Joint Stock Company Kaspi.kz (KSPI) quarterly income statement — complete revenue, gross profit & net income history
| Sales/Revenue | 1.03T | 1.11T | 1.11T | 969.51B | 821.85B | 724.46B | 652.59B | 592.85B | 551.02B | 568.27B | 502.19B | 432.12B |
| Revenue Growth % | 24.76% | 53.11% | 70.12% | 63.53% | 49.15% | 27.49% | 29.95% | 37.2% | 39.5% | 35.89% | 49.88% | - |
| Cost of Goods Sold | 302.49B | 289.32B | 352.05B | 287.15B | 391.83B | 264.38B | 243.4B | 79.7B | 214.91B | 199.24B | 47.7B | 42.87B |
| COGS % of Revenue | 29.5% | 26.08% | 31.71% | 29.62% | 47.68% | 36.49% | 37.3% | 13.44% | 39% | 35.06% | 9.5% | 9.92% |
| Gross Profit | 722.88B | 819.91B | 758.13B | 682.37B | 430.02B | 460.08B | 409.2B | 513.15B | 336.12B | 369.02B | 454.49B | 389.25B |
| Gross Margin % | 70.5% | 73.92% | 68.29% | 70.38% | 52.32% | 63.51% | 62.7% | 86.56% | 61% | 64.94% | 90.5% | 90.08% |
| Gross Profit Growth % | 68.1% | 78.21% | 85.27% | 32.97% | 27.94% | 24.67% | -9.97% | 31.83% | 34.05% | 23.67% | 95.08% | - |
| Operating Expenses | 417.06B | 475.5B | 124.1B | 140.11B | 122.57B | 82.38B | 73.05B | 76.17B | 68.81B | 70.41B | 34.91B | 155.55B |
| OpEx % of Revenue | 40.67% | 42.87% | 11.18% | 14.45% | 14.91% | 11.37% | 11.19% | 12.85% | 12.49% | 12.39% | 6.95% | 36% |
| Selling, General & Admin | 0 | 0 | 66.05B | 44.3B | 36.84B | 23.37B | 17.94B | 17.3B | 17.33B | 21.99B | 11.43B | 10.48B |
| SG&A % of Revenue | - | - | 5.95% | 4.57% | 4.48% | 3.23% | 2.75% | 2.92% | 3.14% | 3.87% | 2.28% | 2.42% |
| Research & Development | 0 | 0 | 58.05B | 50.89B | 42.9B | 29.34B | 27.54B | 26.24B | 26.43B | 28.58B | 22.14B | 19.94B |
| R&D % of Revenue | - | - | 5.23% | 5.25% | 5.22% | 4.05% | 4.22% | 4.43% | 4.8% | 5.03% | 4.41% | 4.61% |
| Other Operating Expenses | 1000K | 1000K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Operating Income | 305.82B | 344.41B | 634.03B | 542.25B | 307.45B | 377.7B | 336.15B | 436.99B | 267.31B | 298.61B | 419.58B | 233.69B |
| Operating Margin % | 29.83% | 31.05% | 57.11% | 55.93% | 37.41% | 52.14% | 51.51% | 73.71% | 48.51% | 52.55% | 83.55% | 54.08% |
| Operating Income Growth % | -0.53% | -8.81% | 88.61% | 24.09% | 15.02% | 26.48% | -19.88% | 86.99% | 28.76% | 29.4% | 108.17% | - |
| EBITDA | 305.82B | 344.41B | 654B | 545.24B | 309.79B | 377.7B | 336.15B | 437.93B | 267.31B | 298.61B | 426.72B | 347.2B |
| EBITDA Margin % | 29.83% | 31.05% | 58.91% | 56.24% | 37.69% | 52.14% | 51.51% | 73.87% | 48.51% | 52.55% | 84.97% | 80.35% |
| EBITDA Growth % | -1.28% | -8.81% | 94.56% | 24.5% | 15.89% | 26.48% | -21.22% | 26.13% | 28.76% | 28.96% | 110.95% | - |
| D&A (Non-Cash Add-back) | 0 | 0 | 19.97B | 2.98B | 2.34B | 0 | 0 | 942M | 43.28K | 43.81K | 7.14B | 0 |
| EBIT | 305.82B | 344.41B | 346.51B | 540.24B | 307.45B | 377.7B | 336.15B | 443.37B | 267.31B | 298.61B | 397.27B | 347.2B |
| Net Interest Income | 174.53B | 173.99B | -246.11B | -218.29B | 0 | 0 | 0 | -147.09B | 0 | 0 | 0 | -113.51B |
| Interest Income | 428.78B | 426.72B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 254.25B | 252.73B | 0 | 218.29B | 0 | 0 | 0 | 147.09B | 0 | 0 | 0 | 113.51B |
| Other Income/Expense | 0 | 0 | -287.51B | -220.3B | 0 | 5.89B | -2.84B | -140.7B | 1.79B | 2.53B | -140.01B | 0 |
| Pretax Income | 305.82B | 344.41B | 346.51B | 321.96B | 307.45B | 383.59B | 333.31B | 296.29B | 269.1B | 301.14B | 279.56B | 233.69B |
| Pretax Margin % | 29.83% | 31.05% | 31.21% | 33.21% | 37.41% | 52.95% | 51.08% | 49.98% | 48.84% | 52.99% | 55.67% | 54.08% |
| Income Tax | 66.79B | 76.44B | 68.47B | 63.33B | 53.4B | 67.19B | 58.94B | 53.67B | 45.66B | 53.15B | 47.07B | 39.62B |
| Effective Tax Rate % | 21.84% | 22.19% | 19.76% | 19.67% | 17.37% | 17.52% | 17.68% | 18.11% | 16.97% | 17.65% | 16.84% | 16.95% |
| Net Income | 239.02B | 267.97B | 278.05B | 257.33B | 252.06B | 311.9B | 269.69B | 238.55B | 223.44B | 244.28B | 231.16B | 192.81B |
| Net Margin % | 23.31% | 24.16% | 25.05% | 26.54% | 30.67% | 43.05% | 41.33% | 40.24% | 40.55% | 42.99% | 46.03% | 44.62% |
| Net Income Growth % | -5.17% | -14.08% | 3.1% | 7.87% | 12.81% | 27.68% | 16.67% | 23.72% | 29.08% | 30.53% | 39.89% | - |
| Net Income (Continuing) | 239.02B | 267.97B | 278.05B | 258.63B | 254.05B | 316.4B | 274.38B | 242.62B | 223.44B | 247.99B | 232.49B | 194.08B |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 190.64M | 109.67B | 70.82B | 75.22B | 74.23B | 55.64B | 35.44B | 31.66B | 28.49B | 25.09B | 9.95B | 9.21B |
| EPS (Diluted) | 1258.46 | 1409.10 | 1457.38 | 1343.00 | 1336.99 | 1629.10 | 1409.00 | 1267.24 | 1175.94 | 1265.00 | 1207.00 | 1005.00 |
| EPS Growth % | -5.87% | -13.5% | 3.43% | 5.98% | 13.7% | 28.78% | 16.74% | 26.09% | 28.49% | 31.19% | 41.84% | - |
| EPS (Basic) | 1258.46 | 1409.10 | 1457.38 | 1348.00 | 1336.99 | 1642.17 | 1419.00 | 1277.41 | 1175.94 | 1288.00 | 1218.00 | 1014.00 |
| Diluted Shares Outstanding | 190.01M | 190.02M | 190.78M | 191.61M | 190.02M | 191.45M | 191.41M | 191.45M | 190.01M | 193.38M | 191.51M | 191.85M |
| Basic Shares Outstanding | 190.01M | 190.02M | 190.78M | 190.9M | 190.02M | 189.93M | 190.06M | 189.93M | 190.01M | 189.51M | 189.78M | 190.15M |
| Dividend Payout Ratio | - | - | - | - | - | 51.78% | 59.89% | 135.41% | - | 65.94% | 61.58% | 133.15% |