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Joint Stock Co Kaspi.kz $KSPI

Information Technology

Kazakhstan
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$90.90
-2.61 (-2.79%)
As of Oct 22, 2026, 2:55 PM EDT
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Joint Stock Co Kaspi.kz (KSPI) is trading down at $90.90 (-2.79%), as of the latest quote. It operates in the Information Technology sector.

IPO: January 19, 2024 · $92.00 offering · NASDAQ · View IPO details →

Joint Stock Co Kaspi.kz revenue & net income history (FY2021–FY2025)

RevenueNet incomeNet margin (right axis, %)
KZT 4.05TKZT 2.02TKZT 0FY2021 revenue: KZT 884.8BFY2021 net income: KZT 431.9B · Net margin 48.8%'21FY2022 revenue: KZT 1.27TFY2022 net income: KZT 585.0B · Net margin 46.0%'22FY2023 revenue: KZT 1.91TFY2023 net income: KZT 841.4B · Net margin 44.0%'23FY2024 revenue: KZT 2.53TFY2024 net income: KZT 1.04T · Net margin 41.1%'24FY2025 revenue: KZT 4.05TFY2025 net income: KZT 1.07T · Net margin 26.5%'250%20%40%60%FY2021 net margin: 48.8%FY2022 net margin: 46.0%FY2023 net margin: 44.0%FY2024 net margin: 41.1%FY2025 net margin: 26.5%
Joint Stock Co Kaspi.kz annual financial statements
FY2021Dec 2021FY2022Dec 2022FY2023Dec 2023FY2024Dec 2024FY2025Dec 2025
Income statement
RevenueKZT 884.8BKZT 1.27TKZT 1.91TKZT 2.53TKZT 4.05T
Growth (year over year)—+43.6%+50.6%+32.3%+59.8%
Gross profitKZT 828.0BKZT 1.19TKZT 1.75TKZT 2.23TKZT 2.87T
Gross margin93.6%93.5%91.3%88.0%70.9%
Net incomeKZT 431.9BKZT 585.0BKZT 841.4BKZT 1.04TKZT 1.07T
Net margin48.8%46.0%44.0%41.1%26.5%
EPS (diluted)KZT 2222.00KZT 3016.00KZT 4381.00KZT 5431.00KZT 5592.00
Balance sheet
Cash and equivalentsKZT 342.1BKZT 615.4BKZT 820.5BKZT 619.5BKZT 903.1B
Total assets—KZT 5.12TKZT 6.82TKZT 8.38TKZT 11.1T
Total liabilities—KZT 4.30TKZT 5.72TKZT 6.80TKZT 8.48T
Shareholders' equityKZT 504.7BKZT 819.2BKZT 1.08TKZT 1.52TKZT 2.49T
Cash flow
Operating cash flowKZT 70.4BKZT 1.02TKZT 1.11TKZT 581.9BKZT 673.6B
Capital expenditureKZT 24.9BKZT 59.5BKZT 50.3BKZT 95.7BKZT 182.5B
Free cash flowKZT 45.5BKZT 961.5BKZT 1.06TKZT 486.2BKZT 491.1B
Dividends paidKZT 340.4BKZT 210.1BKZT 560.1BKZT 646.1BKZT 0
Share buybacks—KZT 63.7BKZT 60.7BKZT 2.85BKZT 21.9B

From Joint Stock Co Kaspi.kz's 20-F filings with the SEC; its fiscal year ends in December. Each period shows the latest figure the company has reported for it, including restatements. Net margin is our own calculation from those reported figures (net income ÷ revenue); it is left blank where revenue is zero or missing. Amounts are in Kazakhstani Tenge (KZT), as reported, not converted to dollars. Per-share figures are per ordinary share, which is not always the share traded in the US: an ADS can stand for several, or for part of one. Filings on SEC EDGAR →

About Joint Stock Co Kaspi.kz

Headquarters
Almaty, Kazakhstan From SEC filings, Oct 2026

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