Joint Stock Company Kaspi.kz (KSPI)
NASDAQ: KSPI · Real-Time Price · USD
82.34
+2.80 (3.52%)
At close: Apr 14, 2026, 4:00 PM EDT
81.84
-0.50 (-0.61%)
After-hours: Apr 14, 2026, 7:52 PM EDT

KSPI Statistics

Total Valuation

KSPI has a market cap or net worth of $15.66 billion. The enterprise value is $14.54 billion.

Market Cap15.66B
Enterprise Value 14.54B

Important Dates

The next confirmed earnings date is Monday, May 11, 2026, before market open.

Earnings Date May 11, 2026
Ex-Dividend Date Apr 16, 2026

Share Statistics

KSPI has 190.23 million shares outstanding. The number of shares has increased by 0.25% in one year.

Current Share Class n/a
Shares Outstanding 190.23M
Shares Change (YoY) +0.25%
Shares Change (QoQ) +0.99%
Owned by Insiders (%) 46.63%
Owned by Institutions (%) 40.21%
Float 87.65M

Valuation Ratios

The trailing PE ratio is 7.46 and the forward PE ratio is 6.97.

PE Ratio 7.46
Forward PE 6.97
PS Ratio 1.96
Forward PS 0.00
PB Ratio 3.19
P/TBV Ratio 4.83
P/FCF Ratio 15.15
P/OCF Ratio 11.79
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.18, with an EV/FCF ratio of 14.06.

EV / Earnings 6.87
EV / Sales 1.82
EV / EBITDA 3.18
EV / EBIT 3.29
EV / FCF 14.06

Financial Position

The company has a current ratio of 5.64, with a Debt / Equity ratio of 0.14.

Current Ratio 5.64
Quick Ratio 5.35
Debt / Equity 0.14
Debt / EBITDA 0.15
Debt / FCF 0.67
Interest Coverage 2.46

Financial Efficiency

Return on equity (ROE) is 51.15% and return on invested capital (ROIC) is 84.15%.

Return on Equity (ROE) 51.15%
Return on Assets (ROA) 14.38%
Return on Invested Capital (ROIC) 84.15%
Return on Capital Employed (ROCE) 23.43%
Weighted Average Cost of Capital (WACC) 12.61%
Revenue Per Employee $569,436
Profits Per Employee $151,139
Employee Count14,008
Asset Turnover 0.42
Inventory Turnover 17.19

Taxes

In the past 12 months, KSPI has paid $521.23 million in taxes.

Income Tax 521.23M
Effective Tax Rate 19.84%

Stock Price Statistics

The stock price has decreased by -1.92% in the last 52 weeks. The beta is -0.05, so KSPI's price volatility has been lower than the market average.

Beta (5Y) -0.05
52-Week Price Change -1.92%
50-Day Moving Average 74.00
200-Day Moving Average 79.51
Relative Strength Index (RSI) 66.78
Average Volume (20 Days) 473,233

Short Selling Information

The latest short interest is 1.70 million, so 0.89% of the outstanding shares have been sold short.

Short Interest 1.70M
Short Previous Month 1.74M
Short % of Shares Out 0.89%
Short % of Float 1.94%
Short Ratio (days to cover) 2.70

Income Statement

In the last 12 months, KSPI had revenue of $7.98 billion and earned $2.12 billion in profits. Earnings per share was $11.03.

Revenue7.98B
Gross Profit 5.59B
Operating Income 4.41B
Pretax Income 2.63B
Net Income 2.12B
EBITDA 4.57B
EBIT 4.41B
Earnings Per Share (EPS) $11.03
Full Income Statement

Balance Sheet

The company has $1.82 billion in cash and $697.85 million in debt, with a net cash position of $1.13 billion or $5.92 per share.

Cash & Cash Equivalents 1.82B
Total Debt 697.85M
Net Cash 1.13B
Net Cash Per Share $5.92
Equity (Book Value) 5.13B
Book Value Per Share 25.84
Working Capital 14.02B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.33 billion and capital expenditures -$360.06 million, giving a free cash flow of $1.03 billion.

Operating Cash Flow 1.33B
Capital Expenditures -360.06M
Depreciation & Amortization 164.75M
Net Borrowing 458.85M
Free Cash Flow 1.03B
FCF Per Share $5.44
Full Cash Flow Statement

Margins

Gross margin is 70.09%, with operating and profit margins of 55.35% and 26.54%.

Gross Margin 70.09%
Operating Margin 55.35%
Pretax Margin 32.94%
Profit Margin 26.54%
EBITDA Margin 57.28%
EBIT Margin 55.35%
FCF Margin 12.96%

Dividends & Yields

This stock pays an annual dividend of $7.16, which amounts to a dividend yield of 9.00%.

Dividend Per Share $7.16
Dividend Yield 9.00%
Dividend Growth (YoY) n/a
Years of Dividend Growth 2
Payout Ratio n/a
Buyback Yield -0.25%
Shareholder Yield 8.45%
Earnings Yield 13.52%
FCF Yield 6.60%
Dividend Details

Analyst Forecast

The average price target for KSPI is $104.33, which is 26.71% higher than the current price. The consensus rating is "Hold".

Price Target $104.33
Price Target Difference 26.71%
Analyst Consensus Hold
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 2.73 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.73
Piotroski F-Score 5