Kaspi.kz COO reports 1,806,379 ADS holdings

Joint Stock Co Kaspi.kz executive Pavel Mironov, who serves as Deputy Chairman and COO, has filed a Form 3 reporting his beneficial ownership position in the company.

Accepted by SEC EDGAR 03/18/2026 - 05:28 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Joint Stock Co Kaspi.kz executive Pavel Mironov, who serves as Deputy Chairman and COO, has filed a Form 3 reporting his beneficial ownership position in the company. He reports direct ownership of 1,806,379 American Depositary Shares, each representing one common share of Kaspi.kz.

Insider Trade Summary

Holdings reported, no transactions

Holdings

Insider Mironov Pavel

Role Deputy Chairman, COO

Type	Security	Shares	Price	Value
Holding	American Depositary Shares, no par value	--	--	--

Holdings: American Depositary Shares, no par value — 1,806,379 contracts (Direct)

Footnotes (1)

1. F1. Each American Depositary Share represents one common share of the issuer.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does Pavel Mironov’s Form 3 for KSPI report?

The Form 3 reports Pavel Mironov’s existing ownership in Kaspi.kz. It shows his beneficial holding of American Depositary Shares rather than a new transaction, establishing his baseline stake as a reporting insider at the company.

How many Kaspi.kz (KSPI) ADSs does Pavel Mironov own?

Pavel Mironov reports direct ownership of 1,806,379 American Depositary Shares. This figure represents his beneficial stake in Kaspi.kz as disclosed in the Form 3, providing investors with visibility into his current equity interest in the company.

What is Pavel Mironov’s role at Joint Stock Co Kaspi.kz (KSPI)?

Pavel Mironov serves as Deputy Chairman and Chief Operating Officer of Kaspi.kz. His senior executive position makes him a reporting insider, which is why his shareholdings in the company are disclosed through this Form 3 filing.

What does each Kaspi.kz (KSPI) American Depositary Share represent?

Each American Depositary Share represents one common share of Kaspi.kz. This 1:1 relationship is specified in the filing’s footnote, meaning the 1,806,379 ADSs correspond to the same number of underlying common shares of the issuer.

Does this Kaspi.kz (KSPI) Form 3 show recent insider buying or selling?

No, this Form 3 does not show recent buying or selling activity. It records Pavel Mironov’s existing direct ownership of American Depositary Shares, serving as an initial statement of beneficial ownership rather than documenting new market transactions.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
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hours per response:			0.5

1. Name and Address of Reporting Person^*

Mironov Pavel

(Last) (First) (Middle)

154A NAURYZBAI BATYR STREET

(Street)

ALMATY 050013

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/18/2026

3. Issuer Name and Ticker or Trading Symbol
Joint Stock Co Kaspi.kz [ KSPI ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Deputy Chairman, COO

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
American Depositary Shares, no par value	(1)	(1)	Common shares, no par value	1,806,379	(1)	D

Explanation of Responses:

1. Each American Depositary Share represents one common share of the issuer.

Remarks:

Due to the issuer's status as a foreign private issuer pursuant to Rule 3a12-3(b) under the Securities Exchange Act of 1934 (the "Act"), the reporting person's transactions in the issuer's equity securities are exempt from Sections 16(b) and 16(c) of the Act. Exhibit 24 - Power of Attorney

	/s/ Yuri Didenko as attorney-in-fact for Pavel Mironov	03/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)