Joint Stock Company Kaspi.kz (KASE:KSPI)

KASE:KSPI Statistics

Total Valuation

KASE:KSPI has a market cap or net worth of KZT 7.88 trillion. The enterprise value is 7.87 trillion.

Market Cap	7.88T
Enterprise Value	7.87T

Important Dates

The next estimated earnings date is Monday, August 4, 2025.

Earnings Date	Aug 4, 2025
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	190.78M
Shares Outstanding	n/a
Shares Change (YoY)	-0.20%
Shares Change (QoQ)	-0.63%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	66.35M

Valuation Ratios

The trailing PE ratio is 7.35 and the forward PE ratio is 6.17.

PE Ratio	7.35
Forward PE	6.17
PS Ratio	2.81
PB Ratio	4.42
P/TBV Ratio	6.90
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.63, with an EV/FCF ratio of 15.05.

EV / Earnings	7.34
EV / Sales	2.61
EV / EBITDA	3.63
EV / EBIT	3.70
EV / FCF	15.05

Financial Position

The company has a current ratio of 4.01, with a Debt / Equity ratio of 0.34.

Current Ratio	4.01
Quick Ratio	3.91
Debt / Equity	0.34
Debt / EBITDA	0.30
Debt / FCF	1.15
Interest Coverage	3.02

Financial Efficiency

Return on equity (ROE) is 69.21% and return on invested capital (ROIC) is 62.67%.

Return on Equity (ROE)	69.21%
Return on Assets (ROA)	15.25%
Return on Invested Capital (ROIC)	62.67%
Return on Capital Employed (ROCE)	26.15%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

In the past 12 months, KASE:KSPI has paid 233.20 billion in taxes.

Income Tax	233.20B
Effective Tax Rate	17.66%

Stock Price Statistics

The stock price has decreased by -28.82% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-28.82%
50-Day Moving Average	45,525.98
200-Day Moving Average	50,384.24
Relative Strength Index (RSI)	50.11
Average Volume (20 Days)	1,229

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)	1.25

Income Statement

In the last 12 months, KASE:KSPI had revenue of KZT 2.80 trillion and earned 1.07 trillion in profits. Earnings per share was 5,600.35.

Revenue	2.80T
Gross Profit	2.33T
Operating Income	1.98T
Pretax Income	1.32T
Net Income	1.07T
EBITDA	2.01T
EBIT	1.98T
Earnings Per Share (EPS)	5,600.35

Balance Sheet

The company has 692.10 billion in cash and 602.65 billion in debt, giving a net cash position of 89.46 billion.

Cash & Cash Equivalents	692.10B
Total Debt	602.65B
Net Cash	89.46B
Net Cash Per Share	n/a
Equity (Book Value)	1.78T
Book Value Per Share	8,960.00
Working Capital	5.22T

Cash Flow

In the last 12 months, operating cash flow was 636.08 billion and capital expenditures -113.40 billion, giving a free cash flow of 522.69 billion.

Operating Cash Flow	636.08B
Capital Expenditures	-113.40B
Free Cash Flow	522.69B
FCF Per Share	n/a

Margins

Gross margin is 83.19%, with operating and profit margins of 70.51% and 38.24%.

Gross Margin	83.19%
Operating Margin	70.51%
Pretax Margin	47.11%
Profit Margin	38.24%
EBITDA Margin	71.81%
EBIT Margin	70.51%
FCF Margin	18.64%

Dividends & Yields

KASE:KSPI 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	n/a
Payout Ratio	60.26%
Buyback Yield	0.20%
Shareholder Yield	n/a
Earnings Yield	13.60%
FCF Yield	6.63%

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

KASE:KSPI has an Altman Z-Score of 2.76 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.76
Piotroski F-Score	5