KSPI 2023-12-31 FY

Status: OK — incomplete — unset metrics listed below; Currency: KZT; Amounts unit: millions; Forms: ✓ ✓ ✓

To recalculate statement detection and previews from the PDF, use this link The default link runs in the background: a status panel shows phase, elapsed time, rough ETA, CUDA vs CPU, and OOM hints, then loads the finished report. Heavy mode with refresh does this automatically so reverse proxies do not return 502. Add &sync=1 only for one long blocking request (not recommended). You can use ?refresh=1, ?recalc=1, ?nocache=1, or ?recompute=1 on the URL. (block in the browser until done: synchronous refresh)

Default view is fast (metric table + statement page numbers only) so reverse proxies do not time out. Use ?heavy=1 when you need embedded page images and Camelot tables.

Metric mapping (value → extracted evidence)

Metric values use dashboard units where applicable; evidence is the stored snippet from the PDF text layer or OCR used during extraction.

Metric	Value	Evidence / page extract
Revenue	1 913 490	Row: revenue (mln KZT, batch apply) · dashboard=1,913,490.000 mln — [DeepSeek] revenue (mln KZT, batch apply)
Operating profit	998 804	Row: yfinance blank-backfill (annual; rev-calibrated) · dashboard=998,804.000 mln — yfinance blank-backfill (annual; rev-calibrated)
D&A	25 554	Row: da (mln KZT, batch apply) · dashboard=25,554.000 mln — [DeepSeek] da (mln KZT, batch apply)
EBITDA	1 024 358	Row: computed as operating_profit + da · dashboard=1,024,358.000 mln — computed as operating_profit + da
Net profit	848 770	Row: net_profit (mln KZT, batch apply) · dashboard=848,770.000 mln — [DeepSeek] net_profit (mln KZT, batch apply)
Cash	820 466	Row: cash (mln KZT, batch apply) · dashboard=820,466.000 mln — [DeepSeek] cash (mln KZT, batch apply)
Debt short	—	—
Debt long	—	—
Net debt	-795 376	Row: net_debt (mln KZT, batch apply) · dashboard=-795,376.000 mln — [DeepSeek] net_debt (mln KZT, batch apply)
Operating CF	1 106 128	Row: operating_cash_flow (mln KZT, batch apply) · dashboard=1,106,128.000 mln — [DeepSeek] operating_cash_flow (mln KZT, batch apply)
Investing CF	-218 360	Row: investing_cash_flow (mln KZT, batch apply) · dashboard=-218,360.000 mln — [DeepSeek] investing_cash_flow (mln KZT, batch apply)
Assets	6 821 932	Row: total_assets (mln KZT, batch apply) · dashboard=6,821,932.000 mln — [DeepSeek] total_assets (mln KZT, batch apply)
Equity	1 103 213	Row: total_equity (mln KZT, batch apply) · dashboard=1,103,213.000 mln — [DeepSeek] total_equity (mln KZT, batch apply)

EBITDA → net profit bridge

The finance-costs/tax line is derived as EBIT minus net profit; see the filing PDF above for the detailed split.

EBITDA	1 024 358	53.5% of revenue
− D&A	25 554
= Operating profit (EBIT)	998 804	✓ 52.2% of revenue
− Net finance costs, tax and other — derived	150 034
= Net profit	848 770	44.4% of revenue

Consistency checks · All checks passed

✓	Balance sheet identity (A = L + E)	TA (6,821,932) ≈ TL (5,743,809) + TE (1,103,213); residual -25,090 within 1%.
✓	Net debt formula	net_debt -795,376 matches \|debt_short\|+\|debt_long\|+\|other\|+\|NCI\|−\|cash\| = -820,466.
✓	EBITDA = OP + D&A	EBITDA (1,024,358) ≈ OP (998,804) + D&A (25,554) = 1,024,358.
✓	Net profit vs operating profit	Net profit (848,770) sits within a plausible band vs operating profit (998,804).
✓	Cash ≤ total assets	Cash (820,466) ≤ total assets (6,821,932).

Statement pages (discovery)

Form	Pages
P&L	9
BS	11
CF	14, 15

Below: last full statement reconstruction (PDF scans + tables + subtotal checks) cached from a ?heavy=1 run. Open heavy mode to rebuild if the PDF, discovery, or extraction changed. full previews & tables (?heavy=1).

Statement previews & reconstructed tables

Highlights Yellow row = matched stored evidence label; orange cell = exact number used for that metric (hover row for details). Revenue Operating profit D&A EBITDA Net profit cash debt_short debt_long Assets Equity Operating CF Investing CF

Green / amber / red bars on the label column mark subtotal rows where summed detail lines match the reported total (heuristic). The table under each reconstructed grid lists every check (Σ detail vs reported, status).

P&L

Metric	Value
Revenue	1 913 490
Operating profit	998 804
EBITDA	1 024 358
Net profit	848 770
D&A	25 554

P&L — PDF page 9

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 9 (28 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3	Column 4
0	Akuuohephoe ObuecTeo Kaspi.kz
1	KohconwawPobakhbim Otyet 0 nphgbinax MnM Y6bitkax
2	3a rOpbl; 3akohywblMeca 31 Aekabpa 2021, 2022 4 2023rr.
3	8 Mmanhohax KazaxcTaHCKHX Tehre_32 MCKpYeHmeM npHbbHK Ha @KLMI_KOTOpa: Bblpaxena B rehre)
4	npxme-
5	BOxOAbl	884.822	1270592	1913490
6	YMcTbiv KOMMcCHOHHbIM AOXOA	467493	679782	987
7	@pouehthble AOXOAbI	422075	574426	833516
8	Po3hhyHblM AOXOA	0	0	68807
9	npoyne AOXOAbI (YbbITKW)	-4746	16384	23200
10	CEBECTOMMOCTB M OnEPALMOHHBIE PACXOAL	-356020	-550.018	-891486
11	Opouekthble pacxonbl	-171491	-278676	-478010
12	TpahzakymohHble pacXonbl	-16542	-22188	-27470
13	CebecTOHMOCTb ToBapoB M ycyr	-56829	-82747	-166356
14	PacXoAbl Ha paapabotky npOAYKTOB M Texhonormw	-44388	-60807	88.657
15	Pacxonbl Ha nponaxh W Mapkethhr	-8702	-25618	-21891
16	Obune H anMMHMCTpathBHbie pacxonbl	-23685	-24772	-29468
17	Pacxogbl Mo coznaHwo pezepBoB_	-34.383	-55210	-79634
18	YCTAA npwbblnb AQ HAOTOOBIOXKEHMA	528.802	220574	1022.004
19	Pacxogbl nO Hajory Ha QpWGbInb	-93588	131.7301	173.234
20	4CTAA QPWEEIB	435214	588.844	848770
21	OthocqWaaCA K:
22	Akymohepam Komnahhw	431914	585026	841351
23	HeKoHIpOnwpYKQUMM AQJaM YyacTwa	3300	3818	2419
24	4MCTAA QPWELIB	435214	588844	848770
25	nph6binb Ha aklkto
26	Bazopa9 (B tehre)	2247	3051	4431
27	Pazeoatettaa (@_renre)	2222	3016	4381

Metric	Value
Cash	820 466
Debt Short	—
Debt Long	—
Assets	6 821 932
Equity	1 103 213
Net debt	-795 376

BS — PDF page 11

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 11 (36 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3
0	Akynohephoe Oguectbo Kaspi.kz
1	KohconwawPOBaHHbIM Otyet 0 @hhahcoboM nonoxkehwh
2	no COCTOAHAI Ha 31 Aekabpa 2022 4 2023 rr.
3	(8 MwhHax KazaxcTaHcKMX Tehre)
4	npwhe-
5	AKTMBbI:
6	Aehexhble cpeacTBa M MX 3kBHBanehtbl	615360	820466
7	Oba3aterbhbie pezepBbl 8 HaumohanbHom Bahke PecnybnwKh
8	Kazaxctah	42917	47110
9	CpencrBa B bahkax	25668	30683
10	Vhbecthumohhble Lehhble 6ymarn M npoh3BOAHbIe dhHaHcoBble
11	MHCTPYMeHTbl	1076272	1377772
12	Ccyabl, npenoctabnehHble Kmhehtam	3154810	4235957
13	OHOBHble cpenctBa M HeMatephanbhble akthBbl	131840	174346
14	Npoyne aKTHBbI	74780	135598
15	MTOIO AKTWBBI	5121.647	6821232
16	O6A3ATEABCTBA M KAnMTA
17	OBABATEABCTBA:
18	Cpenctba 6aHKoB	16432	154
19	Cpenctea KJMeHTOB	4000690	5441456
20	BbinyuehHble nonrOBble 4ekHble byMarm	140378	99468
21	CybopAMHwpOBaHHbM Aonr	67608	62369
22	Dpoywe oba2arenbctea	70.85	115272
23	MIOrO O6A3ATELBCTBA	4295.958	5718.719
24	KAMMTAA:
25	Bbinyuekhbm ycTaBHbIm kanmtan	130144	130144
26	Bblkynnekkble cobctBexhbie aKumw	-94058	-152001
27	AononhutenbHo onnayeHHbIM Kanxtan	506	506
28	PezepB/(neduuwr) nepeouehkw dhhakcoBbIX aKTMBOB M npoune
29	pegepbbl	-9201	9719
30	Pezep8 no BbinnataM Ha OhoBe akuwi	29274	34810
31	Hepacnpegenehhaa npugbinb	762500	1054945
32	Mtoro Kanmtal, OTHOCAWMMCA K akumohepam KomnahwM	819165	1078123
33	Hekoxgponwpyrouwe pQM Yyactwa	6524	25090
34	MTOro KAQIA	825689	1403.213
35	MtOrO OBA3ATEJECTBA M KAMMTAD	5121642	6821932

Metric	Value
Operating CF	1 106 128
Investing CF	-218 360

CF — PDF page 14

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 14 (39 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3	Column 4
0	AkynoHephoe O6uectBo Kaspi.kz
1	Kohconwawpobahhbim Otyet 0 Abwxehhw Aehexhbix cpeacTB
2	3a rOAbI; 3akohyhbuheca 31 Aeka6pa 2021, 2022 w 2023rT.
3	(8 Mwjuohax KaxaxcTaHCKMX Texre
4	Abwskehwe AehexhbiX CPEACTB OT OnEPaUMOHHOW
5	AEATEJBHOCTM:
6	npouehtbl nonyyehhble OT CCYA; npegoctabnehhbix Kmehtam	334300	465989	598
7	Mpoyve npouehtbl nonyyehhble	30747	46387	71129
8	npoueHtbl ynnayehhble	-161369	-257030	-454502
9	PacxoAbl ynnayehHble Ha Oba3atenbhoe crpaxonahhe Aeno3hTOB
10	dn3hyecKnx nML	-6688	-7251	-10622
11	YMcTbi KOMncChOHKbIM AOXOA nonyyehhbim	467320	673289	1002604
12	Pozhhykbll AOXOA nonyyehhbl	0	0	68807
13	PacXoAbl Ha npopaxh M Mapkethhr ynnayehkble	-12112	-24440	-34753
14	Npoyni AOXOA nonyyehhbil	10585	27017	21584
15	Tpah3aKuMOHHble pacXonbl	-16542	-22188	-27470
16	CebecTomMocTb npuobpetekhblx TobapoB ycnYr	-56158	-78287	-164372
17	PacXopbl Ha paapaboTKY TexHOnOrMw M npOAYKTOB ynnayehHble	-26009	-38810	-50892
18	Obue H alMHucupaTBHble pacxoubl ynnayehhble	-12345	-12749	-16.543
19	notokh Aehexkhbix cpeacte OT onepaywohhom
20	Aeatenbhocth AO HbMehehha Onepayhohhbix aKthbob m
21	obasatenbcte	551729	771927	1002975
22	Maherehhe onepalhohhbix aKTHBOB @ ogabatenbctb
23	(Yeenhyehhe)/ yMehblehhe onepalhohhbix akthbob:
24	Oba3arenbHble pezepBbl 8 HEPK	-5075	-10183	-4193
25	Cpenctea B Gahkax	-5520	27319	-4771
26	dhhahcobble akthBbl, OuehheaeMble no CCYnY	-4296	12396	-4997
27	CcyAbl, npenocrabneHHble KnhehTaM	-1057590	-760660	-1132091
28	Opoyne aKThBbl	-11663	-24788	-5407
29	Yeenwyehxe/ (YMehbwehhe) onepayhohhbix oba3atenbcte:
30	Cpepcrea 6ahKob	76430	-60057	-27590
31	CpenctBa KIMeHTOB	597542	4186731	1434259
32	@mhahcoBble Oba3atenbcTBa , OLehMBaeMble no ccYnY	-585	-2261	1019
33	Ipoyne Oba2arenbcuBa	14500	13982	28708
34	Mpwtok Rehextheix CpeAcTB OT Onepaykohhow
35	BearenbHOctH 9O Hanoroobnoxenwa	155472	1154.406	1283912
36	Hanor Ha QpuGbInL YQayehhbii	-85121	-133422	-181784
37	4McTbiM nphtok Achexhbix cpeactb OT Onepayhokhom
38	BearenbHocH	20251	1020.984	4106128

CF — PDF page 15

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 15 (35 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3	Column 4
0	Akynohephoe O6uectbo Kaspi.kz
1	KohconwAwPOBaHHbIM Otyet 06 W3Mehehwax @ Kanmtane
2	3a rOAbl; 3akohyhblheca 31 Aekabpa 2021, 2022 M 2023 rr. (npogonxkehne)
3	(8 MwuOHax KazaxctaHCKhX Tehre)
4	AbwIkehwE AEHEXKHBIX CPEACTB OT MHBECTMUMOHHOM
5	AeatenbhoctM:
6	Tpwobpetehme OCHOBHbIX cpeacTB M HeMatephanbHblx aKTMBOB	-24901	-59468	-50257
7	Mocrynnehna OT npoqaxh OCHOBHbIX cpeAcTB	383	528	221
8	Moctynnehna OT npoaaxh MHBecTHLMOHHLIX 4ehhbix 6yMar,
9	oyehmbaembix no CCYnCA	1362302	1091918	2481230
10	Mpuospetehhe whBecthuMOHHbIX Yehhbix 6yMar, OLehwbaeMbIX nO
11	ccyncn	-1047426	-1520139	-2620502
12	Ophobperehne Aoyepher komnahwn, 3a BblyetoM nonyyehhbix
13	Aehexhbix CpeAcTB	-5110	0	-29052
14	[pwtoK QehexHbx CpeICTB OT IpOaxh Aoyephei KOMnahww	4500	0
15	4wcTbim (OTTOk)/nphtok Aehexxhbix CpeACTB OT
16	Mhbecthhwohhom aeatenbhocth	289748	-487161	218.36
17	AbwbkehME Aehexkhbix CPEACTB OT CMHAHCOBOM			8
18	aeaTEJBHOCTM:
19	AwbMAeHAbI Bbinnayehhble	-340362	-210102	-560132
20	AMBMAeHAW Bbinayehhble Aoyepheh koMnahnem
21	HEKOHTPOnPYIOWMM AOJAM yyacTMa	-1847	-2137	-8574
22	BblkYn cobxtBehkbix akuwM	0	-63672	-60703
23	Norauehwe Bbinyuehhbix Aonrobblx Lekhbix 6yMar	0	0	-41261
24	norawehwe CybopauhwpoBaHHoro_Aonra	-10371	0	-5300
25	4McTEIM OTtok Aehexhbix cpeacTB OT @hhahcoboh
26	[eavenbhocw	-352.58	-275911	-675970
27	Bnmahhe M3MehehwM Kypca MHOcTpaHHow Banktbl Ha Aettexhbte
28	cpenciba M MX 3KBHBanextbf	4174	15347	-6692
29	4McTOE YBEnwYEHME Aehexkhbix CPEACTB M WX
30	3KBMBANEHTOB	11693	273259	205106
31	AehbkhBIE CPEACTBA M WX DKBMBAJEHTEL, Ha Hayano
32	nepwona_	330409	342101	615360
33	AeHBKHBIE CPEACTBA M WX 3KBMBAJEHTEL; ka Koheu
34	nepwona	342101	615360	820.466

KSPI 2023-12-31 FY — report review

Metric mapping (value → extracted evidence)

EBITDA → net profit bridge

Consistency checks · All checks passed

Statement pages (discovery)

Statement previews & reconstructed tables

P&L

BS

CF

Formulas used