Income Statement Leasing Group

Stocks

LZGR

KZ1C00001593

Business Support Services

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

11/08	JSC "Leasing Group" Reports Earnings Results for the Half Year Ended June 30, 2026	CI
04/06	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	144.22Cr	185.78Cr	268.99Cr	378.74Cr	400.87Cr
Interest Expense, Total	45Cr	64Cr	120.42Cr	197.22Cr	182.16Cr
Net Interest Income	100Cr	121.9Cr	148.57Cr	181.52Cr	218.71Cr
Gain (Loss) on Sale of Loans & Receivables	-	-	-	-	-
Other Revenues, Total	12Cr	14Cr	9.63Cr	12Cr	7.57Cr
Revenues Before Provison For Loan Losses	111.33Cr	135.67Cr	158.2Cr	193.21Cr	226.28Cr
Provision For Loan Losses	-4.93Cr	-1.4Cr	-3.95Cr	-2.17Cr	30.45L
Total Revenues	116.25Cr	137.07Cr	162.15Cr	195.38Cr	225.98Cr
Salaries And Other Employee Benefits	31Cr	29Cr	25Cr	59Cr	45Cr
Cost of Services Provided, Total	7.33Cr	8.63Cr	17Cr	35Cr	22Cr
Depreciation & Amortization - (IS) - (Collected)	1.44Cr	1.5Cr	4.53Cr	8.58Cr	5.61Cr
Amortization of Goodwill and Intangible Assets - (IS)	-	-	-	-	-
Provision for Bad Debts	-	-	-	-	-
Other Operating Expenses	5.94Cr	6.26Cr	3.36Cr	-22Cr	72.6L
Total Operating Expenses	46Cr	46Cr	51Cr	80Cr	73Cr
Operating Income	71Cr	91Cr	111.63Cr	115.19Cr	152.62Cr
Currency Exchange Gains (Loss)	-48.7L	-48.31L	-45.58L	3.02Cr	11Cr
Other Non Operating Income (Expenses)	-1.66Cr	-1.46Cr	-9.85Cr	-21Cr	-47Cr
EBT, Excl. Unusual Items	68Cr	89Cr	101.33Cr	98Cr	116.56Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-3.24Cr	-8L	-69.3L	-89.25L	-
EBT, Incl. Unusual Items	65Cr	89Cr	100.64Cr	97Cr	116.56Cr
Income Tax Expense	-	-	-	-	-
Earnings From Continuing Operations	65Cr	89Cr	100.64Cr	97Cr	116.56Cr
Net Income to Company	65Cr	89Cr	100.64Cr	97Cr	116.56Cr
Net Income - (IS)	65Cr	89Cr	100.64Cr	97Cr	116.56Cr
Net Income to Common Incl Extra Items	65Cr	89Cr	100.64Cr	97Cr	116.56Cr
Net Income to Common Excl. Extra Items	65Cr	89Cr	100.64Cr	97Cr	116.56Cr
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	41.31L	41.31L	413.12Cr	413.12Cr	413.12Cr
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	41.31L	41.31L	413.12Cr	413.12Cr	413.12Cr
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	43Cr	56Cr	63Cr	61Cr	73Cr

Fiscal Period: December	2021 (KZT)	2022 (KZT)	2023 (KZT)	2024 (KZT)	2025 (KZT)
Assets
Cash And Equivalents	13Cr	71Cr	246.6Cr	83Cr	67Cr
Long-Term Investments - (FS Template)	10.02L	24.52L	34.5L	30.79L	377.62Cr
Loans and Lease Receivables - (FS Template)	783.69Cr	847.95Cr	975.42Cr	1.55TCr	1.46TCr
Other Receivables	32Cr	38Cr	51Cr	31Cr	65Cr
Gross Property Plant And Equipment	-	-	81Cr	62Cr	65Cr
Accumulated Depreciation	-	-	-4.9Cr	-9.4Cr	-19Cr
Net Property Plant And Equipment	3.9Cr	5.46Cr	76Cr	53Cr	46Cr
Other Intangibles, Total	91.12L	1.23Cr	1.61Cr	2.04Cr	2.32Cr
Other Current Assets, Total	298.07Cr	372.26Cr	628.37Cr	459.69Cr	94Cr
Other Long-Term Assets, Total	48Cr	48Cr	50Cr	84Cr	45Cr
Total Assets	1.18TCr	1.38TCr	2.03TCr	2.26TCr	2.16TCr
Liabilities
Accounts Payable, Total	2.25Cr	3.5Cr	1.31Cr	7.54Cr	3.05Cr
Accrued Expenses, Total	5.05Cr	10Cr	4.45Cr	14Cr	10Cr
Short-Term Borrowings	174.84Cr	200Cr	45Cr	291.77Cr	516.93Cr
Current Portion of Long-Term Debt	88Cr	112.5Cr	187.71Cr	397.18Cr	180.56Cr
Current Portion of Leases	93.22L	1.03Cr	-	-	-
Long-Term Debt	280.98Cr	349.66Cr	961.05Cr	608.24Cr	430.78Cr
Long-Term Leases	2.05Cr	3.37Cr	-	-	-
Current Income Taxes Payable	-	-	-	-	-
Unearned Revenue, Current	1.06Cr	43.38L	68.33L	2T	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	39Cr	29Cr	56Cr	75Cr	31Cr
Other Non Current Liabilities	3.84Cr	3.84Cr	1.52Cr	-	-
Total Liabilities	598.4Cr	713.3Cr	1.26TCr	1.39TCr	1.17TCr
Common Stock, Total	413.12Cr	413.12Cr	413.12Cr	413.12Cr	413.12Cr
Additional Paid In Capital	9.87Cr	9.87Cr	9.87Cr	9.87Cr	9.87Cr
Retained Earnings	158.52Cr	247.93Cr	348.57Cr	445.26Cr	561.82Cr
Total Common Equity	581.51Cr	670.92Cr	771.56Cr	868.25Cr	984.81Cr
Total Equity	581.51Cr	670.92Cr	771.56Cr	868.25Cr	984.81Cr
Total Liabilities And Equity	1.18TCr	1.38TCr	2.03TCr	2.26TCr	2.16TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	41.31L	413.12Cr	413.12Cr	413.12Cr	413.12Cr
ECS Total Common Shares Outstanding	41.31L	413.12Cr	413.12Cr	413.12Cr	413.12Cr
Book Value / Share	1.41T	1.62	1.87	2.1	2.38
Tangible Book Value	580.6Cr	669.69Cr	769.95Cr	866.2Cr	982.49Cr
Tangible Book Value Per Share	1.41T	1.62	1.86	2.1	2.38
Total Debt	546.72Cr	666.56Cr	1.19TCr	1.3TCr	1.13TCr
Net Debt	533.58Cr	595.69Cr	947.62Cr	1.21TCr	811.41Cr
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021 (KZT)	2022 (KZT)	2023 (KZT)	2024 (KZT)	2025 (KZT)
Net Income	65Cr	89Cr	100.64Cr	97Cr	116.56Cr
Depreciation, Depletion & Amortization	1.44Cr	1.5Cr	4.53Cr	8.58Cr	5.61Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	1.44Cr	1.5Cr	4.53Cr	8.58Cr	5.61Cr
Change In Inventories	-	-	-	-	-
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-	-	-	-	-
Other Operating Activities	-301.57Cr	18Cr	-339.16Cr	-40Cr	11Cr
Cash from Operations	-234.92Cr	108.84Cr	-233.99Cr	65Cr	133.05Cr
Capital Expenditure	-1.51Cr	-1.73Cr	-78Cr	-2.13Cr	-74.82L
Sale of Property, Plant, and Equipment	-	79L	-	46L	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-119.72Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-56Cr	-142.11Cr	-39Cr	-298.91Cr	100Cr
Other Investing Activities, Total	-	-	-	-	20Cr
Cash from Investing	-58Cr	-143.05Cr	-117.12Cr	-300.58Cr	-81.16L
Short Term Debt Issued, Total	311.61Cr	200Cr	46Cr	450.61Cr	542.85Cr
Long-Term Debt Issued, Total	155.85Cr	193.12Cr	811.23Cr	116.37Cr	13Cr
Total Debt Issued	467.46Cr	393.12Cr	857.2Cr	566.98Cr	556.09Cr
Short Term Debt Repaid, Total	-135.01Cr	-200Cr	-200Cr	-244.53Cr	-298.92Cr
Long-Term Debt Repaid, Total	-70Cr	-101.1Cr	-130.08Cr	-258.15Cr	-405.86Cr
Total Debt Repaid	-205.35Cr	-301.1Cr	-330.08Cr	-502.68Cr	-704.78Cr
Other Financing Activities, Total	-	1.1Cr	-	-	-
Cash from Financing	262.11Cr	93Cr	527.11Cr	64Cr	-148.7Cr
Foreign Exchange Rate Adjustments	3L	-29.36L	-	8L	1.01Cr
Miscellaneous Cash Flow Adjustments	-4L	-89.67L	-27.24L	7.31Cr	-25.99L
Net Change in Cash	-30Cr	58Cr	175.73Cr	-164.08Cr	-16Cr
Supplemental Items
Cash Interest Paid	39Cr	32Cr	105.28Cr	182.7Cr	169.05Cr
Cash Income Tax Paid (Refund)	-	-	-	-	-
Net Debt Issued / Repaid	262.11Cr	92Cr	527.11Cr	64Cr	-148.7Cr

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	4.4T	-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	-	-	-