[6-K] Joint Stock Co Kaspi.kz Current Report (Foreign Issuer)

Rhea-AI Filing Summary

Kaspi.kz furnished a Form 6-K announcing it issued a press release titled “Kaspi.kz 3Q & 9M 2025 Financial Results.” The press release is attached as Exhibit 99.1.

The company states that the IFRS financial statement tables contained in Exhibit 99.1 are incorporated by reference into its registration statement on Form S-8 (File No. 333-276609).

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

________________________

FORM 6-K

________________________

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of November 2025

Commission File Number: 001-41921

_________________________

Joint Stock Company Kaspi.kz

(Translation of registrant’s name into English)

______________________

154A Nauryzbai Batyr Street

Almaty, Kazakhstan

050013

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F ☒ Form 40-F ☐

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EXPLANATORY NOTE

On November 10, 2025, Joint Stock Company Kaspi.kz (the “Company”) issued a press release titled “Kaspi.kz 3Q & 9M 2025 Financial Results” and furnished as Exhibit 99.1 hereto.

The IFRS financial statement tables in Exhibit 99.1 are incorporated by reference into the Company’s registration statement on Form S-8 (File No. 333-276609).

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	Joint Stock Company Kaspi.kz
November 10, 2025	By:	/s/ Tengiz Mosidze
		Name: Tengiz Mosidze Title: Chief Financial Officer

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EXHIBIT INDEX

The following exhibits are furnished as part of this Form 6-K:

No.		Description
99.1		Press release titled “Kaspi.kz 3Q & 9M 2025 Financial Results”

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FAQ

What did Kaspi.kz (KSPI) file?

Kaspi.kz filed a Form 6-K furnishing a press release titled “Kaspi.kz 3Q & 9M 2025 Financial Results.”

What is included as an exhibit in this 6-K for KSPI?

Exhibit 99.1, the press release titled “Kaspi.kz 3Q & 9M 2025 Financial Results.”

Does the filing include financial statements for Kaspi.kz (KSPI)?

It notes that IFRS financial statement tables are in Exhibit 99.1 and are incorporated by reference into Form S-8.

How are the IFRS tables used in relation to Kaspi.kz’s S-8?

The IFRS tables in Exhibit 99.1 are incorporated by reference into Kaspi.kz’s Form S-8 (File No. 333-276609).

When was the Kaspi.kz (KSPI) press release issued?

The press release was issued on November 10, 2025.

What periods does the Kaspi.kz press release cover?

The press release covers 3Q 2025 and 9M 2025 financial results.