Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
90.30
-1.50 (-1.63%)
At close: Aug 7, 2026, 4:00 PM EDT
90.99
+0.69 (0.76%)
After-hours: Aug 7, 2026, 7:59 PM EDT
KSPI Financials Overview
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 |
Revenue Revenue Growth | 4,304,853 | 4,046,074 | 2,532,156 | 1,913,490 | 1,270,592 | 884,822 |
Revenue Growth | 53.68% | 59.79% | 32.33% | 50.60% | 43.60% | 46.77% |
Gross Profit Gross Profit Growth | 2,981,428 | 2,835,330 | 2,198,804 | 1,719,664 | 1,165,657 | 811,451 |
Operating Income Operating Income Growth | 2,346,648 | 2,240,616 | 1,898,405 | 1,500,014 | 999,250 | 700,293 |
Net Income Net Income Growth | 1,070,515 | 1,073,177 | 1,039,739 | 841,351 | 585,026 | 431,914 |
Earnings Per Share EPS Growth | 5582.68 | 5592.00 | 5431.00 | 4381.00 | 3016.00 | 2222.00 |
EPS Growth | -0.33% | 2.96% | 23.97% | 45.26% | 35.73% | 64.96% |
| 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 |
Payments Payments Growth | 669,549 | 658,726 | 587,097 | 478,684 | 333,343 | 217,085 |
Marketplace Marketplace Growth | 2,101,987 | 1,931,472 | 732,943 | 448,223 | 239,609 | 153,604 |
Fintech Fintech Growth | 1,629,676 | 1,542,934 | 1,281,827 | 1,026,721 | 745,023 | 566,114 |
Eliminations Eliminations Growth | -40,609 | -31,171 | -15,486 | -560 | -2,423 | - |
Revenue (Total) Revenue (Total) Growth | 4,304,853 | 4,046,074 | 2,532,156 | 1,913,490 | 1,270,592 | 884,822 |
| Fiscal Year | Current | 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 |
Cash & Investments Cash & Investments Growth | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt Total Debt Growth | 334,794 | 348,336 | 137,940 | 161,991 | 224,418 | 283,868 |
Net Cash (Debt) Net Cash Growth | -334,794 | -348,336 | -137,940 | -161,991 | -224,418 | -283,868 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -1745.93 | -1815.19 | -720.58 | -843.43 | -1156.84 | -1460.67 |
| 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 |
Operating Cash Flow Operating Cash Flow Growth | 884,788 | 673,611 | 581,892 | 1,106,128 | 1,020,984 | 70,351 |
Capital Expenditures CapEx Growth | -188,646 | -182,513 | -95,726 | -50,257 | -59,468 | -24,901 |
Free Cash Flow Free Cash Flow Growth | 696,142 | 491,098 | 486,166 | 1,055,871 | 961,516 | 45,450 |
Free Cash Flow Growth | 33.19% | 1.01% | -53.96% | 9.81% | 2015.55% | -92.42% |
| 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 |
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% |
Pretax Margin | 31.28% | 32.92% | 50.64% | 53.41% | 56.71% | 59.76% |
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% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 9, 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 |
Dividend Per Share Dividend Per Share Growth | 7.254 | 850.000 | 2550.000 | 3200.000 | 1700.000 | 883.000 |
Dividend Per Share Growth | 0% | -66.67% | -20.31% | 88.23% | 92.53% | -37.06% |
Dividend Yield | 8.03% | 0.00% | 6.85% | - | - | - |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 9, 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 |
PE Ratio | 7.71 | 7.09 | 9.15 | - | - | - |
Forward PE | 7.07 | 6.11 | 7.40 | - | - | - |
P/FCF Ratio | 11.55 | 15.36 | 19.41 | - | - | - |
PS Ratio | 1.90 | 1.86 | 3.73 | - | - | - |