Joint Stock Company Kaspi.kz (FRA:KKS)

FRA:KKS Statistics

Total Valuation

FRA:KKS has a market cap or net worth of EUR 12.66 billion. The enterprise value is 12.60 billion.

Market Cap	12.66B
Enterprise Value	12.60B

Important Dates

The next estimated earnings date is Tuesday, February 24, 2026.

Earnings Date	Feb 24, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	n/a
Shares Outstanding	n/a
Shares Change (YoY)	-0.12%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	80.49M

Valuation Ratios

The trailing PE ratio is 7.40 and the forward PE ratio is 5.80.

PE Ratio	7.40
Forward PE	5.80
PS Ratio	2.23
PB Ratio	3.48
P/TBV Ratio	4.93
P/FCF Ratio	22.74
P/OCF Ratio	16.30
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.55, with an EV/FCF ratio of 22.63.

EV / Earnings	7.37
EV / Sales	2.20
EV / EBITDA	3.55
EV / EBIT	3.66
EV / FCF	22.63

Financial Position

The company has a current ratio of 4.28, with a Debt / Equity ratio of 0.18.

Current Ratio	4.28
Quick Ratio	4.04
Debt / Equity	0.18
Debt / EBITDA	0.18
Debt / FCF	1.16
Interest Coverage	2.71

Financial Efficiency

Return on equity (ROE) is 59.55% and return on invested capital (ROIC) is 63.96%.

Return on Equity (ROE)	59.55%
Return on Assets (ROA)	15.29%
Return on Invested Capital (ROIC)	63.96%
Return on Capital Employed (ROCE)	25.79%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.41
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:KKS has paid 392.16 million in taxes.

Income Tax	392.16M
Effective Tax Rate	18.56%

Stock Price Statistics

The stock price has decreased by -34.12% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-34.12%
50-Day Moving Average	65.06
200-Day Moving Average	74.93
Relative Strength Index (RSI)	62.91
Average Volume (20 Days)	90

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	1.43

Income Statement

In the last 12 months, FRA:KKS had revenue of EUR 5.68 billion and earned 1.71 billion in profits. Earnings per share was 8.93.

Revenue	5.68B
Gross Profit	4.21B
Operating Income	3.41B
Pretax Income	2.11B
Net Income	1.71B
EBITDA	3.52B
EBIT	3.41B
Earnings Per Share (EPS)	8.93

Balance Sheet

The company has 814.83 million in cash and 644.90 million in debt, giving a net cash position of 169.93 million.

Cash & Cash Equivalents	814.83M
Total Debt	644.90M
Net Cash	169.93M
Net Cash Per Share	n/a
Equity (Book Value)	3.64B
Book Value Per Share	18.50
Working Capital	9.32B

Cash Flow

In the last 12 months, operating cash flow was 776.74 million and capital expenditures -219.89 million, giving a free cash flow of 556.85 million.

Operating Cash Flow	776.74M
Capital Expenditures	-219.89M
Free Cash Flow	556.85M
FCF Per Share	n/a

Margins

Gross margin is 74.12%, with operating and profit margins of 60.11% and 30.11%.

Gross Margin	74.12%
Operating Margin	60.11%
Pretax Margin	37.19%
Profit Margin	30.11%
EBITDA Margin	61.91%
EBIT Margin	60.11%
FCF Margin	9.80%

Dividends & Yields

FRA:KKS does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	14.67%
Buyback Yield	0.12%
Shareholder Yield	0.12%
Earnings Yield	13.51%
FCF Yield	4.40%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

FRA:KKS has an Altman Z-Score of 2.75 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.75
Piotroski F-Score	5