Cash flow Leasing Group

Stocks

LZGR

KZ1C00001593

Business Support Services

End-of-day quote Kazakhstan S.E. 2026-09-03			5-day change	1st Jan Change
2.720 ^KZT	+6.25%		0.00%	+50.28%

08-10	JSC "Leasing Group" Reports Earnings Results for the Half Year Ended June 30, 2026	CI
06-04	Leasing Group Jsc Announces Board Changes, Effective June 2, 2026	CI

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Published financial data: LEASING GROUP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (KZT)	2022 (KZT)	2023 (KZT)	2024 (KZT)	2025 (KZT)
Interest and Dividend Income, Total	1.44B	1.86B	2.69B	3.79B	4.01B
Interest Expense, Total	445M	639M	1.2B	1.97B	1.82B
Net Interest Income	997M	1.22B	1.49B	1.82B	2.19B
Gain (Loss) on Sale of Loans & Receivables	-	-	-	-	-
Other Revenues, Total	116M	138M	96.28M	117M	75.69M
Revenues Before Provison For Loan Losses	1.11B	1.36B	1.58B	1.93B	2.26B
Provision For Loan Losses	-49.26M	-13.96M	-39.54M	-21.68M	3.04M
Total Revenues	1.16B	1.37B	1.62B	1.95B	2.26B
Salaries And Other Employee Benefits	309M	293M	253M	592M	455M
Cost of Services Provided, Total	73.27M	86.31M	174M	346M	215M
Depreciation & Amortization - (IS) - (Collected)	14.41M	14.98M	45.26M	85.8M	56.08M
Amortization of Goodwill and Intangible Assets - (IS)	-	-	-	-	-
Provision for Bad Debts	-	-	-	-	-
Other Operating Expenses	59.38M	62.57M	33.58M	-222M	7.26M
Total Operating Expenses	457M	456M	505M	802M	734M
Operating Income	706M	914M	1.12B	1.15B	1.53B
Currency Exchange Gains (Loss)	-4.87M	-4.83M	-4.56M	30.17M	109M
Other Non Operating Income (Expenses)	-16.59M	-14.59M	-98.47M	-206M	-469M
EBT, Excl. Unusual Items	685M	895M	1.01B	976M	1.17B
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-32.43M	-782K	-6.93M	-8.92M	-
EBT, Incl. Unusual Items	652M	894M	1.01B	967M	1.17B
Income Tax Expense	-	-	-	-	-
Earnings From Continuing Operations	652M	894M	1.01B	967M	1.17B
Net Income to Company	652M	894M	1.01B	967M	1.17B
Net Income - (IS)	652M	894M	1.01B	967M	1.17B
Net Income to Common Incl Extra Items	652M	894M	1.01B	967M	1.17B
Net Income to Common Excl. Extra Items	652M	894M	1.01B	967M	1.17B
Per Share Items
Net EPS - Basic	157.85	216.41	0.24	0.23	0.28
Basic EPS - Continuing Operations	157.85	216.41	0.24	0.23	0.28
Basic Weighted Average Shares Outstanding	4.13M	4.13M	4.13B	4.13B	4.13B
Net EPS - Diluted	157.85	216.41	0.24	0.23	0.28
Diluted EPS - Continuing Operations	157.85	216.41	0.24	0.23	0.28
Diluted Weighted Average Shares Outstanding	4.13M	4.13M	4.13B	4.13B	4.13B
Normalized Basic EPS	103.56	135.38	0.15	0.15	0.18
Normalized Diluted EPS	103.56	135.38	0.15	0.15	0.18
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	-	-
Total Current Taxes	-	-	-	-	-
Normalized Net Income	428M	559M	633M	610M	729M

Fiscal Period: December	2021 (KZT)	2022 (KZT)	2023 (KZT)	2024 (KZT)	2025 (KZT)
Assets
Cash And Equivalents	131M	709M	2.47B	825M	668M
Long-Term Investments - (FS Template)	1M	2.45M	3.45M	3.08M	3.78B
Loans and Lease Receivables - (FS Template)	7.84B	8.48B	9.75B	15.5B	14.61B
Other Receivables	324M	383M	513M	307M	646M
Gross Property Plant And Equipment	-	-	809M	620M	651M
Accumulated Depreciation	-	-	-48.99M	-94.02M	-187M
Net Property Plant And Equipment	39.03M	54.59M	760M	526M	464M
Other Intangibles, Total	9.11M	12.32M	16.11M	20.42M	23.21M
Other Current Assets, Total	2.98B	3.72B	6.28B	4.6B	944M
Other Long-Term Assets, Total	477M	479M	501M	845M	446M
Total Assets	11.8B	13.84B	20.3B	22.62B	21.58B
Liabilities
Accounts Payable, Total	22.52M	35M	13.09M	75.44M	30.53M
Accrued Expenses, Total	50.53M	102M	44.53M	142M	103M
Short-Term Borrowings	1.75B	2B	455M	2.92B	5.17B
Current Portion of Long-Term Debt	879M	1.12B	1.88B	3.97B	1.81B
Current Portion of Leases	9.32M	10.34M	-	-	-
Long-Term Debt	2.81B	3.5B	9.61B	6.08B	4.31B
Long-Term Leases	20.52M	33.69M	-	-	-
Current Income Taxes Payable	-	-	-	-	-
Unearned Revenue, Current	10.62M	4.34M	6.83M	2K	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	395M	288M	560M	751M	314M
Other Non Current Liabilities	38.38M	38.38M	15.17M	-	-
Total Liabilities	5.98B	7.13B	12.58B	13.94B	11.73B
Common Stock, Total	4.13B	4.13B	4.13B	4.13B	4.13B
Additional Paid In Capital	98.74M	98.74M	98.74M	98.74M	98.74M
Retained Earnings	1.59B	2.48B	3.49B	4.45B	5.62B
Total Common Equity	5.82B	6.71B	7.72B	8.68B	9.85B
Total Equity	5.82B	6.71B	7.72B	8.68B	9.85B
Total Liabilities And Equity	11.8B	13.84B	20.3B	22.62B	21.58B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	4.13M	4.13B	4.13B	4.13B	4.13B
ECS Total Common Shares Outstanding	4.13M	4.13B	4.13B	4.13B	4.13B
Book Value / Share	1.41K	1.62	1.87	2.1	2.38
Tangible Book Value	5.81B	6.7B	7.7B	8.66B	9.82B
Tangible Book Value Per Share	1.41K	1.62	1.86	2.1	2.38
Total Debt	5.47B	6.67B	11.94B	12.97B	11.28B
Net Debt	5.34B	5.96B	9.48B	12.15B	8.11B
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021 (KZT)	2022 (KZT)	2023 (KZT)	2024 (KZT)	2025 (KZT)
Net Income	652M	894M	1.01B	967M	1.17B
Depreciation, Depletion & Amortization	14.41M	14.98M	45.26M	85.8M	56.08M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	14.41M	14.98M	45.26M	85.8M	56.08M
Change In Inventories	-	-	-	-	-
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-	-	-	-	-
Other Operating Activities	-3.02B	179M	-3.39B	-405M	109M
Cash from Operations	-2.35B	1.09B	-2.34B	648M	1.33B
Capital Expenditure	-15.13M	-17.28M	-777M	-21.27M	-7.48M
Sale of Property, Plant, and Equipment	-	7.9M	-	4.6M	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-1.2B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-561M	-1.42B	-394M	-2.99B	995M
Other Investing Activities, Total	-	-	-	-	201M
Cash from Investing	-576M	-1.43B	-1.17B	-3.01B	-8.12M
Short Term Debt Issued, Total	3.12B	2B	460M	4.51B	5.43B
Long-Term Debt Issued, Total	1.56B	1.93B	8.11B	1.16B	132M
Total Debt Issued	4.67B	3.93B	8.57B	5.67B	5.56B
Short Term Debt Repaid, Total	-1.35B	-2B	-2B	-2.45B	-2.99B
Long-Term Debt Repaid, Total	-703M	-1.01B	-1.3B	-2.58B	-4.06B
Total Debt Repaid	-2.05B	-3.01B	-3.3B	-5.03B	-7.05B
Other Financing Activities, Total	-	11M	-	-	-
Cash from Financing	2.62B	931M	5.27B	643M	-1.49B
Foreign Exchange Rate Adjustments	335K	-2.94M	-	772K	10.1M
Miscellaneous Cash Flow Adjustments	-450K	-8.97M	-2.72M	73.12M	-2.6M
Net Change in Cash	-304M	577M	1.76B	-1.64B	-157M
Supplemental Items
Cash Interest Paid	387M	323M	1.05B	1.83B	1.69B
Cash Income Tax Paid (Refund)	-	-	-	-	-
Net Debt Issued / Repaid	2.62B	920M	5.27B	643M	-1.49B

Fiscal Period: December	2021 (KZT)	2022 (KZT)	2023 (KZT)	2024 (KZT)	2025 (KZT)
Profitability
Return on Assets	-	6.97	5.9	4.51	5.27
Return On Equity %	-	14.28	13.95	11.79	12.58
Return on Common Equity	-	14.28	13.95	11.79	12.58
Margin Analysis
Gross Profit Margin %	97.87	97.43	95.11	89.73	97.25
SG&A Margin	30.8	25.07	21.4	37.72	26.91
Income From Continuing Operations Margin %	56.09	65.23	62.06	49.49	51.58
Net Income Margin %	56.09	65.23	62.06	49.49	51.58
Net Avail. For Common Margin %	56.09	65.23	62.06	49.49	51.58
Normalized Net Income Margin	36.8	40.8	39.06	31.22	32.24
Asset Turnover
Asset Turnover	-	0.11	0.09	0.09	0.1
Short Term Liquidity
Current Ratio	3.62	3.73	6.43	2.7	2.61
Quick Ratio	2.66	2.69	4.31	2.12	2.48
Operating Cash Flow to Current Liabilities	-0.75	0.31	-0.79	0.08	0.18
Long Term Solvency
Total Debt/Equity	94.02	99.35	154.78	149.4	114.57
Total Debt / Total Capital	48.46	49.84	60.75	59.9	53.39
LT Debt/Equity	48.67	52.62	124.56	70.05	43.74
Long-Term Debt / Total Capital	25.09	26.4	48.89	28.09	20.39
Total Liabilities / Total Assets	50.72	51.53	61.99	61.62	54.36
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-	17.91	22.16	20.49	15.66
Gross Profit, 1 Yr. Growth %	-	17.38	19.34	13.68	25.36
Earnings From Cont. Operations, 1 Yr. Growth %	-	37.1	12.57	-3.92	20.56
Net Income, 1 Yr. Growth %	-	37.1	12.57	-3.92	20.56
Normalized Net Income, 1 Yr. Growth %	-	30.72	13.34	-3.7	19.45
Diluted EPS Before Extra, 1 Yr. Growth %	-	37.1	12.57	-3.92	20.56
Common Equity, 1 Yr. Growth %	-	15.37	15	12.53	13.43
Total Assets, 1 Yr. Growth %	-	17.32	46.63	11.46	-4.62
Tangible Book Value, 1 Yr. Growth %	-	15.34	14.97	12.5	13.42
Cash From Operations, 1 Yr. Growth %	-	-146.33	-314.76	-127.7	83.91
Capital Expenditures, 1 Yr. Growth %	-	14.2	4.4K	-97.26	-64.83
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-	-	18.1	21.32	18.05
Gross Profit, 2 Yr. CAGR %	-	-	16.42	16.48	19.38
Earnings From Cont. Operations, 2 Yr. CAGR %	-	-	24.23	4	7.62
Net Income, 2 Yr. CAGR %	-	-	24.23	4	7.62
Normalized Net Income, 2 Yr. CAGR %	-	-	21.67	4.47	7.25
Diluted EPS Before Extra, 2 Yr. CAGR %	-	-	-96.07	4	7.62
Common Equity, 2 Yr. CAGR %	-	-	15.19	13.76	12.98
Total Assets, 2 Yr. CAGR %	-	-	31.16	27.84	3.11
Tangible Book Value, 2 Yr. CAGR %	-	-	15.16	13.73	12.96
Cash From Operations, 2 Yr. CAGR %	-	-	-0.2	-22.87	-24.59
Capital Expenditures, 2 Yr. CAGR %	-	-	616.64	10.96	-90.19
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-	-	-	18.89	19.4
Gross Profit, 3 Yr. CAGR %	-	-	-	15.5	19.36
Earnings From Cont. Operations, 3 Yr. CAGR %	-	-	-	14.03	9.25
Net Income, 3 Yr. CAGR %	-	-	-	14.03	9.25
Normalized Net Income, 3 Yr. CAGR %	-	-	-	12.55	9.25
Diluted EPS Before Extra, 3 Yr. CAGR %	-	-	-	-88.6	9.25
Common Equity, 3 Yr. CAGR %	-	-	-	14.3	13.65
Total Assets, 3 Yr. CAGR %	-	-	-	24.23	15.95
Tangible Book Value, 3 Yr. CAGR %	-	-	-	14.27	13.63
Cash From Operations, 3 Yr. CAGR %	-	-	-	-34.9	6.89
Capital Expenditures, 3 Yr. CAGR %	-	-	-	12.03	-24.35
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	28.79	25.08	-	-	-
Gross Profit, 5 Yr. CAGR %	32.82	24.79	-	-	-
Earnings From Cont. Operations, 5 Yr. CAGR %	35.22	10.91	-	-	-
Net Income, 5 Yr. CAGR %	35.22	10.91	-	-	-
Normalized Net Income, 5 Yr. CAGR %	60.37	9.21	-	-	-
Diluted EPS Before Extra, 5 Yr. CAGR %	438.32	341.53	-	-	-
Common Equity, 5 Yr. CAGR %	11.44	11.6	-	-	-
Total Assets, 5 Yr. CAGR %	26.38	26.2	-	-	-
Tangible Book Value, 5 Yr. CAGR %	11.41	11.56	-	-	-
Cash From Operations, 5 Yr. CAGR %	61.22	62.61	-	-	-
Capital Expenditures, 5 Yr. CAGR %	91.66	2.25	-	-	-