{"id":12056,"date":"2025-10-31T16:26:39","date_gmt":"2025-10-31T11:26:39","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/uzcard-9-oyda-foydani-41-ga-oshirib-930-mlrd-somni-tashkil-etdi\/"},"modified":"2025-10-31T16:26:39","modified_gmt":"2025-10-31T11:26:39","slug":"uzcard-9-oyda-foydani-41-ga-oshirib-930-mlrd-somni-tashkil-etdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/uzcard-9-oyda-foydani-41-ga-oshirib-930-mlrd-somni-tashkil-etdi\/","title":{"rendered":"UZCARD 9 oyda foydani 41% ga oshirib, 930 mlrd so\u2018mni tashkil etdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>UZCARD &#8211; O\u2018zbekistondagi yetakchi to\u2018lov tizimi (bozorning 70 foizi, HUMOda esa 30 foiz). Foydaning 41 foizga o\u2018sishi naqd pulsiz to\u2018lovlar, onlayn xaridlar, kartalar sonining ko\u2018payishi hisobiga ta\u2019minlandi. Davlat 2022-yilda aksiyalarning 75 foizini 25,2 million dollarga sotdi \u2014 bugungi kunda kompaniya kamida 75-100 million dollarga baholanmoqda, bu esa bitimni yangi egalar uchun juda foydali qiladi. Daromadning (+69%) foydadan (+41%) o\u2018zib ketishi rivojlanish uchun investitsiyalarni ko\u2018rsatadi.   <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>9 oylik sof foyda \u2014 930 mlrd so\u2018m (+40,8%);<\/li>\n<li>Tushum \u2014 1,5 trln (+69,2%);<\/li>\n<li>Operatsion foyda \u2014 1 trln (+59,1%);<\/li>\n<li>2022-yilda aksiyalarning 75 foizi 210,1 mlrd so\u2018mga (25,2 mln dollar) sotilgan, kompaniyaning bahosi \u2014 280 mlrd.<\/li>\n<\/ul>\n<p>9 oyda 930 mlrd foyda (yillik taxminan 1,2 trln) va to\u2018lov tizimlari uchun P\/E 10-15 standart multiplikatorida UZCARD kapitalizatsiyasi 12-18 trln so\u2018mga (1-1,5 mlrd dollar) baholanmoqda. Bu 2022-yilgi ko\u2018rsatkichdan 40-60 barobar yuqori. <\/p>\n<p><strong>O\u2018sish omillari<\/strong><\/p>\n<p><strong>Daromad o\u2018sishi (+69,2%):<\/strong><\/p>\n<ul>\n<li>Naqd pulsiz tranzaksiyalar sonini ko\u2018paytirish (onlayn xaridlar, pul o\u2018tkazmalari, xizmatlar uchun to\u2018lovlar);<\/li>\n<li>UZCARD kartalari sonining o\u2018sishi (ish haqi, pensiya, talabalar uchun);<\/li>\n<li>Ekvayring (savdo shoxobchalari, onlayn-do\u2018konlar) komissiyalari;<\/li>\n<li>Banklar va moliyaviy texnologiyalar bilan hamkorlik.<\/li>\n<\/ul>\n<p><strong>Operatsion foydaning o\u2018sishi<\/strong> (+59,1%): tushumning o\u2018sishidan past (+69,2%), bu operatsion xarajatlarning oshishini ko\u2018rsatadi: IT infratuzilmasiga investitsiyalar, marketing, terminallar tarmog\u2018ini kengaytirish.<\/p>\n<p><strong>Sof foydaning o\u2018sishi<\/strong> (+40,8%): foiz xarajatlari, soliqlar, amortizatsiya hisobiga operatsion foydadan past (+59,1%).<\/p>\n<p><strong>Raqobat<\/strong><\/p>\n<ul>\n<li><strong>UZCARD:<\/strong> 930 \u043c\u043b\u0440\u0434 \u043f\u0440\u0438\u0431\u044b\u043b\u0438 \u0437\u0430 9 \u043c\u0435\u0441\u044f\u0446\u0435\u0432, \u0434\u043e\u043c\u0438\u043d\u0438\u0440\u0443\u0435\u0442 \u0441 70% \u0440\u044b\u043d\u043a\u0430;<\/li>\n<li><strong>HUMO:<\/strong> 9 oyda 224 mlrd foyda, bozorning 30 foizi.<\/li>\n<\/ul>\n<p>UZCARD ustunlik tufayli foyda bo\u2018yicha HUMO\u2018dan 4,2 baravar oldinda: ish haqi, pensiya kartalari, davlat to\u2018lovlarining aksariyati UZCARD orqali o\u2018tadi.<\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p><strong>UZCARD<\/strong> \u2014 O\u2018zbekistonning milliy to\u2018lov tizimi bo\u2018lib, 2001-yilda Visa\/Mastercard muqobili sifatida tashkil etilgan. UZCARD kartalari bo\u2018yicha tranzaksiyalarni qayta ishlaydi, banklarga protsessing taqdim etadi. <\/p>\n<p>O\u2018zbekistonda naqd pulsiz to\u2018lovlar har yili quyidagilar hisobiga 50-70 foizga o\u2018smoqda:<\/p>\n<ul>\n<li>Onlayn xaridlarni tarqatish (e-commerce);<\/li>\n<li>Bank kartalari sonining ko\u2018payishi;<\/li>\n<li>Naqd pul mablag\u2018larini kamaytirish bo\u2018yicha davlat siyosati;<\/li>\n<li>Fintexlarni rivojlantirish (Paynet, Click, Payme).<\/li>\n<\/ul>\n<p>UZCARD kelajakda IPO o\u2018tkazishi yoki masshtablashtirish uchun strategik investorni jalb qilishi mumkin. Kompaniya kapitallashuvi 1-1,5 milliard dollarni tashkil etsa, xalqaro to\u2018lov tizimlari yoki fondlar uchun jozibador hisoblanadi. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Daromad 69,2 foizga oshib, 1,5 trillion dollarni, operatsion foyda esa 59,1 foizga oshib, 1 trillion dollarni tashkil etdi.<\/p>\n","protected":false},"author":4,"featured_media":7860,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/69050056e66f3.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":7860,"YlB8HH34jIzY":"UZCARD 9 oyda foydani 41% ga oshirib, 930 mlrd so\u2018mni tashkil etdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[760,3464,2025,2024],"class_list":["post-12056","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-finansy-uz","tag-moliyaviy-natijalar","tag-tolov-tizimlari","tag-uzcard-uz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UZCARD 9 oyda foydani 41% ga oshirib, 930 mlrd so\u2018mni tashkil etdi &#8212; 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