Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
84.64
+0.26 (0.31%)
At close: Jul 3, 2025, 1:00 PM
85.21
+0.57 (0.67%)
After-hours: Jul 3, 2025, 4:26 PM EDT

Revenue by Product

Fiscal year is January - December.
Fiscal Year
FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2019
Period Ending
Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2019
Payments
587.10B
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Payments Growth
20.61%
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Marketplace
732.94B
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Marketplace Growth
77.04%
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Fintech
1,281.83B
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Fintech Growth
22.77%
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Other
-42.24B
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Other Growth
-3.84%
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Eliminations from
-15.49B
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Eliminations from Growth
-
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Other
-42.24B
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Other Growth
-3.84%
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Other
-42.24B
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Other Growth
-3.84%
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Net Income by Product

Fiscal year is January - December.
Fiscal Year
FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2019
Period Ending
Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2019
Other
-17.10B
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Other Growth
-48.11%
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Payments Segment Net Income
381.61B
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Payments Segment Net Income Growth
21.15%
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Marketplace Segment Net Income
348.40B
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Marketplace Segment Net Income Growth
11.35%
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Fintech Segment Net Income
326.83B
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Fintech Segment Net Income Growth
7.57%
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Other
-17.10B
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Other Growth
-48.11%
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Other
-17.10B
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Other Growth
-48.11%
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Revenue by Geography

Fiscal year is January - December.
Fiscal Year
FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2019
Period Ending
Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2019
Other
11.98B
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Other
11.98B
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Kazakhstan
2,521.51B
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Kazakhstan Growth
-
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Azerbaijan
5.08B
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Azerbaijan Growth
-
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Ukraine
5.57B
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Ukraine Growth
-
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Other
11.98B
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Other

Fiscal year is January - December.
Fiscal Year
FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2019
Period Ending
Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2019
Total Payment Volume (TPV)
37.20T
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Total Payment Volume (TPV) Growth
22.78%
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Payments Active Consumers
13.60M
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Payments Active Consumers Growth
6.15%
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Payments Take Rate
1.18
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Payments Take Rate Growth
-5.04%
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Marketplace Gross Merchandise Volume (GMV)
5,975.00B
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Marketplace Gross Merchandise Volume (GMV) Growth
25.00%
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Marketplace Active Consumers
8.10M
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Marketplace Active Consumers Growth
10.81%
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Marketplace Take Rate
9.70
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Marketplace Take Rate Growth
8.42%
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Total Finance Volume (TFV)
10.31T
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Total Finance Volume (TFV) Growth
13.04%
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Fintech Active Consumers (Loans)
6.40M
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Fintech Active Consumers (Loans) Growth
1.59%
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Fintech Active Consumers (Deposits)
5.70M
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Fintech Active Consumers (Deposits) Growth
16.00%
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Average Net Loan Portfolio
4,895.00B
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Average Net Loan Portfolio Growth
34.09%
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Fintech Yield
24.00
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Fintech Yield Growth
0%
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Total Finance Volume (TFV) to Average Net Loan Portfolio Conversion Rate
2.10
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Total Finance Volume (TFV) to Average Net Loan Portfolio Conversion Rate Growth
-
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Fintech Average Savings
5,688.00B
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Fintech Average Savings Growth
18.87%
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Fintech Cost of Risk
2.10
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Fintech Cost of Risk Growth
20.00%
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Total Payment Volume (TPV) Payments Transactions
5.89B
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Total Payment Volume (TPV) Payments Transactions Growth
15.38%
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Average Balances on Current Accounts
938.00B
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Average Balances on Current Accounts Growth
8.00%
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Marketplace Purchases
234.00M
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Marketplace Purchases Growth
36.57%
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