NASDAQ · SERVICES-BUSINESS SERVICES, NEC · LARGE CAP
Joint Stock Company Kaspi.kz KSPI
5 fiscal years on record · KZT · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
KZT 4.0T
▲ 59.8% vs FY2024
EPS · FY25
KZT 5592.00
Dividend / sh · FY25
—
Payout · FY25
0%
ROE · FY25
53.5%
Net margin · FY25
26.5%
Dividend coverage
—
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Result
KZT 4.05T
Revenue, FY2025 · full 5-year series below
Revenue
Net income
27 cents of every revenue dollar became profit this year.
Per share
KZT 5592.00
Diluted EPS, FY2025
EPS
The company pays no cash dividend.
Profitability
53.5%
Return on equity, FY2025
ROE
Operating margin—
Net margin26.5%
Return on assets11.0%
Each KZT of equity produced 54 cents of profit this year.
Returned to shareholders
KZT 21.9B
returned in FY2025 · dividends + net buybacks
Dividends paid—
Net buybacksKZT 21.9B
Share of profit2.0%
Consecutive raises—
KZT 21.9B in buybacks — 2% of the year's profit went back to shareholders.
Growth
—
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+47.1%
Net income
+22.4%
EPS, diluted
+22.9%
Returned to shareholders
−56.9%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
—
Shares outstanding, FY2025
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
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Balance sheet
KZT 11.08T
total assets, end of FY2025
Total assetsKZT 11.08T
EquityKZT 2.49T
CashKZT 903.1B
DepositsKZT 7.53T
Equity funds 22% of total assets.
History
5 fiscal years
Every figure from documents filed with the SEC · KZT
Metric
2025
2024
2023
2022
2021
Revenue KZT B
4046.1
2532.2
1913.5
1270.6
884.8
Operating income KZT B
·
·
·
·
·
EBITDA KZT B
·
·
·
·
·
Income tax KZT B
264.2
225.5
173.2
131.7
93.6
Net income KZT B
1073.2
1039.7
841.4
585.0
431.9
EPS, diluted KZT
5592.00
5431.00
4381.00
3016.00
2222.00
Dividend / sh KZT
·
·
·
·
·
Payout %
0
62
67
36
79
ROE %
53.5
80.1
88.7
71.4
·
Shares out B
·
·
·
·
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
9 of 9
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed