← Joint Stock Co Kaspi.kz

Annual Trend FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 TTM
Cash flows from operating activities:
Net Income — $585.0b
$841.4b +43.81%
$1.0t +23.58%
$1.1t +3.22%
—
Profit or Loss $588.8b $848.8b $1.1t $1.1t $1.1t —
Change In Working Capital — $382.5b $284.9b ($582.6b) ($734.1b) ($537.6b)
Change In Receivables — ($733.3b) ($1.1t) ($1.6t) ($1.7t) ($1.5t)
Change In Inventory — — $12.1b $1.8b ($6.9b) ($85.1b)
Change In Other Current Assets — ($12.4b) ($22.5b) $2.2b ($44.5b) $135.7b
Change In Other Current Liabilities — $11.7b $18.3b ($29.3b) $159.5b $73.2b
Other assets ($11.7b) ($24.8b) ($5.4b) $781.0m ($4.0b) —
Other liabilities $14.5b $14.0b $28.7b ($19.5b) $152.7b —
Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities $528.0m $221.0m $519.0m $7.0m $7.0m —
Purchase of property, equipment and intangible assets ($24.9b) ($59.5b) ($50.3b) ($95.7b) ($182.5b) —
Proceeds from issue of debt securities — — $0 $0 $326.0b —
Repayment of debt securities issued — — ($41.3b) ($48.8b) ($49.0b) ($108.1b)
Acquisitions of subsidiaries, net of cash and cash equivalent acquired ($5.1b) — ($29.1b) $0 ($552.8b) —
Net cash (outflow)/ inflow from investing activities $289.7b ($487.2b) ($218.4b) ($108.4b) ($507.8b) —
Cash flows from financing activities:
Issuance Of Debt — — $0 $0 $326.0b $0
Long Term Debt Issuance — — $0 $0 $326.0b $0
Long Term Debt Payments — $0 ($46.6b) ($48.8b) ($108.1b) ($108.1b)
Net Issuance Payments Of Debt — $0 ($46.6b) ($48.8b) $217.9b ($108.1b)
Net Long Term Debt Issuance — $0 ($46.6b) ($48.8b) $217.9b ($108.1b)
Repayment Of Debt — $0 ($46.6b) ($48.8b) ($108.1b) ($108.1b)
Repayment of subordinated debt ($10.4b) — ($5.3b) $0 ($59.1b) —
Common Stock Dividend Paid — ($210.1b) ($560.1b) ($646.1b) $0 $0
Common Stock Payments — ($63.7b) ($60.7b) ($2.9b) ($21.9b) ($50.3b)
Net Common Stock Issuance — ($63.7b) ($60.7b) ($2.9b) ($21.9b) ($50.3b)
Repurchase Of Capital Stock — ($63.7b) ($60.7b) ($2.9b) ($21.9b) ($50.3b)
Cash Dividends Paid — ($210.1b) ($560.1b) ($646.1b) $0 $0
Dividends Paid Classified As Financing Activities $210.1b $560.1b $646.1b $0 $0 $0
Net Other Financing Charges — ($2.1b) ($8.6b) ($12.1b) ($45.8b) ($45.8b)
Net cash inflow/(outflow) from financing activities ($352.6b)
($275.9b) +21.75%
($676.0b) -145.00%
($709.8b) -5.00%
$150.3b +121.17%
—
NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS $11.7b $273.3b $205.1b ($201.0b) $283.7b
Beginning Cash Position — $342.1b $615.4b $820.5b $619.5b $686.6b
CASH AND CASH EQUIVALENTS, beginning of period $342.1b $615.4b $820.5b $619.5b $903.1b —
Effect Of Exchange Rate Changes — $15.3b ($6.7b) $35.2b ($32.4b) ($37.2b)
Effect of changes in foreign exchange rate on cash and cash equivalents $4.2b $15.3b ($6.7b) $35.2b ($32.4b) —
Additional Supplementary Disclosures
Additional Supplementary Disclosures
Acquisition of non-controlling interests — — $0 $0 ($33.7b) —
Additional Financial Items
Adjustments For Current Tax Of Prior Period $315.0m $315.0m — $2.3b $2.3b —
Cash Flow From Continuing Financing Activities — ($275.9b) ($676.0b) ($709.8b) $150.3b ($256.1b)
Cash Flow From Continuing Investing Activities — ($487.2b) ($218.4b) ($108.4b) ($507.8b) ($481.0b)
Change In Account Payable — $1.2t $1.4t $1.1t $1.1t $1.3t
Change In Cash Supplemental As Reported — $273.3b $205.1b ($201.0b) $283.7b —
Change In Other Working Capital — ($10.2b) ($4.2b) ($10.2b) ($247.8b) ($264.4b)
Change In Payable — $1.1t $1.4t $1.1t $1.1t $1.3t
Changes In Cash — $257.9b $211.8b ($236.2b) $316.1b $147.7b
Cost of goods and services purchased ($56.2b)
($78.3b) -39.40%
($164.4b) -109.96%
($302.4b) -83.97%
($1.2t) -292.88%
—
Customer accounts $597.5b $1.2t $1.4t $1.0t $974.5b —
Due from banks ($5.5b) $27.3b ($4.8b) ($12.0b) ($12.7b) —
Due to banks $76.4b ($60.1b) ($27.6b) $24.3b ($8.3b) —
End Cash Position — $615.4b $820.5b $619.5b $903.1b $834.3b
Expenses paid on obligatory insurance of individual deposits ($6.7b) ($7.3b) ($10.6b) ($13.8b) ($18.8b) —
Financial assets at FVTPL ($4.3b) $12.4b ($5.0b) $3.3b ($40.5b) —
Financial liabilities at FVTPL ($585.0m) ($2.3b) $1.0b ($903.0m) $6.8b —
Financing Cash Flow — ($275.9b)
($676.0b) -145.00%
($709.8b) -5.00%
$150.3b +121.17%
($256.1b) -270.43%
Free Cash Flow — $961.5b $1.1t $486.2b $491.1b $696.1b
General & administrative expenses paid ($12.3b) ($12.7b) ($16.5b) ($23.7b) ($68.4b) —
General And Administrative Expense $24.8b $29.5b $32.9b $78.3b $78.3b —
Goodwill — — $17.4b $447.1b $447.1b —
Income Taxes Paid Refund Classified As Operating Activities $133.4b $181.8b $218.1b $260.9b ($260.9b) —
Interest Paid Classified As Operating Activities $257.0b $454.5b $597.0b $874.2b ($874.2b) —
Interest Received CFO — $512.4b $669.1b $1.0t $1.6t $1.8t
Interest received from loans to customers $334.3b $466.0b $598.0b $843.0b $1.4t —
Investing Cash Flow — ($487.2b) ($218.4b) ($108.4b) ($507.8b) ($481.0b)
Loans to customers ($1.1t) ($760.7b) ($1.1t) ($1.6t) ($1.7t) —
Mandatory cash balances with NBRK ($5.1b) ($10.2b) ($4.2b) ($10.2b) ($247.8b) —
Net Business Purchase And Sale — $0 ($29.1b) $0 ($552.8b) ($287.1b)
Net Investment Purchase And Sale — ($428.2b) ($139.3b) ($13.2b) $227.5b ($5.2b)
Net PPE Purchase And Sale — ($58.9b) ($50.0b) ($95.2b) ($182.5b) ($188.7b)
Net fee revenue received $467.3b $673.3b $1.0t $1.3t $1.6t —
Other Non Cash Items — $516.6b $788.3b $974.2b $899.4b —
Other income received $10.6b $27.0b $21.6b $10.7b $10.8b —
Other interest received $30.7b $46.4b $71.1b $162.4b $212.1b —
Payments To Acquire Or Redeem Entitys Shares $63.7b $60.7b $2.9b $21.9b $21.9b —
Proceeds on disposal of investment securities at FVTOCI $1.4t $1.1t $2.5t $633.1b $1.0t —
Purchase Of Business — $0 ($29.1b) $0 ($552.8b) ($287.1b)
Purchase Of Investment ($1.0t) ($1.5t) ($2.6t) ($646.2b) ($779.3b) ($1.1t)
Purchase Of PPE — ($59.5b) ($50.3b) ($95.7b) ($182.5b) ($188.6b)
Purchase of treasury shares — ($63.7b) ($60.7b) ($2.9b) ($21.9b) —
Retail revenue received — — $68.8b $163.1b $850.1b —
Sale Of Business $4.5b $0 $0 — — —
Sale Of Investment — $1.1t $2.5t $633.1b $1.0t $1.1t
Sale Of PPE — $528.0m $221.0m $519.0m $7.0m ($55.0m)
Sales & marketing expenses paid ($12.1b) ($24.4b) ($34.8b) ($44.0b) ($146.7b) —
Technology & product development expenses paid ($26.0b) ($38.8b) ($50.9b) ($73.8b) ($131.8b) —
Trade liabilities — — $11.4b $8.9b $115.1b —
Transaction expenses paid ($16.5b) ($22.2b) ($27.5b) ($29.5b) ($31.6b) —

Amounts are shown in USD as reported in each fiscal year filing.

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.