Joint Stock Company Kaspi.kz (FRA:KKS)

FRA:KKS Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan 29, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	12,232	17,383	15,874	11,789	24,057	8,483
Market Cap Growth	-28.01%	9.51%	34.65%	-50.99%	183.59%	-
Enterprise Value	12,172	16,761	15,200	11,392	24,051	8,380
Last Close Price	63.80	94.50	79.33	51.60	86.78	42.22
PE Ratio	7.15	9.08	9.46	9.96	27.55	16.75
PS Ratio	2.15	3.71	4.18	4.59	13.44	7.25
PB Ratio	3.36	6.00	7.21	7.06	23.57	11.08
P/TBV Ratio	4.76	6.63	7.86	7.25	24.50	11.47
P/FCF Ratio	21.97	19.42	7.53	6.06	261.77	7.29
P/OCF Ratio	15.75	16.23	7.19	5.71	169.11	7.08
EV/Sales Ratio	2.17	3.58	4.00	4.44	13.43	7.16
EV/EBITDA Ratio	3.50	4.69	5.03	5.55	16.67	9.26
EV/EBIT Ratio	3.61	4.76	5.12	5.64	16.97	9.45
EV/FCF Ratio	21.86	18.72	7.21	5.86	261.71	7.20
Debt / Equity Ratio	0.18	0.09	0.15	0.27	0.56	0.55
Debt / EBITDA Ratio	0.18	0.07	0.11	0.22	0.40	0.47
Debt / FCF Ratio	1.16	0.28	0.15	0.23	6.25	0.36
Asset Turnover	0.41	0.34	0.32	0.29	0.28	0.24
Inventory Turnover	-	21.73	-	-	-	-
Quick Ratio	4.04	4.97	4.63	4.13	3.80	3.55
Current Ratio	4.29	5.05	4.71	4.21	3.86	3.65
Return on Equity (ROE)	59.55%	78.98%	88.01%	88.52%	96.78%	76.30%
Return on Assets (ROA)	15.29%	15.71%	15.58%	14.30%	13.66%	11.43%
Return on Invested Capital (ROIC)	96.15%	205.05%	281.24%	185.20%	158.52%	135.86%
Return on Capital Employed (ROCE)	25.80%	27.00%	26.00%	23.80%	24.50%	19.80%
Earnings Yield	13.98%	11.01%	10.58%	10.04%	3.63%	5.97%
FCF Yield	4.55%	5.15%	13.27%	16.50%	0.38%	13.71%
Dividend Yield	-	4.97%	8.05%	6.66%	2.06%	6.45%
Payout Ratio	14.67%	62.14%	66.57%	35.91%	78.80%	67.20%
Buyback Yield / Dilution	0.12%	0.33%	0.99%	0.18%	-0.32%	-2.63%
Total Shareholder Return	0.12%	5.30%	9.04%	6.84%	1.74%	3.82%

Source: S&P Global Market Intelligence. Standard template. Financial Sources.