Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
87.51
-1.07 (-1.21%)
May 15, 2026, 4:00 PM EDT - Market closed
KSPI Income Statement
Financials in millions KZT. Fiscal year is January - December.
Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| 4,304,850 | 4,046,070 | 2,532,160 | 1,913,490 | 1,270,590 | 884,822 | |
Revenue Growth (YoY) | 53.68% | 59.79% | 32.33% | 50.60% | 43.60% | 46.77% |
Cost of Revenue | 1,323,430 | 1,210,740 | 333,352 | 193,826 | 104,935 | 73,371 |
Gross Profit | 2,981,430 | 2,835,330 | 2,198,800 | 1,719,660 | 1,165,660 | 811,451 |
Selling, General & Admin | 242,118 | 224,483 | 76,889 | 51,359 | 50,390 | 32,387 |
Research & Development | 220,662 | 208,580 | 109,553 | 88,657 | 60,807 | 44,388 |
Other Operating Expenses | 172,000 | 161,651 | 113,957 | 79,634 | 55,210 | 34,383 |
Total Operating Expenses | 634,780 | 594,714 | 300,399 | 219,650 | 166,407 | 111,158 |
Operating Income | 2,346,650 | 2,240,620 | 1,898,410 | 1,500,010 | 999,250 | 700,293 |
Interest Expense | -993,581 | -908,698 | -616,116 | -478,010 | -278,676 | -171,491 |
Other Non-Operating Income (Expense) | 36,043 | 18,250 | 11,229 | 23,200 | 16,384 | -4,746 |
Total Non-Operating Income (Expense) | -957,538 | -890,448 | -604,887 | -454,810 | -262,292 | -176,237 |
Pretax Income | 1,346,770 | 1,331,920 | 1,282,290 | 1,022,000 | 720,574 | 528,802 |
Provision for Income Taxes | 281,202 | 264,211 | 225,455 | 173,234 | 131,730 | 93,588 |
Net Income | 1,063,120 | 1,073,180 | 1,039,740 | 841,351 | 585,026 | 431,914 |
Minority Interest in Earnings | 2,443 | -5,470 | 17,095 | 7,419 | 3,818 | 3,300 |
Net Income to Common | 1,063,120 | 1,073,180 | 1,039,740 | 841,351 | 585,026 | 431,914 |
Net Income Growth | -0.85% | 3.22% | 23.58% | 43.81% | 35.45% | 65.51% |
Shares Outstanding (Basic) | 190 | 191 | 190 | 190 | 192 | 192 |
Shares Outstanding (Diluted) | 192 | 192 | 191 | 192 | 194 | 194 |
Shares Change (YoY) | 0.17% | 0.25% | -0.33% | -0.99% | -0.18% | 0.32% |
EPS (Basic) | 5577.99 | 5631.00 | 5477.00 | 4431.00 | 3051.00 | 2247.00 |
EPS (Diluted) | 5547.31 | 5592.00 | 5431.00 | 4381.00 | 3016.00 | 2222.00 |
EPS Growth | -0.96% | 2.96% | 23.97% | 45.26% | 35.73% | 64.96% |
Shares Outstanding | 190.03 | 190.23 | 190.02 | 189.33 | 190.31 | 192.19 |
Free Cash Flow | 696,142 | 491,098 | 486,166 | 1,055,870 | 961,516 | 45,450 |
Free Cash Flow Growth | 41.75% | 1.01% | -53.96% | 9.81% | 2015.55% | -92.42% |
Free Cash Flow Per Share | 3630.34 | 2559.13 | 2539.65 | 5497.54 | 4956.49 | 233.87 |
Dividends Per Share | 1700.000 | 850.000 | 2550.000 | 3200.000 | 1700.000 | 883.000 |
Dividend Growth | 100.00% | -66.67% | -20.31% | 88.23% | 92.53% | -37.06% |
Gross Margin | 69.26% | 70.08% | 86.84% | 89.87% | 91.74% | 91.71% |
Operating Margin | 54.51% | 55.38% | 74.97% | 78.39% | 78.64% | 79.15% |
Profit Margin | 24.75% | 26.39% | 41.74% | 44.36% | 46.34% | 49.19% |
FCF Margin | 16.17% | 12.14% | 19.20% | 55.18% | 75.67% | 5.14% |
EBITDA | 2,346,650 | 2,240,620 | 1,898,410 | 1,500,010 | 999,250 | 700,293 |
EBIT | 2,346,650 | 2,240,620 | 1,898,410 | 1,500,010 | 999,250 | 700,293 |
EBIT Margin | 54.51% | 55.38% | 74.97% | 78.39% | 78.64% | 79.15% |
Effective Tax Rate | 20.88% | 19.84% | 17.58% | 16.95% | 18.28% | 17.70% |
Updated May 14, 2026. Data Source: Fiscal.ai. Standard template. Financial Sources.