Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
88.62
-2.47 (-2.71%)
At close: Sep 5, 2025, 4:00 PM
88.60
-0.02 (-0.02%)
After-hours: Sep 5, 2025, 7:41 PM EDT

KSPI Statistics

Total Valuation

KSPI has a market cap or net worth of $16.91 billion. The enterprise value is $15.87 billion.

Market Cap16.91B
Enterprise Value 15.87B

Important Dates

The next estimated earnings date is Monday, October 20, 2025, before market open.

Earnings Date Oct 20, 2025
Ex-Dividend Date Nov 20, 2024

Share Statistics

KSPI has 190.78 million shares outstanding. The number of shares has decreased by -0.14% in one year.

Current Share Class n/a
Shares Outstanding 190.78M
Shares Change (YoY) -0.14%
Shares Change (QoQ) +0.40%
Owned by Insiders (%) 43.83%
Owned by Institutions (%) 35.57%
Float 78.60M

Valuation Ratios

The trailing PE ratio is 8.07 and the forward PE ratio is 6.96.

PE Ratio 8.07
Forward PE 6.96
PS Ratio 2.75
Forward PS 0.00
PB Ratio 4.49
P/TBV Ratio 6.34
P/FCF Ratio 13.72
P/OCF Ratio 10.88
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.86, with an EV/FCF ratio of 12.88.

EV / Earnings 7.55
EV / Sales 2.59
EV / EBITDA 3.86
EV / EBIT 3.95
EV / FCF 12.88

Financial Position

The company has a current ratio of 4.25, with a Debt / Equity ratio of 0.28.

Current Ratio 4.25
Quick Ratio 4.15
Debt / Equity 0.28
Debt / EBITDA 0.26
Debt / FCF 0.87
Interest Coverage 2.87

Financial Efficiency

Return on equity (ROE) is 67.68% and return on invested capital (ROIC) is 65.76%.

Return on Equity (ROE) 67.68%
Return on Assets (ROA) 15.13%
Return on Invested Capital (ROIC) 65.76%
Return on Capital Employed (ROCE) 25.31%
Revenue Per Employee $635,920
Profits Per Employee $218,066
Employee Count9,637
Asset Turnover 0.37
Inventory Turnover n/a

Taxes

In the past 12 months, KSPI has paid $467.81 million in taxes.

Income Tax 467.81M
Effective Tax Rate 18.04%

Stock Price Statistics

The stock price has decreased by -30.03% in the last 52 weeks. The beta is -0.03, so KSPI's price volatility has been lower than the market average.

Beta (5Y) -0.03
52-Week Price Change -30.03%
50-Day Moving Average 88.15
200-Day Moving Average 92.79
Relative Strength Index (RSI) 44.80
Average Volume (20 Days) 289,726

Short Selling Information

The latest short interest is 802,066, so 0.42% of the outstanding shares have been sold short.

Short Interest 802,066
Short Previous Month 450,328
Short % of Shares Out 0.42%
Short % of Float 1.02%
Short Ratio (days to cover) 2.28

Income Statement

In the last 12 months, KSPI had revenue of $6.13 billion and earned $2.10 billion in profits. Earnings per share was $10.97.

Revenue6.13B
Gross Profit 4.82B
Operating Income 4.01B
Pretax Income n/a
Net Income 2.10B
EBITDA 4.11B
EBIT 4.01B
Earnings Per Share (EPS) $10.97
Full Income Statement

Balance Sheet

The company has $2.12 billion in cash and $1.08 billion in debt, giving a net cash position of $1.04 billion or $5.46 per share.

Cash & Cash Equivalents 2.12B
Total Debt 1.08B
Net Cash 1.04B
Net Cash Per Share $5.46
Equity (Book Value) 3.91B
Book Value Per Share 19.73
Working Capital 11.39B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.55 billion and capital expenditures -$272.81 million, giving a free cash flow of $1.23 billion.

Operating Cash Flow 1.55B
Capital Expenditures -272.81M
Free Cash Flow 1.23B
FCF Per Share $6.46
Full Cash Flow Statement

Margins

Gross margin is 78.66%, with operating and profit margins of 65.48% and 34.29%.

Gross Margin 78.66%
Operating Margin 65.48%
Pretax Margin 42.32%
Profit Margin 34.29%
EBITDA Margin 67.04%
EBIT Margin 65.48%
FCF Margin 20.10%

Dividends & Yields

This stock pays an annual dividend of $1.71, which amounts to a dividend yield of 1.93%.

Dividend Per Share $1.71
Dividend Yield 1.93%
Dividend Growth (YoY) 12.81%
Years of Dividend Growth 2
Payout Ratio 15.62%
Buyback Yield 0.14%
Shareholder Yield 2.07%
Earnings Yield 12.43%
FCF Yield 7.29%
Dividend Details

Analyst Forecast

The average price target for KSPI is $122.00, which is 37.67% higher than the current price. The consensus rating is "Buy".

Price Target $122.00
Price Target Difference 37.67%
Analyst Consensus Buy
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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

KSPI has an Altman Z-Score of 2.72 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.72
Piotroski F-Score 5