Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
90.40
-2.40 (-2.59%)
At close: May 29, 2026, 4:00 PM EDT
92.20
+1.80 (1.99%)
After-hours: May 29, 2026, 7:36 PM EDT

KSPI Statistics

Total Valuation

KSPI has a market cap or net worth of $17.18 billion. The enterprise value is $16.15 billion.

Market Cap17.18B
Enterprise Value 16.15B

Important Dates

The last earnings date was Monday, May 11, 2026, before market open.

Earnings Date May 11, 2026
Ex-Dividend Date Jun 12, 2026

Share Statistics

KSPI has 190.03 million shares outstanding. The number of shares has increased by 0.21% in one year.

Current Share Class n/a
Shares Outstanding 190.03M
Shares Change (YoY) +0.21%
Shares Change (QoQ) -1.49%
Owned by Insiders (%) 46.22%
Owned by Institutions (%) 41.74%
Float 90.13M

Valuation Ratios

The trailing PE ratio is 7.72 and the forward PE ratio is 7.11.

PE Ratio 7.72
Forward PE 7.11
PS Ratio 1.91
Forward PS 0.00
PB Ratio 3.05
P/TBV Ratio 3.66
P/FCF Ratio 12.03
P/OCF Ratio 9.25
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.18, with an EV/FCF ratio of 11.31.

EV / Earnings 7.19
EV / Sales 1.79
EV / EBITDA 3.18
EV / EBIT 3.30
EV / FCF 11.31

Financial Position

The company has a current ratio of 7.06, with a Debt / Equity ratio of 0.12.

Current Ratio 7.06
Quick Ratio 6.71
Debt / Equity 0.12
Debt / EBITDA 0.14
Debt / FCF 0.48
Interest Coverage 2.35

Financial Efficiency

Return on equity (ROE) is 46.75% and return on invested capital (ROIC) is 85.50%.

Return on Equity (ROE) 46.75%
Return on Assets (ROA) 14.30%
Return on Invested Capital (ROIC) 85.50%
Return on Capital Employed (ROCE) 23.60%
Weighted Average Cost of Capital (WACC) 13.71%
Revenue Per Employee $643,556
Profits Per Employee $160,332
Employee Count14,008
Asset Turnover 0.42
Inventory Turnover 12.20

Taxes

In the past 12 months, KSPI has paid $589.96 million in taxes.

Income Tax 589.96M
Effective Tax Rate 20.88%

Stock Price Statistics

The stock price has increased by +10.57% in the last 52 weeks. The beta is 0.08, so KSPI's price volatility has been lower than the market average.

Beta (5Y) 0.08
52-Week Price Change +10.57%
50-Day Moving Average 83.04
200-Day Moving Average 79.80
Relative Strength Index (RSI) 57.63
Average Volume (20 Days) 469,982

Short Selling Information

The latest short interest is 1.61 million, so 1.57% of the outstanding shares have been sold short.

Short Interest 1.61M
Short Previous Month 1.70M
Short % of Shares Out 1.57%
Short % of Float n/a
Short Ratio (days to cover) 2.81

Income Statement

In the last 12 months, KSPI had revenue of $9.01 billion and earned $2.25 billion in profits. Earnings per share was $11.71.

Revenue9.01B
Gross Profit 6.24B
Operating Income 4.89B
Pretax Income 2.83B
Net Income 2.25B
EBITDA 5.07B
EBIT 4.89B
Earnings Per Share (EPS) $11.71
Full Income Statement

Balance Sheet

The company has $1.72 billion in cash and $690.30 million in debt, with a net cash position of $1.03 billion or $5.40 per share.

Cash & Cash Equivalents 1.72B
Total Debt 690.30M
Net Cash 1.03B
Net Cash Per Share $5.40
Equity (Book Value) 5.82B
Book Value Per Share 29.63
Working Capital 15.43B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.86 billion and capital expenditures -$395.78 million, giving a free cash flow of $1.43 billion.

Operating Cash Flow 1.86B
Capital Expenditures -395.78M
Depreciation & Amortization 176.99M
Net Borrowing -221.82M
Free Cash Flow 1.43B
FCF Per Share $7.52
Full Cash Flow Statement

Margins

Gross margin is 69.24%, with operating and profit margins of 54.28% and 24.91%.

Gross Margin 69.24%
Operating Margin 54.28%
Pretax Margin 31.34%
Profit Margin 24.91%
EBITDA Margin 56.29%
EBIT Margin 54.28%
FCF Margin 15.85%

Dividends & Yields

This stock pays an annual dividend of $7.02, which amounts to a dividend yield of 7.57%.

Dividend Per Share $7.02
Dividend Yield 7.57%
Dividend Growth (YoY) n/a
Years of Dividend Growth 2
Payout Ratio 15.13%
Buyback Yield -0.21%
Shareholder Yield 7.36%
Earnings Yield 13.07%
FCF Yield 8.32%
Dividend Details

Analyst Forecast

The average price target for KSPI is $98.27, which is 8.71% higher than the current price. The consensus rating is "Buy".

Price Target $98.27
Price Target Difference 8.71%
Analyst Consensus Buy
Analyst Count 7
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 2.8 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.8
Piotroski F-Score 5