Payments: Total payment volume (TPV) grew 14% year over year in the fourth quarter and 19% for full-year 2025, in line with prior guidance of around 20%. Transaction volumes rose 12% in Q4 and 14% for the year. Ferguson said take rate dilution continued as lower take-rate products such as Kaspi Pay and Kaspi B2B grew in mix, resulting in revenue growth of 7% in Q4 and 12% for the year. Net income grew 4% in Q4 and 13% for full-year 2025, with Q4 impacted in part by costs tied to the Alaqan launch and scalin ...

Kaspi.kz (NasdaqGS:KSPI) Q4 2025 Earnings call March 02, 2026 08:00 AM ET Company ParticipantsDavid Ferguson - Head of Investor RelationsLuke Holbrook - VP of Internet Equity ResearchMikhail Lomtadze - Chairman and CEOConference Call ParticipantsGabor Kemeny - Senior Equity Research AnalystJames Friedman - Senior Equity Research AnalystDavid FergusonGood morning, good afternoon to everyone on the call. Welcome to Kaspi's fourth quarter and full year 2025 financial results. I'm David Ferguson from Kaspi. As ...

Kaspi.kz (NasdaqGS:KSPI) Q4 2025 Earnings call March 02, 2026 08:00 AM ET Company ParticipantsDavid Ferguson - Head of Investor RelationsLuke Holbrook - VP of Internet Equity ResearchMikhail Lomtadze - Chairman and CEOConference Call ParticipantsGabor Kemeny - Senior Equity Research AnalystJames Friedman - Senior Equity Research AnalystDavid FergusonGood morning, good afternoon to everyone on the call. Welcome to Kaspi's fourth quarter and full year 2025 financial results. I'm David Ferguson from Kaspi. As ...

Kaspi.kz (NasdaqGS:KSPI) Q4 2025 Earnings call March 02, 2026 08:00 AM ET Speaker0Presentation. Please go ahead. All right, thank you, Harry. Good morning, good afternoon to everyone on the call. Welcome to Kaspi's fourth quarter and full year 2025 financial results. I'm David Ferguson from Kaspi. As usual, I'm joined by Mikhail Lomtadze, CEO and co-founder of Kaspi, Tengiz Mosidze, and Yuriy Didenko, the deputy CEOs of the company. We'll take you through the strategic highlights and financial results for t ...

4Q & FY 2025 Results 2 March, 2026 1 Disclaimer-Forward-Looking Statements, Key Financial and Operating Metrics and Non-IFRS Measures Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the U.S. federal securities laws, which statements relate to our current expectations and views of future events. In some cases, these forward-looking statements can be identified by words or phrases such as "believe," "may," "might," "will," "expec ...

ALMATY, Kazakhstan, March 02, 2026 (GLOBE NEWSWIRE) -- Joint Stock Company Kaspi.kz (“Kaspi.kz”, “we”) (Nasdaq:KSPI) today published its unaudited consolidated IFRS financial results for the quarter and fiscal year ended 31 December 2025 (“4Q & FY 2025” respectively). Letter from Mikhail Lomtadze: Two topics have dominated my conversations with investors over the last year: our progress in Türkiye and our approach to dividends. I want to address these and the other questions we hear most often, so that you ...

Core Insights - Sezzle Inc. (SEZL) is set to release its fourth-quarter 2025 results on February 25, after market close, with a strong earnings surprise history, averaging 70.4% over the last four quarters [1]. Group 1: Revenue Expectations - The Zacks Consensus Estimate for Sezzle's revenue is $128.3 million, indicating a 30.6% increase compared to the same quarter last year, driven by enhanced product experience and increased consumer engagement [2][9]. Group 2: Product Developments - The introduction of the Earn tab at the end of Q2 2025 is expected to have increased customer visits, while Sezzle Arcade and MoneyIQ are aimed at product diversification, enhancing consumer value [3]. - An AI shopping assistant is planned to be integrated into Sezzle's ecosystem, which is anticipated to improve customer support and save time for users [3]. Group 3: Consumer Engagement Strategies - Sezzle's strategy to offer coupons, discounts, and price comparisons is likely to enhance the app's value and attract more customers [4]. - The consensus estimate for earnings per share (EPS) is 96 cents, reflecting a 31.5% year-over-year increase, supported by strong margins and cost discipline [4][9]. Group 4: Earnings Prediction Model - Current analysis indicates that Sezzle does not have a conclusive prediction for an earnings beat, with an Earnings ESP of -6.25% and a Zacks Rank of 4 (Sell) [5].

Core Insights - Zeta Global (ZETA) is set to release its fourth-quarter 2025 results on February 24, with expectations of revenue growth and earnings performance [1][11] Revenue Expectations - The Zacks Consensus Estimate for ZETA's revenue is $380.5 million, reflecting a 20.9% increase compared to the same quarter last year [2][11] Factors Driving Growth - Zeta Global's leadership in AI-powered marketing, particularly through its Athena platform, is anticipated to significantly contribute to revenue growth by enhancing ROI and increasing platform spending [3][11] - The OneZeta initiative is expected to be a crucial growth engine, aiding in customer acquisition and boosting average revenue per user (ARPU) through cross-selling efforts with LiveIntent [4][11] Earnings Performance - The consensus estimate for earnings per share (EPS) is 23 cents, indicating a 15% year-over-year increase, supported by strong margins [4][11] - ZETA currently has an Earnings ESP of 0.00% and a Zacks Rank of 3, suggesting that the model does not predict an earnings beat this time [5][6]

Core Viewpoint - Joint Stock Company Kaspi.kz (NASDAQ:KSPI) is recognized as a profitable software stock, with mixed market sentiment among analysts and varying price targets from different financial institutions [1][3]. Group 1: Analyst Ratings and Price Targets - Susquehanna has reduced its price target for Kaspi.kz from $130 to $87, downgrading the stock from Positive to Neutral, indicating a potential upside of nearly 17% [1]. - Citi maintains a positive outlook, reaffirming a Buy rating with a price target of $100 [1]. - The median 1-year price target among analysts is $89.63, suggesting a potential upside of 20.36% [3]. Group 2: Financial Performance and Future Outlook - In its third-quarter earnings report, Kaspi.kz emphasized a commitment to balancing investments and returning cash to shareholders by 2026, with 2025 designated as an "investment year" for future growth [2]. - The company is set to disclose its financial report on March 2, 2026, for the quarter and year ending December 31, 2025 [3]. Group 3: Company Overview - Kaspi.kz, headquartered in Almaty, Kazakhstan, provides payments, marketplace, and fintech solutions for consumers and merchants, and is involved in banking, real estate, and payment processing [4].

Core Insights - Verisk (VRSK) is set to release its fourth-quarter fiscal 2025 results on February 18, with expectations of surpassing earnings estimates based on past performance [1][11] Revenue Expectations - The Zacks Consensus Estimate for VRSK's revenues is $771.4 million, reflecting a year-over-year increase of 4.9% [2] - Revenue growth is attributed to the Reimagine program's effective pricing strategies across all client tiers, along with subscription growth in Extreme Event Solutions and strong price realization in the anti-fraud business [3][11] - The underwriting segment is expected to generate revenues of $541.1 million, up 5.7% year-over-year, while the claims segment is projected to bring in $230.2 million, indicating a 2.8% increase from the previous year [4] Geographic Revenue Breakdown - U.S. revenues are estimated at $633.2 million, a 4.3% increase from the prior year [5] - U.K. revenues are projected to reach $62.3 million, representing a 7.1% year-over-year rise [5] - Revenues from other countries are expected to be $75.4 million, suggesting a growth of 7.5% year-over-year [5] Earnings Per Share (EPS) Projections - The consensus estimate for EPS is $1.58, which indicates a decline of 1.9% compared to the same quarter last year, primarily due to increased depreciation, interest expenses, and a higher tax rate [6][11] Earnings Prediction Model - Current analysis indicates that VRSK does not have a strong likelihood of beating earnings estimates this quarter, with an Earnings ESP of -1.27% and a Zacks Rank of 3 (Hold) [7]