NASDAQ · KSPI
Joint Stock Company Kaspi.kz American Depository Shares financials
$95.75−0.07%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 |
|---|---|---|
| Revenue | $7.97B | $4.83B |
| Gross profit | $5.65B | $4.25B |
| Gross margin | 70.9% | 88.0% |
| Operating income | $4.42B | $3.62B |
| Net income | $2.12B | $1.98B |
| Net margin | 26.5% | 41.1% |
| Diluted EPS | $11.02 | $10.36 |
| EBITDA | $4.42B | $3.62B |
| Operating cash flow | $1.33B | $1.11B |
| Free cash flow | $968.0M | $927.1M |
| Diluted shares | 191.9M | 191.4M |
Balance sheet
| Period end | Dec 31 | Dec 31 |
|---|---|---|
| Cash & equivalents | $1.78B | $1.18B |
| Short-term investments | $2.33B | $2.87B |
| Total debt | $654.7M | $216.4M |
| Total assets | $21.84B | $15.98B |
| Total liabilities | $16.71B | $12.98B |
| Shareholders' equity | $5.13B | $3.00B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology