Joint Stock Company Kaspi.kz (KSPI) Earnings History
Elite Compounder7 years of earnings data (2019–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Joint Stock Company Kaspi.kz (KSPI) Earnings Overview
As of June 29, 2026, Joint Stock Company Kaspi.kz (KSPI) reported trailing twelve-month net income of $1.04T, reflecting +0.6% year-over-year growth. The company earned $5485.76 per diluted share over the past four quarters, with a net profit margin of 26.4%.
Looking at the long-term picture, KSPI's 5-year EPS compound annual growth rate (CAGR) stands at +32.3%, indicating exceptional earnings growth. The company achieved its highest annual net income of $1.04T in fiscal 2024.
Joint Stock Company Kaspi.kz maintains industry-leading profitability with a gross margin of 73.5%, operating margin of 32.9%, and net margin of 26.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SE ($1.59B net income, 6.9% margin), MELI ($1.92B net income, 6.9% margin), GRAB ($379M net income, 8.0% margin), KSPI has outperformed on profitability metrics. Compare KSPI vs SE →
KSPI Earnings vs Peers
Earnings metrics vs comparable public companies
KSPI Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $1.04T | -0.1% | $1.30T | $5464.06 | 26.4% | 32.9% |
| 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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KSPI — Frequently Asked Questions
Quick answers to the most common questions about buying KSPI stock.
What is KSPI earnings per share (EPS)?
KSPI trailing twelve-month (TTM) diluted EPS is $5485.76, reflecting +0.6% year-over-year growth. The 5-year EPS CAGR is +32.3%. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is Joint Stock Company Kaspi.kz's net income?
Joint Stock Company Kaspi.kz (KSPI) trailing twelve-month net income is $1.0T as of 2025. Earnings grew +0.6% year-over-year. Joint Stock Company Kaspi.kz has been profitable for 7 consecutive years.
Is KSPI profitable?
Yes, KSPI is profitable with a TTM net income of $1.0T and a net profit margin of +26.4%. Joint Stock Company Kaspi.kz has generated profits for 7 consecutive years.
What is KSPI's earnings growth rate?
KSPI compound annual EPS growth rates (CAGR): 1-Year: +0.6%, 3-Year: +21.9%, 5-Year: +32.3%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are KSPI's profit margins?
Joint Stock Company Kaspi.kz net profit margin is +26.4%, operating margin is +32.9%, and gross margin is +73.5%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +49.8%.
Is KSPI growing earnings?
KSPI earnings growth is slowing. Current YoY EPS growth of +0.6% trails the 5-year CAGR of +32.3%. TTM net income is $1.0T.
What was KSPI's best earnings year?
Joint Stock Company Kaspi.kz's highest annual net income on record is $1.0T, achieved in fiscal year 2024. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were KSPI's earnings last quarter?
KSPI's most recent reported quarter was Q1 2026. Net income was $239.0B with diluted EPS of $1258.46. For a full breakdown of all quarters, see the quarterly earnings table on this page.