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Kaspi.kz JSC KZT

Update

Re-runs extraction for each period with period-end year from max(2023, current year − 2) through the current year, oldest first (up to three reporting years). This can take a long time.

Kaspi.kz runs Kazakhstan’s leading e-commerce marketplace, payment platform and digital retail bank (listed as KSPI on KASE).

Sector: Banks

KSPI

Price chart

41 229.98 KZTDay -2.64%

Key metrics

Market

Price
41 229.98 KZT · -2.64%
Market cap
11278.1 bn KZT

Growth

Δ NII y/y
120.7%
Δ net profit y/y
0.0%

Multiples

P/E (LTM)
10.6x
P/B (FY)
4.3x
P/E (ann.)
11.1x

Returns

Dividend yield
ROE (annualized)
37.8%
ROI (ROE ÷ P/B)
8.7%

Liquidity

Daily turnover (KASE)
206 150

Shares: kase_book/KSPI

For periods still linked to KASE or regulatory fin-data snapshots, copies the filing URL (and title / PDF path when present) from another row for the same reporting period that already points at a non-exchange source. Writes the issuer *_raw_periods.json file. Requires admin token when the dashboard is locked.

🔍 Sanity check — subtotal consistency (Level-1 + Level-2) OK: 5 / Warn: 0 / Err: 8 / Autofix applied: 1
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-03-31 Q1Errors 1Warn 1
2023-06-30 H1Errors 1Warn 1
2023-09-30 Q3Errors 1Warn 1
2023-12-31 FYOK
2024-03-31 Q1Errors 5Warn 1
2024-06-30 H1Errors 1Warn 2
2024-09-30 Q3Errors 1Warn 1
2024-12-31 FYOK
2025-03-31 Q1OK
2025-06-30 H1OK
2025-09-30 Q3OK
2025-12-31 FYErrors 1Warn 1
2026-03-31 Q1Errors 1Warn 1Autofix 1
All checks pass · Has warnings (review) · Has errors (needs fix) · ✓* Autofix applied (see evidence)

Financial dynamics

Monetary columns are in B KZT, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.

DatePeriodStatusNet interest incomeB KZTNet profitB KZTAssetsB KZTEquityB KZTROE (annualized)Source
2026-03-31Q1 2026 (3M)OK1080.6
y/y 120.7%
254.0
y/y 0.0%
11097.7
y/y 19.4%
2775.1
y/y 55.6%
37.8%Report (PDF)
2025-12-31FY 2025 (12M)PARTIAL
y/y -73.5%
277.0
y/y -12.5%
11081.7
y/y 32.3%
2601.6
y/y 65.4%
43.2%Link
2025-09-30Q3 2025 (3M)OK848.5
y/y 27.6%
278.0
y/y 6.8%
10348.7
y/y 51.7%
2342.8
y/y 112.4%
53.9%kase_fin_data_source_link_label
2025-06-30Q2 2025 (3M)OK960.6
y/y 25.9%
258.6
y/y 10.0%
8377.1
y/y 16.9%
1572.9
y/y 27.8%
61.1%kase_fin_data_source_link_label
2025-03-31Q1 2025 (3M)OK489.7
y/y -11.4%
254.0
y/y 13.7%
9294.7
y/y 34.5%
1783.7
y/y 31.3%
60.6%kase_fin_data_source_link_label
2024-12-31FY 2024 (12M)OK730.4
y/y 28.0%
316.4
y/y 27.6%
8377.1
y/y 22.8%
1572.9
y/y 42.6%
79.0%Link
2024-09-30Q3 2024 (3M)OK649.8
y/y 34.2%
274.4
y/y 23.2%
6821.9
y/y 12.2%
1103.2
y/y 9.3%
84.6%kase_fin_data_source_link_label
2024-06-30Q2 2024 (3M)OK599.2
y/y 38.1%
242.6
y/y 26.5%
7167.9
y/y 23.0%
1231.0
y/y 33.0%
72.0%kase_fin_data_source_link_label
2024-03-31Q1 2024 (3M)OK552.8
y/y 40.0%
223.4
y/y 28.3%
6909.2
y/y 27.0%
1358.6
y/y 36.4%
72.6%kase_fin_data_source_link_label
2023-12-31FY 2023 (12M)OK570.8
y/y
248.0
y/y
6821.9
y/y
1103.2
y/y
80.4%kase_fin_data_source_link_label
2023-09-30Q3 2023 (3M)OK508.4
y/y
232.5
y/y
6079.3
y/y
1009.4
y/y
82.8%kase_fin_data_source_link_label
2023-06-30Q2 2023 (3M)OK439.3
y/y
194.1
y/y
5828.1
y/y
925.6
y/y
76.7%kase_fin_data_source_link_label
2023-03-31Q1 2023 (3M)OK395.0
y/y
174.2
y/y
5441.0
y/y
996.2
y/y
kase_fin_data_source_link_label
Data quality — review suggested

Monthly statistics (bank charter, NBK)

Bank-charter net profit from the National Bank of Kazakhstan's monthly per-bank disclosure (cumulative year-to-date, resets in January). Single-bank level — not the consolidated IFRS group (matters for Kaspi: the bank ≠ Kaspi.kz). source: NBK

PeriodNet profit (YTD)
Apr 2026 YTD147.5 bln
-15.1% y/y
↳ Apr 2026 mo36.9 bln
-18.8% y/y
Mar 2026 YTD110.6 bln
-13.8% y/y
↳ Mar 2026 mo37.8 bln
-11.8% y/y
Feb 2026 YTD72.8 bln
-14.8% y/y
↳ Feb 2026 mo31.2 bln
-20.2% y/y
Jan 2026 YTD41.6 bln
-10.2% y/y
↳ Jan 2026 mo41.6 bln
-10.2% y/y
Dec 2025 YTD571.6 bln
+7.7% y/y
↳ Dec 2025 mo52.9 bln
+6.0% y/y
Nov 2025 YTD518.7 bln
+7.8% y/y
↳ Nov 2025 mo44.7 bln
-9.2% y/y
Oct 2025 YTD474.0 bln
+9.8% y/y
↳ Oct 2025 mo51.4 bln
-3.0% y/y
Sep 2025 YTD422.6 bln
+11.6% y/y
↳ Sep 2025 mo50.2 bln
-0.4% y/y
Aug 2025 YTD372.4 bln
+13.4% y/y
↳ Aug 2025 mo53.3 bln
+14.8% y/y
Jul 2025 YTD319.1 bln
+13.2% y/y
↳ Jul 2025 mo54.0 bln
+13.9% y/y
Jun 2025 YTD265.1 bln
+13.0% y/y
↳ Jun 2025 mo48.5 bln
+19.4% y/y
May 2025 YTD216.5 bln
+11.7% y/y
↳ May 2025 mo42.8 bln
+4.7% y/y

Dividends

No dividend rows found for this issuer (checked: KASE news).

Investor reporting (IR): https://ir.kaspi.kz/financial-information/

Reporting forms detected in loaded periods: (Balance sheet / Profit or loss (P&L) / Cash flows)