Kaspi.kz is Kazakhstan’s dominant digital ecosystem, combining online payments, consumer and merchant banking, and a large e-commerce marketplace in one super-app. Millions of users rely on it for everyday transactions, shopping, and financial services, while merchants use its payments and marketplace tools. High engagement and a tightly integrated product stack give it a central role in the country’s digital economy. The business model blends transaction fees, interest income, and marketplace economics.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q2 2025 | 969,512 | — | 257,327 | 3.9% |
| Q3 2025 | 1,098,762 | — | 279,418 | -10.8% |
| Q4 2025 | 1,143,502 | — | 284,376 | -14.8% |
| Q1 2026 | 1,055,825 | — | 249,394 | -3.8% |
| Q2 2026 | 1,104,031 | 13.9% | 256,733 | -0.2% |
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