Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
76.42
-0.72 (-0.93%)
At close: Dec 5, 2025, 4:00 PM EST
76.40
-0.02 (-0.03%)
After-hours: Dec 5, 2025, 7:01 PM EST
Revenue
Fiscal year is January - December.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 |
| Payments Revenue | 646.62B | 587.10B |
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| Marketplace Revenue | 1,592.70B | 732.94B |
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| Fintech Revenue | 1,475.38B | 1,281.83B |
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| Eliminations from Revenue | -28.40B | -15.49B |
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Revenue by Geography
Fiscal year is January - December.
Fiscal Year | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2019 |
|---|---|---|---|---|---|
Period Ending | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2019 |
| Kazakhstan Revenue | 2,521.51B |
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| Azerbaijan Revenue | 5.08B |
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| Ukraine Revenue | 5.57B |
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Net Income
Fiscal year is January - December.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 |
| Payments Segment Net Income | 428.44B | 381.61B |
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| Marketplace Segment Net Income | 327.36B | 348.40B |
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| Fintech Segment Net Income | 351.33B | 326.83B |
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Key Performance Indicators
Fiscal year is January - December.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 |
| Total Payment Volume (TPV) | 42.68T | 37.20T |
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| Payments Active Consumers | 14.40M | 13.60M |
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| Total Payment Volume (TPV) Payments Transactions | 6.60B | 5.89B |
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| Payments Take Rate | - | 1.18% |
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| Average Balances on Current Accounts | 1,000.00B | 938.00B |
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| Marketplace Gross Merchandise Volume (GMV) | 6,655.00B | 5,975.00B |
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| Marketplace Active Consumers | 8.60M | 8.10M |
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| Marketplace Purchases | 292.90M | 234.00M |
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| Marketplace Take Rate | - | 9.70% |
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| Total Finance Volume (TFV) | 11.45T | 10.31T |
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| Fintech Active Consumers (Loans) | 6.30M | 6.40M |
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| Fintech Active Consumers (Deposits) | 6.10M | 5.70M |
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| Average Net Loan Portfolio | - | 4,895.00B |
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| Fintech Yield | - | 24.00% |
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| Total Finance Volume (TFV) to Average Net Loan Portfolio Conversion Rate | - | 2.10 |
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| Fintech Average Savings | - | 5,688.00B |
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| Fintech Cost of Risk | - | 2.10% |
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