财务摘要（报告期）（Joint Stock Co Kaspi.kz ADR）
| 2026年一季报 | 2025年年报 | 2025年三季报 | 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 | |
|---|---|---|---|---|---|---|---|---|---|
| 每股指标： | |||||||||
| 每股收益EPS基本(元) | - | 会员可见 | - | - | - | 5,477.00 | - | - | - |
| 每股净资产(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 8,960.00 | 7,984.73 | 7,052.62 | 6,311.67 | 7,000.19 |
| 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 | -653.45 | 3,062.34 | 1,555.37 | 525.18 | -941.31 |
| 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 | 351.98 | -1,057.79 | -1,651.61 | -1,187.29 | -802.11 |
| 每股营业收入(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 4,307.74 | 13,326.03 | 9,482.40 | 6,062.92 | 2,909.41 |
| 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 | 75.55 | 88.00 | 88.23 | 88.22 | 88.59 |
| 销售净利率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 30.91 | 41.74 | 41.09 | 40.45 | 40.42 |
| 净资产收益率平均(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 15.75 | 80.12 | 61.24 | 40.93 | 18.56 |
| 总资产净利率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 2.88 | 13.68 | 10.25 | 6.66 | 3.25 |
| 投入资本回报率ROIC(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 3.15 | 15.32 | 11.43 | 7.50 | 3.70 |
| 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 | 159.54 | 148.05 | 150.24 | 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 | 17.37 | 17.58 | 17.61 | 17.57 | 16.97 |
| 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 | -15.17 | 22.98 | 16.40 | 8.66 | -32.35 |
| 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 | 80.81 | 81.22 | 81.95 | 82.83 | 80.34 |
| 权益乘数 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 5.21 | 5.33 | 5.54 | 5.82 | 5.09 |
| 产权比率 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 4.39 | 4.48 | 4.66 | 4.95 | 4.17 |
| 流动资产／总资产(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 86.89 | 95.12 | 95.40 | 95.26 | 95.30 |
| 非流动资产／总资产(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 13.11 | 4.88 | 4.60 | 4.74 | 4.70 |
| 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 | 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 | 20.16 | 19.85 | 19.07 | 18.47 | 21.58 |
| 偿债能力： | |||||||||
| 流动比率 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.08 | 1.17 | 1.16 | 1.15 | 1.19 |
| 速动比率 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.08 | 1.17 | 1.16 | 1.15 | 1.19 |
| 货币资金／流动负债(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 9.85 | 9.95 | 8.96 | 10.84 | 12.94 |
| 营业利润／流动负债(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6.53 | 27.90 | 21.62 | 9.52 | 4.85 |
| 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 | -1.66 | 8.55 | 4.73 | 1.68 | -3.22 |
| 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 | 22.76 | 22.30 | 21.46 | 20.20 | 23.96 |
| 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 | -1.66 | 8.55 | 4.73 | 1.68 | -3.22 |
| 营业利润／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6.53 | 27.90 | 21.62 | 9.52 | 4.85 |
| 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 | 34.53 | 22.80 | 25.35 | - | - |
| 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 | 28.00 | 40.48 | 33.84 | - | - |
| 总负债同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 35.32 | 18.98 | 23.18 | - | - |
| 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 | 23.61 | -100.00 | -100.00 | -100.00 |
| 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 | 28.52 | 40.73 | 34.08 | - | - |
| 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 | 18.31 | 26.56 | 26.75 | 28.12 | 29.62 |
| 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 | 48.67 | 32.33 | 34.19 | 38.09 | 39.95 |
| 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 | 31.29 | 42.57 | 36.27 | - | - |
| 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 | 0.10 | 0.35 | 0.26 | 0.17 | 0.08 |
| 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 | 2.61 | 11.42 | 9.49 | 6.38 | 3.19 |
| 总资产周转率次(次) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 0.09 | 0.33 | 0.25 | 0.16 | 0.08 |
| 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 | 18,564,000,000.00 | -200,996,000,000.00 | -21,881,000,000.00 | 67,582,000,000.00 | 147,220,000,000.00 |
| 利润总额TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1,320,644,000,000.00 | 1,282,289,000,000.00 | 1,199,838,000,000.00 | 1,146,088,000,000.00 | 1,083,495,000,000.00 |
| 毛利TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 2,359,436,000,000.00 | 2,228,298,000,000.00 | 2,102,180,000,000.00 | 1,996,562,000,000.00 | 1,873,214,000,000.00 |
| 投入资本(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 8,480,414,000,000.00 | 7,644,687,000,000.00 | 7,025,858,000,000.00 | 6,492,942,000,000.00 | 6,162,504,000,000.00 |
| 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 | 636,082,000,000.00 | 581,892,000,000.00 | 731,611,000,000.00 | 423,533,000,000.00 | 699,332,000,000.00 |
| 总营业收入TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 2,801,193,000,000.00 | 2,532,156,000,000.00 | 2,372,598,000,000.00 | 2,231,280,000,000.00 | 2,071,300,000,000.00 |
| 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 | 1,074,189,000,000.00 | 1,039,739,000,000.00 | 984,711,000,000.00 | 941,491,000,000.00 | 891,688,000,000.00 |
| 所得税TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 233,201,000,000.00 | 225,455,000,000.00 | 211,412,000,000.00 | 199,546,000,000.00 | 185,494,000,000.00 |