Where can I find KSPI's financial statements?

Joint Stock Company Kaspi.kz (KSPI)'s full income statement, balance sheet, and cash flow statement are on this page in 10-K-style line-item format. Switch between the three statements via the pill toggle above the table.

How much history is available for KSPI?

Joint Stock Company Kaspi.kz (KSPI) statements are available back to its earliest filed 10-K — typically 10+ years of annual data and 40 quarters of quarterly data. Free-tier users see 5 years and 8 quarters; full history unlocks with a Pro account.

How often does KSPI update its statements?

Joint Stock Company Kaspi.kz files a 10-K annually (full audited year-end statements) and 10-Q reports quarterly (unaudited interim statements). New filings are typically parsed and reflected on this page within 48 hours of SEC submission.

KSPI

Joint Stock Company Kaspi.kz

NASDAQ·Software, Infrastructure · Technology

$87.31$1.77−1.99%

After hours·$87.31+0.00%

Market cap$16.59B·Market closed·Jul 22 8:00 PM UTC

KZT · values shown as reported

Line item	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Trend
Revenue	KZT 885.48B+36.7%	KZT 1.27T+43.3%	KZT 1.89T+48.9%	KZT 2.52T+33.4%	KZT 3.94T+56.1%
Cost of revenue	KZT 73.37B−63.2%	KZT 103.90B+41.6%	KZT 671.84B+546.6%	KZT 949.47B+41.3%	KZT 1.04T+9.6%
Gross profit	KZT 812.11B+81.2%	KZT 1.17T+43.5%	KZT 1.22T+4.6%	KZT 1.57T+29.0%	KZT 2.89T+84.2%
Research & development	KZT 44.39B+44.0%	KZT 60.81B+37.0%	KZT 88.66B+45.8%	KZT 109.55B+23.6%	—
General & administrative	KZT 23.69B+28.7%	KZT 22.66B−4.3%	KZT 29.47B+30.0%	KZT 32.90B+11.6%	—
Selling & marketing	KZT 8.70B−80.8%	KZT 25.57B+193.8%	KZT 21.89B−14.4%	KZT 43.99B+101.0%	—
SG&A (combined)	KZT 32.39B−49.3%	KZT 48.23B+48.9%	KZT 51.36B+6.5%	KZT 76.89B+49.7%	—
Other operating expenses	—	KZT 5.76B	KZT 79.63B+1,282.3%	KZT 113.96B+43.1%	KZT 1.60T+1,302.9%
Total operating expenses	KZT 76.78B−41.1%	KZT 114.80B+49.5%	KZT 219.65B+91.3%	KZT 300.40B+36.8%	KZT 1.60T+432.2%
Operating income	KZT 735.33B+131.4%	KZT 1.05T+42.9%	KZT 998.80B−4.9%	KZT 1.27T+27.3%	KZT 1.30T+1.9%
Interest income	—	—	—	—	KZT 1.54T	—
Interest expense	—	—	—	—	KZT 883.76B	—
Other income / (expense), net	−KZT 206.53B	−KZT 329.95B−59.8%	KZT 23.20B+107.0%	KZT 11.23B−51.6%	—
Income before tax	KZT 528.80B+66.4%	KZT 720.57B+36.3%	KZT 1.02T+41.8%	KZT 1.28T+25.5%	KZT 1.30T+1.0%
Income tax expense	KZT 93.59B+71.8%	KZT 131.73B+40.8%	KZT 173.23B+31.5%	KZT 225.46B+30.1%	KZT 256.96B+14.0%
Net income	KZT 431.91B+65.5%	KZT 585.03B+35.4%	KZT 841.35B+43.8%	KZT 1.04T+23.6%	KZT 1.04T−0.1%

EPS (basic)	KZT 2,247.00+65.1%	KZT 3,051.00+35.8%	KZT 4,431.43+45.2%	KZT 5,474.35+23.5%	KZT 5,464.06−0.2%
EPS (diluted)	KZT 2,222.00+65.0%	KZT 3,016.00+35.7%	KZT 4,380.61+45.2%	KZT 5,430.77+24.0%	KZT 5,464.06+0.6%
Weighted avg shares (basic)	192,218,069	191,725,280	189,859,971	189,929,000	190,016,000
Weighted avg shares (diluted)	194,380,738	193,991,446	192,062,409	191,453,000	190,016,000

Depreciation & amortization	KZT 12.68B+523.0%	KZT 16.79B+32.5%	—	—	—
EBITDA	KZT 713.63B+118.9%	KZT 1.02T+42.3%	KZT 1.02T+0.7%	KZT 1.28T+25.5%	KZT 2.18T+69.9%

Frequently Asked Questions About KSPI

Where can I find KSPI's financial statements?: Joint Stock Company Kaspi.kz (KSPI)'s full income statement, balance sheet, and cash flow statement are on this page in 10-K-style line-item format. Switch between the three statements via the pill toggle above the table.
How much history is available for KSPI?: Joint Stock Company Kaspi.kz (KSPI) statements are available back to its earliest filed 10-K — typically 10+ years of annual data and 40 quarters of quarterly data. Free-tier users see 5 years and 8 quarters; full history unlocks with a Pro account.
How often does KSPI update its statements?: Joint Stock Company Kaspi.kz files a 10-K annually (full audited year-end statements) and 10-Q reports quarterly (unaudited interim statements). New filings are typically parsed and reflected on this page within 48 hours of SEC submission.

Line item

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Trend

Revenue

KZT 885.48B+36.7%

KZT 1.27T+43.3%

KZT 1.89T+48.9%

KZT 2.52T+33.4%

KZT 3.94T+56.1%

Cost of revenue

KZT 73.37B−63.2%

KZT 103.90B+41.6%

KZT 671.84B+546.6%

KZT 949.47B+41.3%

KZT 1.04T+9.6%

Gross profit

KZT 812.11B+81.2%

KZT 1.17T+43.5%

KZT 1.22T+4.6%

KZT 1.57T+29.0%

KZT 2.89T+84.2%

Research & development

KZT 44.39B+44.0%

KZT 60.81B+37.0%

KZT 88.66B+45.8%

KZT 109.55B+23.6%

—

General & administrative

KZT 23.69B+28.7%

KZT 22.66B−4.3%

KZT 29.47B+30.0%

KZT 32.90B+11.6%

—

Selling & marketing

KZT 8.70B−80.8%

KZT 25.57B+193.8%

KZT 21.89B−14.4%

KZT 43.99B+101.0%

—

SG&A (combined)

KZT 32.39B−49.3%

KZT 48.23B+48.9%

KZT 51.36B+6.5%

KZT 76.89B+49.7%

—

Other operating expenses

—

KZT 5.76B

KZT 79.63B+1,282.3%

KZT 113.96B+43.1%

KZT 1.60T+1,302.9%

Total operating expenses

KZT 76.78B−41.1%

KZT 114.80B+49.5%

KZT 219.65B+91.3%

KZT 300.40B+36.8%

KZT 1.60T+432.2%

Operating income

KZT 735.33B+131.4%

KZT 1.05T+42.9%

KZT 998.80B−4.9%

KZT 1.27T+27.3%

KZT 1.30T+1.9%

Interest income

—

KZT 1.54T

—

Interest expense

—

KZT 883.76B

—

Other income / (expense), net

−KZT 206.53B

−KZT 329.95B−59.8%

KZT 23.20B+107.0%

KZT 11.23B−51.6%

—

Income before tax

KZT 528.80B+66.4%

KZT 720.57B+36.3%

KZT 1.02T+41.8%

KZT 1.28T+25.5%

KZT 1.30T+1.0%

Income tax expense

KZT 93.59B+71.8%

KZT 131.73B+40.8%

KZT 173.23B+31.5%

KZT 225.46B+30.1%

KZT 256.96B+14.0%

Net income

KZT 431.91B+65.5%

KZT 585.03B+35.4%

KZT 841.35B+43.8%

KZT 1.04T+23.6%

KZT 1.04T−0.1%

EPS (basic)

KZT 2,247.00+65.1%

KZT 3,051.00+35.8%

KZT 4,431.43+45.2%

KZT 5,474.35+23.5%

KZT 5,464.06−0.2%

EPS (diluted)

KZT 2,222.00+65.0%

KZT 3,016.00+35.7%

KZT 4,380.61+45.2%

KZT 5,430.77+24.0%

KZT 5,464.06+0.6%

Weighted avg shares (basic)

192,218,069

191,725,280

189,859,971

189,929,000

190,016,000

Weighted avg shares (diluted)

194,380,738

193,991,446

192,062,409

191,453,000

190,016,000

Depreciation & amortization

KZT 12.68B+523.0%

KZT 16.79B+32.5%

—

EBITDA

KZT 713.63B+118.9%

KZT 1.02T+42.3%

KZT 1.02T+0.7%

KZT 1.28T+25.5%

KZT 2.18T+69.9%