← Joint Stock Co Kaspi.kz

Annual Trend FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 TTM
REVENUE $884.8b
$1.3t +43.60%
$1.9t +50.60%
$2.5t +32.33%
$4.0t +59.79%
$4.3t +5.91%
Interest revenue $422.1b $574.4b $833.5b $1.1t $1.6t —
Net fee revenue $467.5b $679.8b $988.0b $1.3t $1.6t —
Retail revenue — — $68.8b $163.1b $850.1b —
Cost of Goods and Services Sold $56.8b
$82.7b +45.61%
$166.4b +101.04%
$303.9b +82.66%
$1.2t +288.06%
$2.3t +96.50%
Gross Profit (Calculated) $828.0b
$1.2t +43.46%
$1.7t +47.08%
$2.2t +27.54%
$2.9t +28.66%
—
Research And Development Expense — $60.8b $88.7b $109.6b $208.6b $227.3b
COSTS AND OPERATING EXPENSES ($356.0b) ($550.0b) ($891.5b) ($1.2t) ($2.7t)
Interest Expense — $278.7b $478.0b $616.1b $825.8b —
Interest expenses and fees — — ($478.0b) ($616.1b) ($908.7b) —
NET INCOME BEFORE TAX $528.8b $720.6b $1.0t $1.3t $1.3t
Current Tax Expense (Income) — $131.3b $174.2b $223.4b $197.8b —
Deferred Tax Expense (Income) Recognised In Profit Or Loss — $738.0m ($962.0m) $2.1b $66.4b —
Income Tax Expense Continuing Operations — $131.7b $173.2b $225.5b $264.2b $281.2b
Income tax ($93.6b) ($131.7b) ($173.2b) ($225.5b) ($264.2b) $281.2b
NET INCOME $435.2b
$588.8b +35.30%
$848.8b +44.14%
$1.1t +24.51%
$1.1t +1.03%
$1.1t +0.26%
Basic Earnings (Loss) Per Share $2k $3,051.00 $4,431.00 $5,477.00 $5,631.00 $5,617.00
Diluted Earnings (Loss) Per Share $2k $3,016.00 $4,381.00 $5,431.00 $5,592.00 $5,579.00
Additional Financial Items
Applicable Tax Rate — $0 $0 $0 $0 —
Basic (KZT) $2k $3k $4k $5k $6k —
Depreciation And Amortisation Expense — $16.8b $25.6b $28.8b $78.3b —
Diluted (KZT) $2k $3k $4k $5k $6k —
Employee Benefits Expense — $68.5b $86.3b $104.5b $212.5b —
Expense From Share-Based Payment Transactions With Employees — $20.0b $20.9b $17.0b $15.5b —
General & administrative expenses ($23.7b) ($24.8b) ($29.5b) ($32.9b) ($78.3b) $240.9b
Non-controlling interest $3.3b $3.8b $7.4b $17.1b ($5.5b) —
Other gains/(losses) ($4.7b) $16.4b $23.2b $11.2b $18.2b —
Profit Loss Attributable To Noncontrolling Interests $3.3b $3.8b $7.4b $17.1b ($5.5b) —
Profit Loss Attributable To Owners Of Parent $431.9b $585.0b $841.4b $1.0t $1.1t —
Profit Loss Before Tax $528.8b $720.6b $1.0t $1.3t $1.3t —
Provision expenses ($34.4b) ($55.2b) ($79.6b) ($114.0b) ($161.7b) —
Sales & marketing ($8.7b) ($25.6b) ($21.9b) ($44.0b) ($146.2b) —
Shareholders of the Company $431.9b $585.0b $841.4b $1.0t $1.1t —
Technology & product development ($44.4b) ($60.8b) ($88.7b) ($109.6b) ($208.6b) —
Transaction expenses ($16.5b) ($22.2b) ($27.5b) ($29.5b) ($31.6b) —

Amounts are shown in USD as reported in each fiscal year filing.

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.