J
Joint Stock Company Kaspi.kz (KSPI)
NMS – Real Time Price. Currency in USD
91.68
+0.10 (0.11%)
At close: Nov 06, 2026, 4:00 PM EST
91.68
0.00 (0.00%)
After-hours: Nov 06, 2026, 4:00 PM EST
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NMS – Real Time Price. Currency in USD
91.68
+0.10 (0.11%)
At close: Nov 06, 2026, 4:00 PM EST
91.68
0.00 (0.00%)
After-hours: Nov 06, 2026, 4:00 PM EST
No Data
There are no news for this stock.
Debt-to-equity ratio (0.22) is below the industry average (0.28), showing prudent use of debt
The company generates positive free cash flow $832.9M, supporting its financial health
| NAME | RATIO | INDUSTRY | 5Y TREND | SCORE |
|---|---|---|---|---|
| Current ratio | 1.08 | 1.44 | 7.0 | |
| Quick ratio | N/A | 1.47 | 1.0 | |
| Debt to Equity | 0.23 | 0.28 | 8.0 | |
| Debt to Assets | 0.05 | 0.19 | 9.0 | |
| Interest coverage | N/A | 3.09 | 10 | |
| Weighted average score | 7.0 | |||
| METRIC | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Total Revenue | 2.84B | 4.19B | 5.39B | 7.76B | 8.77B |
| Gross Profit | N/A | N/A | N/A | N/A | N/A |
| Operating Income | 1.56B | 2.24B | 2.73B | 2.55B | 2.66B |
| Net Income | 1.27B | 1.84B | 2.21B | 2.06B | 2.11B |
| EBITDA | N/A | N/A | N/A | N/A | N/A |
| NAME | RATIO | INDUSTRY | 5Y TREND | SCORE |
|---|---|---|---|---|
| Gross margin % | N/A | 60.65 | 1.0 | |
| Operating margin % | 39.69 | 8.49 | 10 | |
| Net margin % | 31.06 | 5.83 | 10 | |
| EBITDA margin % | N/A | 16.74 | 1.0 | |
| Cash flow margin % | 40.66 | 16.11 | 10 | |
| Weighted average score | 6.4 | |||
| NAME | RATIO | INDUSTRY | 5Y TREND | SCORE |
|---|---|---|---|---|
| ROA | 10.64 | 3.69 | 9.0 | |
| ROE | 51.43 | 9.56 | 10 | |
| ROIC | 44.69 | 6.19 | 10 | |
| ROCE | N/A | 7.50 | 1.0 | |
| Weighted average score | 7.5 | |||
| NAME | REVENUE GROWTH | EPS GROWTH | SCORE |
|---|---|---|---|
| Current quarter | 36.33 | 27.46 | 10 |
| Next quarter | 23.37 | 28.04 | 10 |
| Current year | 22.86 | 15.67 | 9.5 |
| Next year | 12.75 | 15.85 | 8.5 |
| Weighted average score | 9.5 | ||
| NAME | REVENUE | NET INCOME | EPS | FCF | SCORE |
|---|---|---|---|---|---|
| Q/Q | 7.5 | 7.52 | 2.97 | 30.95 | 6.3 |
| Y/Y | 24.19 | 7.79 | 8.52 | 101.44 | 8.0 |
| 3y average | 40.02 | 19.52 | 20.39 | 32.71 | 9.8 |
| 5y average | 38.24 | 28.89 | 29.82 | -99.73 | 7.8 |
| Weighted average score | 8.0 | ||||
| NAME | RATIO | INDUSTRY | 5Q TREND | SCORE |
|---|---|---|---|---|
| P/E | 8.34 | 27.67 | 9.4 | |
| PEG (5yr expected) | N/A | 1.20 | 1.0 | |
| P/S | 2.67 | 3.64 | 5.2 | |
| P/B | 3.21 | 4.70 | 5.6 | |
| Weighted average score | 5.3 | |||
| NAME | CURRENT | INDUSTRY | SCORE |
|---|---|---|---|
| Dividend yield | 5.93 | 1.75 | 10 |
| Payout ratio | 58.14 | 24.33 | 10 |
| 5-year dividend growth rate | -15.80 | 0.81 | 1.0 |
| Years of dividend increase | 0.00 | 0.00 | 1.0 |
| Weighted average score | 5.5 | ||
| NAME | SCALE | SCORE |
|---|---|---|
| Market share | Wide | 9.0 |
| Intangible assets | Wide | 9.0 |
| Switching costs | Wide | 9.0 |
| Network effect | Wide | 8.0 |
| Economies of scale | Wide | 8.0 |
| Weighted average score | 8.6 | |