Joint Stock Company Kaspi.kz (KSPI) Earnings History
Annual and quarterly earnings data from 2019 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 62.3% | 50.4% | 41.2% |
| 2023 | 64.5% | 52.8% | 44.5% |
| 2022 | 91.8% | 82.8% | 46.1% |
| 2021 | 91.7% | 83.0% | 48.8% |
| 2020 | 69.2% | 49.1% | 40.3% |
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Joint Stock Company Kaspi.kz (KSPI) Earnings Overview
As of March 1, 2026, Joint Stock Company Kaspi.kz (KSPI) reported trailing twelve-month net income of $1.10T, reflecting +0.2% year-over-year growth. The company earned $5762.11 per diluted share over the past four quarters, with a net profit margin of 0.4%.
Looking at the long-term picture, KSPI's 5-year EPS compound annual growth rate (CAGR) stands at +40.3%, indicating exceptional earnings growth. The company achieved its highest annual net income of $1.04T in fiscal 2024, representing a new all-time high.
Joint Stock Company Kaspi.kz maintains positive profitability with a gross margin of 0.6%, operating margin of 0.5%, and net margin of 0.4%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including XYZ ($1.30B net income, 0.1% margin), CPAY ($1.05B net income, 0.3% margin), AFRM ($282M net income, 0.0% margin), KSPI has outperformed on profitability metrics. Compare KSPI vs XYZ →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
6 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $1.04T | +23.6% | $1.27T | $5430.77 | 41.2% | 50.4% |
| 2023 | $841.35B | +43.8% | $998.80B | $4380.61 | 44.5% | 52.8% |
| 2022 | $585.03B | +35.4% | $1.05T | $3016.00 | 46.1% | 82.8% |
| 2021 | $431.91B | +65.5% | $735.33B | $2222.00 | 48.8% | 83.0% |
| 2020 | $260.96B | +34.7% | $317.82B | $1347.00 | 40.3% | 49.1% |
| 2019 | $193.79B | - | $239.14B | $1000.38 | 36.9% | 45.6% |
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Start ComparisonFrequently Asked Questions
Is KSPI growing earnings?
KSPI EPS of $5762.11 reflects slowing growth at +0.2%, below the 5-year CAGR of +40.3%. TTM net income is $1.1T. Expansion rate has moderated.
What are KSPI's profit margins?
Joint Stock Company Kaspi.kz net margin is +0.4%, with operating margin at +0.5%. Below-average margins reflect competitive or cost pressures.
How consistent are KSPI's earnings?
KSPI earnings data spans 2019-2024. The current earnings trend is +0.2% YoY. Historical data enables comparison across business cycles.