Joint Stock Kaspi.kz
KSPI | NASDAQ
$91.27
-$3.39 (-3.58%)
At close: Oct 30, 2026, 4:00 PM ET
$91.78
+$0.51 (+0.56%)
Pre-market:
Nov 2, 2026, 7:37 AM ET
Market Data
Market Cap $17.34B
Enterprise Value $6.94T
Beta 0.09
Average Volume 504.03K
Shares Outstanding (Diluted) 190.02M
Shares Change YoY -0.83%
Institutional Ownership N/A
Exchange NASDAQ
ISIN US48581R2058
Price Performance
Price Change 1M -3.0%
Price Change 3M 2.8%
Price Change 6M 5.6%
Price Change YTD 16.8%
Price Change 1Y 22.0%
Price Change 3Y N/A
Price Change 5Y N/A
1M CAGR (ann.) -6.4%
1Y CAGR (ann.) 29.9%
5Y CAGR (ann.) N/A
All-Time CAGR 2.8%
Valuation
PE Ratio 8.44
Forward PE 6.51
PEG Ratio -1.61
Forward PEG -1.44
PS Ratio 2.02
Forward PS 1.70
PB Ratio 3.15
P/FCF Ratio 9.22
P/Adj. FCF Ratio 9.22
P/OCF Ratio 7.66
EV/Sales 1.60
EV/EBIT 3.79
EV/EBITDA 3.75
EV/FCF 7.28
Earnings Yield 13.2%
FCF Yield 12.1%
Adj. FCF Yield 12.1%
Financial Health
Net Cash KZT1.36T
Total Debt KZT1.21T
Cash & Short-Term Investments KZT2.57T
Total Assets KZT12.06T
Current Ratio 2.30
Quick Ratio 2.22
Debt / Equity Ratio 0.46
Debt / EBITDA 0.65
Debt / FCF 1.27
OCF / Debt 0.95
Interest Coverage 1.55
Altman Z-Score 1.89
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 70.5%
Operating Profit Margin 37.0%
EBITDA Margin 42.6%
Net Profit Margin 24.0%
FCF Margin 21.9%
Adj. FCF Margin 21.9%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 8.6%
Return on Equity 41.3%
Return on Invested Capital 11.3%
Return on Capital Employed 15.1%
Return on Tangible Assets 9.0%
Historical Growth (CAGR)
Revenue CAGR 3Y 40.1%
Revenue CAGR 5Y 43.5%
Revenue CAGR 10Y N/A
EPS CAGR 3Y 13.6%
EPS CAGR 5Y 32.3%
EPS CAGR 10Y N/A
FCF CAGR 3Y -9.8%
FCF CAGR 5Y -3.9%
FCF CAGR 10Y N/A
Analyst Forecasts
Analyst Rating Hold
Analyst Count 2
EPS Growth Next 3Y 20.3%
Revenue Growth Next 3Y -0.1%
Earnings Date Nov 9, 2026
EPS Estimate (next Q) $0.01
EPS Growth Est (next Q) 14.7%
Revenue Est (next Q) $5.94M
Revenue Growth Est (next Q) 32.6%
Fair Value Estimates
Graham Number $87.89
Graham Upside -3.7%
Lynch Fair Value $270.30
Lynch Upside 196.2%
Price Target $107.50
Price Target Upside 17.8%
Cash Flow
Operating Cash Flow KZT1.15T
Free Cash Flow KZT952.97B
Adj. Free Cash Flow KZT952.97B
FCF Per Share $5,015.21
OCF Per Share $6,033.99
OCF/S Ratio 26.4%
Income Statement
Revenue KZT4.35T
Gross Profit KZT3.07T
Operating Income KZT1.61T
EBITDA KZT1.85T
Net Income KZT1.04T
EPS (Diluted) $5,475.95
Revenue / Employee $310.5M
Profit / Employee $74.4M
Employees 14,008
Dividends
Annual Dividend $7.42
Dividend Yield 8.13%
Payout Ratio 0.1%
FCF Payout Ratio 33.9%
Adj. FCF Payout Ratio 33.9%
Dividend Growth (YoY) -0.3%
Pay Frequency Quarterly
Ex-Dividend Date Sep 10, 2026
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