Joint Stock Company Kaspi.kz American Depository Shares
Joint Stock Company Kaspi.kz American Depository Shares is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in Almaty, KZ. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of KZT 4046 billion and a profit of KZT 1068 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 7.2 out of ten, 8 of 9 metrics filed and 1 estimated: past 7.7 out of ten, present 7.3 out of ten, future 6.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.9 out of ten. No warning events in its filings since 2023. 79th percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 8.6 out of ten. +46.2% a year over 5 filed years; profitable in 5 of 5. 86th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 6.4 out of ten. Share count shrank 0.4% a year. 55% of cash flow returned. Insiders: 0 sales, 0 purchases. 64th percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.6 out of ten. ROE 41%: 41¢ of profit per shareholder dollar. Leverage 77%: owes 77¢ per asset dollar. 56th percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 9.4 out of ten. top 6% of 101 in its family; net margin 26.4%. 94th percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.3 out of ten. CrossAssetData estimate 5.3/10, confidence 20 of 100 (family median). 50th percentile among 75 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
- Room to expand (future): 5.7 out of ten. top 43% of 99 in its family for room to expand. 57th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 8.8 out of ten. top 12% of 99 in its family for growth drivers. 88th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.3 out of ten. bottom 42% of 93 in its family for expectations against reality. 42nd percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 20-F filed 2026-03-16 for the period ended 2025-12-31 (on EDGAR). Newest filing: Form 4, 2026-10-08. Filings on record since 2023. Read from EDGAR 2026-10-12.
Who runs it
Lomtadze, Mikheil (Chairman, CEO); Didenko, Yuri (Deputy Chair (Cap. Markets)); Mironov, Pavel (Deputy Chairman, COO); Mosidze, Tengiz (Deputy Chairman, CFO); Kim, Vyacheslav (director); Prawdzik, Alina (director); Gutkowski, Szymon (director); Gardner, Douglas W (director); Nikvashvili, Zurab (director). 9 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-08.
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