Kaspi.kz JSC is the payment, marketplace, and Fintech ecosystem in Kazakhstan. The firm provides interconnected technologically seamless products and services that help people to pay, shop, and manage their finances. Its operating segment includes the Payments Platform that connects its customers, which consist of both consumers and merchants, to facilitate cashless, digital transactions, the Marketplace Platform that connects merchants and consumers enabling merchants to increase their sales and consumers to buy a broad selection of products and services offered by a variety of merchants, and Fintech Platform that enables customers to manage their personal finances online and access consumer finance and deposit products through the Kaspi.kz Super App.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	9.01
Equity-to-Asset	0.18
Debt-to-Equity	0.16
Debt-to-EBITDA	0.16
Interest Coverage	9.12
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.36	Distress Grey Safe
Beneish M-Score	-1.95	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	43.3
	3-Year EBITDA Growth Rate	45.7
	3-Year EPS without NRI Growth Rate	47.2
	3-Year FCF Growth Rate	21.1
	3-Year Book Growth Rate	40.8
	Future 3-5Y EPS without NRI Growth Rate Estimate	24.9
	Future 3-5Y Total Revenue Growth Rate Estimate	17.77

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	62.85
	9-Day RSI	58.16
	14-Day RSI	54.41
	6-1 Month Momentum %	-9.99
	12-1 Month Momentum %	13.36

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.22
	Quick Ratio	1.22
	Cash Ratio	0.32
	Days Payable	2675.57

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	6.73
	Dividend Payout Ratio	0.67
	Forward Dividend Yield %	6.62
	5-Year Yield-on-Cost %	6.73
	3-Year Average Share Buyback Ratio	0.4
	Shareholder Yield %	6.61

Profitability Rank

9/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	68.85
	Operating Margin %	56.66
	Net Margin %	41.08
	FCF Margin %	27.7
	ROE %	81.73
	ROA %	14.05
	ROIC %	313.73
	3-Year ROIIC %	233.95
	ROC (Joel Greenblatt) %	784
	ROCE %	91.89
	Years of Profitability over Past 10-Year	8

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.91
	Forward PE Ratio	7.89
	PE Ratio without NRI	9.91
	Price-to-Owner-Earnings	15.97
	PEG Ratio	0.22
	PS Ratio	4.51
	PB Ratio	7.69
	Price-to-Tangible-Book	7.69
	Price-to-Free-Cash-Flow	29.2
	Price-to-Operating-Cash-Flow	25.56
	EV-to-EBIT	6.15
	EV-to-EBITDA	6.15
	EV-to-Revenue	3.51
	EV-to-FCF	13.48
	Price-to-Projected-FCF	1.21
	Price-to-Peter-Lynch-Fair-Value	0.42
	Price-to-Graham-Number	1.9
	Price-to-Net-Current-Asset-Value	10.42
	Earnings Yield (Greenblatt) %	16.26
	FCF Yield %	6.82
	Forward Rate of Return (Yacktman) %	25.35

Financials (Next Earnings Date:2025-02-26 Est.)

Annual Quarterly TTM

KSPI's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with NAS:KSPI

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Kaspi.kz JSC Executives

Details

GF Value: $132.18

KSPI

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Medium warning sign with KSPI. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	5,141.659
	EPS (TTM) ($)	11.111
	Beta	-0.07
	Volatility %	37.58
	14-Day RSI	54.41
	14-Day ATR ($)	4.557358
	20-Day SMA ($)	108.41375
	12-1 Month Momentum %	13.36
	52-Week Range ($)	85.02 - 143.72
	Shares Outstanding (Mil)	190.02

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Kaspi.kz JSC Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Kaspi.kz JSC Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Kaspi.kz JSC Frequently Asked Questions

What is Kaspi.kz JSC(KSPI)'s stock price today?

The current price of KSPI is $110.14. The 52 week high of KSPI is $143.72 and 52 week low is $85.02.

When is next earnings date of Kaspi.kz JSC(KSPI)?

The next earnings date of Kaspi.kz JSC(KSPI) is 2025-02-26 Est..

Does Kaspi.kz JSC(KSPI) pay dividends? If so, how much?

The Dividend Yield % of Kaspi.kz JSC(KSPI) is 6.73% (As of Today), Highest Dividend Payout Ratio of Kaspi.kz JSC(KSPI) was 0.8. The lowest was 0.37. And the median was 0.6. The Forward Dividend Yield % of Kaspi.kz JSC(KSPI) is 6.62%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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