Stock Evaluator: Joint Stock Company Kaspi.kz (KSPI)

Joint Stock Company Kaspi.kz KSPI

$88.78 -0.26 -0.29%
July 31, 2026 4:00:00 PM EST November 10, 2021 Volume: 297,253
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Consumer Finance

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in Kazakhstan, Azerbaijan, and Ukraine. The company operates through three segments: Payments, Marketplace, and Fintech. The Payments segment offers a platform that facilities transactions between and among merchants and consumers. This segment provides ways for consumers to pay for shopping transactions and regular household bills, as well as make peer to peer payments; and enables merchants to accept payment online and in store, issue and settle invoices, pay suppliers, and monitor merchant turnover. It also offers proprietary data, which facilitates informed decision-making across multiple areas of business. Its Marketplace Platform segment connects both online and offline merchants with consumers, enabling merchants to increase sales through an omnichannel strategy and allowing consumers to purchase products and services from various merchants. This segment operates marketplaces through m-commerce, a mobile solution for shopping in person; e-Commerce, which allows consumers to shop anywhere and anytime with free delivery; and Kaspi Travel that allows consumers to book domestic and international flights, domestic rail tickets, and international package holidays. It also enhances merchants’ sales by connecting payments and fintech products, Kapsi advertising, and other delivery services. The Fintech Platform segment provides consumers with buy-now-pay-later, finance and savings products, and merchants with merchant finance services. It also involved in the banking; distressed asset management; real estate business; payment processing; online travel; e-grocery; classifieds; and storage and processing of information services. Joint Stock Company Kaspi.kz was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.

Commentary & Analysis


Financial Summary

Share Statistics KSPI Industry
Median
Percentile
(All Stocks)
Market Cap (Mil) $16,870.6 $1,153.3 84%
Shares Out (Mil) 0.4 36.1 2%
Institutional Ownership 47.7% 79.0% 22%
Float (Mil) 90.9 32.7 59%
Beta 0.08 1.06 8%
Avg Daily Volume (000s) 301 364 51%
Price Change
(52-week)
8.3% 77.7% 52%
Growth KSPI Industry
Median
Percentile
(All Stocks)
Sales (5yr) 41.0% 7.7% 94%
Net Income (5yr) 27.9% 12.6% 83%
EPS (5yr) 28.1% 17.1% 79
Dividends (5yr) (12.8%) 0.0% 96%
Cash Flow (5yr) 25.6% (2.8%) 83%
Estimates Qtrly Current
Fiscal
Year
Next
Fiscal
Year
# of Estimates 1 4 4
Current EPS $2.731 $12.139 $14.097
Month Ago EPS $2.731 $12.139 $14.097
# Rev Up 1 1 1
# Rev Down 0 0 0
Three Months Ago EPS $2.736 $11.856 $14.413
Year/Year Chg (0.5%) 10.0% 51.8%
Financials KSPI Industry
Median
Percentile
(All Stocks)
Sales (TTM) (Mil) $9,015 $1,086 83%
Net Income (TTM) (Mil) $2,246 $147 93%
EPS (TTM) $11.787 $1.600 96%
Operating Cash Flow (TTM) (Mil) $1,856 $231 87%
Net Cash Flow (TTM) (Mil) $273 $6 87%
Long-Term Debt (Q1) (Mil) $650 $808 62%
Enterprise Value (Q1) (Mil) $15,759 $1,297 80%
Valuation KSPI Industry
Median
Percentile
(All Stocks)
P/B 3.00 1.44 65%
P/E 7.6 9.2 9%
Dividend Yield 0.0% 0.0% 0%
PEG (5yr hist) 0.3 0.5 11%
Ratios KSPI Industry
Median
Percentile
(All Stocks)
Gross Margin 69.2% 75.1% 80%
Net Margin 24.9% 14.6% 84%
ROA 10.8% 2.9% 88%
ROE 49.8% 14.6% 93%
Liabilities to Assets 75.0% 79.0% 70%
F-Score 4 5 34%

Passing Stock Screens

As of 7/31/2026, from a list of 60 stock screening strategies, KSPI meetings the criteria of 1 screen:

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

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