UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

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FORM 6-K

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

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of April 2024

Commission File Number: 001-41921

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Joint Stock Company Kaspi.kz

(Translation of registrant’s name into English)

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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 April 22, 2024, Joint Stock Company Kaspi.kz (the “Company”) issued a press release titled “Kaspi.kz 1Q 2024 Financial Results” and furnished as Exhibit 99.1 hereto. The Company also published the notice of extraordinary general meeting of shareholders of the Company, furnished as Exhibit 99.2 hereto.

The IFRS financial statement tables in Exhibit 99.1, as well as all of Exhibit 99.2, 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
April 22, 2024	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 1Q 2024 Financial Results.”
99.2	Notice of Extraordinary General Meeting of Shareholders of Kaspi.kz

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