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Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
74.16
-2.05 (-2.69%)
At close: Feb 5, 2026, 4:00 PM EST
74.18
+0.02 (0.03%)
After-hours: Feb 5, 2026, 7:27 PM EST

Revenue

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Payments Revenue
646.62B587.10B
Marketplace Revenue
1.59T732.94B
Fintech Revenue
1.48T1.28T
Eliminations from Revenue
-28.40B-15.49B
Revenue (Other)
-56.42B-54.23B
Revenue (Total)
3.63T2.53T

Revenue by Geography

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Kazakhstan Revenue
-2.52T
Azerbaijan Revenue
-5.08B
Ukraine Revenue
-5.57B
Revenue (Total)
3.63T2.53T

Net Income

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Payments Segment Net Income
428.44B381.61B
Marketplace Segment Net Income
327.36B348.40B
Fintech Segment Net Income
351.33B326.83B

Key Performance Indicators

Millions KZT. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19
Total Payment Volume (TPV)
42.68T37.20T
Payments Active Consumers
14.40M13.60M
Total Payment Volume (TPV) Payments Transactions
6.60B5.89B
Payments Take Rate
-1.18%
Average Balances on Current Accounts
1.00T938.00B
Marketplace Gross Merchandise Volume (GMV)
6.66T5.98T
Marketplace Active Consumers
8.60M8.10M
Marketplace Purchases
292.90M234.00M
Marketplace Take Rate
-9.70%
Total Finance Volume (TFV)
11.45T10.31T
Fintech Active Consumers (Loans)
6.30M6.40M
Fintech Active Consumers (Deposits)
6.10M5.70M
Average Net Loan Portfolio
-4.90T
Fintech Yield
-24.00%
Total Finance Volume (TFV) to Average Net Loan Portfolio Conversion Rate
-2.10
Fintech Average Savings
-5.69T
Fintech Cost of Risk
-2.10%
Updated Sep 30, 2025. Data Source: Fiscal.ai.