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Joint Stock Company Kaspi.kz (KASE:KSPI)
Kazakhstan flag Kazakhstan · Delayed Price · Currency is KZT
41,610
-1,090 (-2.55%)
At close: Nov 6, 2026

Revenue

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Payments Revenue
677.21B658.73B587.10B
Marketplace Revenue
2.15T1.93T732.94B
Fintech Revenue
1.71T1.54T1.28T
Eliminations from Revenue
-41.68B-31.17B-15.49B
Revenue (Other)
-50.98B-55.89B-54.23B
Revenue (Total)
4.45T4.05T2.53T

Revenue by Geography

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Kazakhstan and Other Revenue
-3.07T2.59T
Türkiye Revenue
-1.03T-
Revenue (Total)
4.45T4.05T2.53T

Net Income

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Payments Segment Net Income
433.00B381.61B
Marketplace Segment Net Income
279.77B348.40B
Fintech Segment Net Income
354.93B326.83B

Key Performance Indicators

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Total Payment Volume (TPV)
47.90T44.22T37.23T
Payments Active Consumers
14.80M14.60M13.60M
Total Payment Volume (TPV) Payments Transactions
-6.72B5.89B
Payments Take Rate
-1.10%1.18%
Average Balances on Current Accounts
-981.00B938.00B
Marketplace Gross Merchandise Volume (GMV)
8.10T6.66T5.98T
Marketplace Active Consumers
20.50M8.80M8.10M
Marketplace Purchases
-316.40M233.60M
Marketplace Take Rate
-10.50%9.70%
Total Finance Volume (TFV)
-11.65T10.31T
Fintech Active Consumers (Loans)
-6.30M6.40M
Fintech Active Consumers (Deposits)
-6.20M5.70M
Average Net Loan Portfolio
-6.42T4.90T
Fintech Yield
-24.00%24.00%
Total Finance Volume (TFV) to Average Net Loan Portfolio Conversion Rate
-1.802.10
Fintech Average Savings
-6.70T5.69T
Fintech Cost of Risk
-2.20%2.10%