Joint Stock Company Kaspi.kz (KSPI) Q3 2024 Earnings Call Transcript Summary
Joint Stock Company Kaspi.kz (KSPI) Q3 2024 Earnings Call Transcript Summary
The fintech segment also noted robust performance with an improvement in net income by 15% year-over-year due to a optimized interest rate environment and business growth.The following is a summary of the Joint Stock Company Kaspi.kz (KSPI) Q3 2024 Earnings Call Transcript:
以下是Joint Stock Company Kaspi.kz (KSPI) 2024年第三季度業績會講話摘要:
Financial Performance:
金融業績：
Kaspi.kz reported strong Q3 2024 results with 25% growth in net income and revenue growth of 28% year-over-year.
Key growth strategies across payment services resulted in a significantly higher total payment volume (TPV) growth rate, with a specific jump of 28%.
The fintech segment also noted robust performance with an improvement in net income by 15% year-over-year due to a optimized interest rate environment and business growth.
Kaspi.kz報告2024年第三季度強勁的業績，淨利潤增長25％，營業收入同比增長28％。
支付服務業務的關鍵增長戰略導致總付款量（TPV）增長率顯着提高，具體增長幅度達到28%。
由於利率環境優化和業務增長，金融科技業務部門淨利潤同比增長15％，表現強勁。
Business Progress:
業務進展：
Kaspi.kz announced the acquisition of a controlling stake in Hepsiburada, marking a crucial strategic expansion into Turkey.
The Marketplace platform saw a GMV increase of 24% year-over-year and enhanced take rates through value-added services like advertising and delivery.
New product launches aimed at improving consumer engagement included gift certificates and business deposits for merchants, showing significant adoption rates.
The e-Grocery vertical continued robust performance, particularly in three major cities with a focus on scaling efficiency and market penetration.
Kaspi.kz宣佈收購Hepsiburada控股股權，標誌着對土耳其的關鍵戰略擴張。
Marketplace平台的年銷售總額（GMV）同比增長24％，通過增值服務如廣告和送貨提高了收費標準。
旨在提高消費者參與度的新產品推出包括禮券和商戶存款，顯示出顯著的採用率。
電子雜貨業務在三個主要城市表現強勁，特別關注提高效率和市場滲透率。
Opportunities:
機會：
Expected acceleration in the revenues and business capacities of the Kaspi.kz Super App, driven by consistent innovation and customer-centric service enhancements.
Expansion into the Turkish market via Hepsiburada acquisition could potentially capitalize on an e-commerce penetration rate of 16.3%, leveraging on a large base of 85 million potential consumers and creating synergy between both markets.
Kaspi.kz Super App 的營收和業務能力預計加速增長，這源於持續創新和以客戶爲中心的服務增強。
通過Hepsiburada收購拓展到土耳其市場，有望利用16.3%的電子商務滲透率，充分發揮8500萬潛在消費者基數，在兩個市場之間創造協同效應。
Risks:
風險：
Challenges related to the integration of Hepsiburada and regulatory approvals which might impact the immediate benefits from the acquisition.
Economic and competitive pressures in the Turkish market which could influence the performance and growth post-acquisition.
與Hepsiburada整合以及監管批准相關的挑戰可能影響收購帶來的即時效益。
土耳其市場的經濟和競爭壓力可能影響收購後的業績和增長。
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：如需更全面的詳情，請參閱投資人關係網站。本文僅供投資者參考，不作任何指引或建議。
譯文內容由第三人軟體翻譯。
