Joint Stock Company Kaspi.kz filings document U.S. disclosure by a foreign private issuer whose American Depositary Shares trade under KSPI. Form 6-K reports furnish annual and interim consolidated financial statements, operating results, AGM notices and results, dividend resolutions, external-auditor appointments, board remuneration terms, and material capital-structure events.
The filings also incorporate selected disclosures by reference into the company’s Form S-8 registration statement and include Form 20-F annual reporting. Company-specific risk disclosure addresses the Kaspi.kz and Kaspi Pay Super App model, consumer and merchant engagement, platform network effects, technology infrastructure, merchant relationships, and the Payments, Marketplace, and Fintech Platforms.
Joint Stock Co Kaspi.kz (KSPI) director Vyacheslav Kim reported a series of open‑market or private sales of American Depositary Shares (ADSs), each representing one common share, over August 19–21, 2026. In total, he sold 90,403 ADSs at weighted‑average prices roughly between $99 and $106 per ADS. The transactions are reported as made under a Rule 10b5‑1 trading plan, and Kaspi.kz is classified as a foreign private issuer exempt from Sections 16(b) and 16(c) of the Exchange Act.
Joint Stock Co Kaspi.kz (KSPI) reported that officer Yuri Didenko, Deputy Chair (Capital Markets), sold a total of 50,000 American Depositary Shares (ADS) in open-market transactions on August 17–19, 2026. Reported per-share prices ranged from $98.33 to $99.50, and each ADS represents one common share. The transactions are indicated as made under a Rule 10b5-1 trading plan and, as the issuer is a foreign private issuer, they are exempt from certain U.S. Section 16(b) and 16(c) short-swing profit rules.
Joint Stock Co Kaspi.kz (KSPI) director Vyacheslav Kim reported open-market sales of the company’s American Depositary Shares (ADSs). Over August 14–18, 2026, he sold a total of 56,376 ADSs in seven transactions at weighted-average prices between about $96.81 and $99.68, with each ADS representing one common share. The transactions are indicated as made under a Rule 10b5-1 trading plan, and post-transaction share holdings are not reported in this filing.
Joint Stock Co Kaspi.kz (symbol KSPI) received a Rule 144 notice from affiliate FINTECH PARTNERS LTD covering a proposed sale of up to 1,200,000 ADSs through Morgan Stanley Smith Barney LLC. The ADSs have an aggregate market value of $118,860,000.00. Kaspi.kz reports 190,027,266 ADSs outstanding as of 08/18/2026. The notice also lists multiple ADS sales by FINTECH PARTNERS LTD over the prior three months, detailing trade dates, share counts, and dollar amounts.
Kaspi.kz JSC (KSPI) filed a notice of proposed sale of 300,000 American Depositary Shares (ADS), to be handled through UBS Financial Services Inc. The ADS are listed on NASDAQ, with an indicated aggregate value of $29,754,000.00 and an anticipated sale date of August 17, 2026. The ADS relate to Reg S Global Depositary Receipts (GDRs) and common shares that were converted into ADS at the time of the issuer’s IPO. The filing also lists a prior transaction in the last three months in which 1,280,774 ADS were sold for an aggregate of $113,873,792.05 by Vyacheslav Kim.
Joint Stock Company Kaspi.kz has an updated large-shareholder disclosure from Vyacheslav Kim. Kim beneficially owned 38,095,117 Common Shares (via the same number of ADSs) as of June 30, 2026, representing 20.0% of the outstanding Common Shares, based on 190,027,266 shares outstanding.
As of the filing date, Kim owns 37,486,685 Common Shares (via 37,486,685 ADSs), representing 19.7% of the outstanding Common Shares on the same 190,027,266-share base. He reports sole voting and sole dispositive power over these shares, with no shared voting or dispositive power.
Joint Stock Co Kaspi.kz director Vyacheslav Kim reported multiple open-market sales of American Depositary Shares (ADSs) over August 11–13, 2026, totaling 104,099 ADSs. The per-share sale prices reported for these transactions ranged from $94.90 to $100.33. Each ADS represents one common share of the company. The transactions are affirmed as made pursuant to a Rule 10b5-1 trading plan, and the issuer is treated as a foreign private issuer exempt from certain Exchange Act Section 16 provisions.
Joint Stock Co Kaspi.kz received an amended Schedule 13G from a group of Guernsey-based Baring/Asia Equity entities reporting their position in the company’s American depositary shares (ADSs). Asia Equity Partners Limited directly owns 7,106,927 ADSs, representing 3.7% of Kaspi.kz’s 190,027,266 common shares outstanding as of June 30, 2026. The same 7,106,927 ADSs may be deemed beneficially owned by Baring Fintech Nexus Limited, Baring Fintech Private Equity Fund III L.P.1, Baring Fintech Fund III (GP) LP and Baring Fintech Fund III Managers Limited through their control structure. Voting and investment power over these ADSs is exercised by AEPL’s board of directors, comprising Gillian Newton, Julian Timms and Holly Nielsen. The filing notes that each reporting person other than AEPL, as well as affiliates and related persons, disclaims beneficial ownership of the ADSs held by AEPL and confirms that the group now reports ownership of 5 percent or less of this class.
Joint Stock Company Kaspi.kz reported strong top-line growth for the six months ended 30 June 2026 under IAS 34. Revenue rose to KZT 2,192,782 million from KZT 1,789,352 million, driven by higher interest revenue across the Fintech and Marketplace platforms and continued expansion of payments and retail activities. Adjusted EBITDA increased to KZT 765,101 million, while net income was broadly stable at KZT 510,796 million, compared with 512,678 million a year earlier, as higher interest and operating costs and increased provision expenses partly offset revenue growth.
Total assets grew to KZT 12,057,493 million, with loans to customers of KZT 7,439,812 million and customer accounts of KZT 8,132,007 million, indicating continued expansion of the Fintech franchise. Non‑performing loans rose to a gross KZT 547,942 million, with allowance coverage of 76%. The banking subsidiary’s Basel III Tier 1 and total capital ratios were 20.8%, and the NBRK regulatory Tier 1 and total capital ratios were 14.1%, all above minimum requirements.
During the period the company declared dividends totaling KZT 323,201 million (KZT 850 per share twice) and continued its ADS buy-back program. After period-end Kaspi.kz completed the acquisition of Rabobank A.Ş., subsequently renamed Hepsi Bank A.Ş., and the board proposed an additional dividend of KZT 1,000 per share, subject to shareholder approval.