Joint Stock Company Kaspi.kz (KASE:KSPI)
Kazakhstan · Delayed Price · Currency is KZT 41,232
+380 (0.93%)
At close: Jul 27, 2026
KASE:KSPI Ratios and Metrics
Market cap in millions KZT. Fiscal year is January - December.
Millions KZT. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 24, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| 7,733,796 | 7,555,774 | 9,441,086 | 7,955,362 | 5,827,759 | 11,897,270 | |
Market Cap Growth | -12.42% | -19.97% | 18.68% | 36.51% | -51.02% | 172.15% |
Enterprise Value | 7,337,912 | 7,520,160 | 9,103,177 | 7,617,569 | 5,631,620 | 11,894,511 |
Last Close Price | 40851.11 | 40390.00 | 54540.00 | 45600.00 | 33196.50 | 52250.00 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 24, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 7.22 | 7.04 | 9.08 | 9.46 | 9.96 | 27.55 |
PS Ratio | 1.80 | 1.87 | 3.71 | 4.18 | 4.59 | 13.44 |
PB Ratio | 2.79 | 2.90 | 6.00 | 7.21 | 7.06 | 23.57 |
P/TBV Ratio | 3.46 | 4.60 | 6.63 | 7.86 | 7.25 | 24.50 |
P/FCF Ratio | 11.11 | 15.39 | 19.42 | 7.53 | 6.06 | 261.77 |
P/OCF Ratio | 8.74 | 11.22 | 16.23 | 7.19 | 5.71 | 169.11 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 24, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
EV/Sales Ratio | 1.72 | 1.86 | 3.58 | 4.00 | 4.44 | 13.43 |
EV/EBITDA Ratio | 3.05 | 3.25 | 4.69 | 5.03 | 5.55 | 16.67 |
EV/EBIT Ratio | 3.16 | 3.36 | 4.76 | 5.12 | 5.64 | 16.97 |
EV/FCF Ratio | 10.54 | 15.31 | 18.72 | 7.21 | 5.86 | 261.71 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 24, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Debt / Equity Ratio | 0.12 | 0.14 | 0.09 | 0.15 | 0.27 | 0.56 |
Debt / EBITDA Ratio | 0.14 | 0.15 | 0.07 | 0.11 | 0.22 | 0.40 |
Debt / FCF Ratio | 0.47 | 0.72 | 0.28 | 0.15 | 0.23 | 6.25 |
Net Debt / Equity Ratio | -0.18 | -0.22 | -0.31 | -0.60 | -0.47 | -0.11 |
Net Debt / EBITDA Ratio | -0.20 | -0.25 | -0.25 | -0.43 | -0.38 | -0.08 |
Net Debt / FCF Ratio | -0.70 | -1.16 | -0.99 | -0.62 | -0.41 | -1.28 |
Asset Turnover | 0.42 | 0.42 | 0.34 | 0.32 | 0.29 | 0.28 |
Inventory Turnover | 12.20 | 17.19 | 21.75 | - | - | - |
Quick Ratio | 6.71 | 5.35 | 4.89 | 4.63 | 4.13 | 3.80 |
Current Ratio | 7.06 | 5.64 | 4.97 | 4.71 | 4.21 | 3.86 |
Return on Equity (ROE) | 46.75% | 51.15% | 78.98% | 88.01% | 88.52% | 96.78% |
Return on Assets (ROA) | 14.30% | 14.38% | 15.71% | 15.58% | 14.30% | 13.66% |
Return on Invested Capital (ROIC) | 85.50% | 114.94% | 205.05% | 281.24% | 185.20% | 158.52% |
Return on Capital Employed (ROCE) | 23.60% | 23.40% | 27.00% | 26.00% | 23.80% | 24.50% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 24, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Earnings Yield | 13.84% | 14.20% | 11.01% | 10.58% | 10.04% | 3.63% |
FCF Yield | 9.00% | 6.50% | 5.15% | 13.27% | 16.50% | 0.38% |
Dividend Yield | - | 2.10% | 4.67% | 7.02% | 5.12% | 1.69% |
Payout Ratio | - | - | 62.14% | 66.57% | 35.91% | 78.80% |
Buyback Yield / Dilution | -0.21% | -0.25% | 0.33% | 0.99% | 0.18% | -0.32% |
Total Shareholder Return | -0.21% | 1.86% | 5.00% | 8.01% | 5.30% | 1.37% |