | 0.08 | 0.33 | 0.25 | - | - |
| 固定资产周转率次(次) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6.38 | 3.19 | 12.50 | 9.46 | - | - |
| 总资产周转率次(次) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 0.16 | 0.08 | 0.32 | 0.24 | - | - |
| 衍生指标： | ||||||||||
| 现金及现金等价物净增加额TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 67,582,000,000.00 | 147,220,000,000.00 | 205,106,000,000.00 | 10,852,000,000.00 | 273,259,000,000.00 | 273,259,000,000.00 |
| 利润总额TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1,146,088,000,000.00 | 1,083,495,000,000.00 | 1,022,004,000,000.00 | 951,632,000,000.00 | 720,574,000,000.00 | 720,574,000,000.00 |
| 毛利TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1,996,562,000,000.00 | 1,873,214,000,000.00 | 1,747,134,000,000.00 | 1,601,862,000,000.00 | 1,187,845,000,000.00 | 1,187,845,000,000.00 |
| 投入资本(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6,492,942,000,000.00 | 6,162,504,000,000.00 | 5,929,266,000,000.00 | 5,493,878,000,000.00 | - | - |
| 经营活动产生的现金流量净额TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 423,533,000,000.00 | 699,332,000,000.00 | 1,106,128,000,000.00 | 1,085,339,000,000.00 | 1,020,984,000,000.00 | 1,020,984,000,000.00 |
| 总营业收入TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 2,231,280,000,000.00 | 2,071,300,000,000.00 | 1,913,490,000,000.00 | 1,735,597,000,000.00 | 1,270,592,000,000.00 | 1,270,592,000,000.00 |
| 归属母公司净利润TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 941,491,000,000.00 | 891,688,000,000.00 | 841,351,000,000.00 | 784,217,000,000.00 | 585,026,000,000.00 | 585,026,000,000.00 |
| 所得税TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 199,546,000,000.00 | 185,494,000,000.00 | 173,234,000,000.00 | 162,606,000,000.00 | 131,730,000,000.00 | 131,730,000,000.00 |