Joint stock company kaspi.kz KSPI.US Overview
KSPI AI Analysis & Strategy
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KSPI Current Performance
3.97%
Joint stock company kaspi.kz
-0.78%
Avg of Sector
-0.40%
S&P500
KSPI Key Information
KSPI Revenue by Segments
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KSPI Net Income
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KSPI Cash Flow
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KSPI Profit Margin
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KSPI PE Ratio River
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KSPI Financial Forecast
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KSPI Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
KSPI Profile
Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in the Republic of Kazakhstan. It operates through three segments: Payments Platform, Marketplace Platform, and Fintech Platform. The Payments Platform segment facilities transactions between customers and merchants. This segment offers shopping transactions, regular household bills, and peer to peer payments for consumers; accepts payment online and in store, issue and settle invoices, pay suppliers and monitor merchant turnover. It also provides proprietary data facilities informed decision making across multiple areas of business. Its Marketplace Platform segment connects online, and offline merchants and consumers enabling merchants to enhance its sales through an omni channel strategy and enable consumers to buy products and services from various merchants. This segment also operates marketplace through m-commerce, a mobile solution for shopping in person which consumers can use e-commerce to shop anywhere, anytime with free delivery; Kaspi Travel allows consumers to book domestic and international flights and package holidays, domestic rail tickets. It also enhances merchants sales by connecting payments and fintech products, Kapsi advertising, and other delivery services. The Fintech Platform segment provides consumers with BNPL, finance, and savings products and merchants with merchant finance services through super apps and Kapsi.kz Super app. It also involved in the banking; distressed asset management; real estate business; payment processing; online travel; and storage and processing of information services. The company was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.
Price of KSPI
KSPI FAQ
When is KSPI's latest earnings report released?
The most recent financial report for Joint stock company kaspi.kz (KSPI) covers the period of 2025Q1 and was published on 2025/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating KSPI's short-term business performance and financial health. For the latest updates on KSPI's earnings releases, visit this page regularly.
Where does KSPI fall in the P/E River chart?
According to historical valuation range analysis, Joint stock company kaspi.kz (KSPI)'s current price-to-earnings (P/E) ratio is 7.56, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of KSPI?
According to the latest financial report, Joint stock company kaspi.kz (KSPI) reported an Operating Profit of 307.45B with an Operating Margin of 37.41% this period, representing a growth of 14.25% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is KSPI's revenue growth?
In the latest financial report, Joint stock company kaspi.kz (KSPI) announced revenue of 821.85B, with a Year-Over-Year growth rate of 48.67%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does KSPI have?
At the end of the period, Joint stock company kaspi.kz (KSPI) held Total Cash and Cash Equivalents of 776.96B, accounting for 0.08 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does KSPI go with three margins increasing?
In the latest report, Joint stock company kaspi.kz (KSPI) achieved the “three margins increasing” benchmark, with a gross margin of 52.3%%, operating margin of 37.41%%, and net margin of 30.7%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess KSPI's profit trajectory and future growth potential.
Is KSPI's EPS continuing to grow?
According to the past four quarterly reports, Joint stock company kaspi.kz (KSPI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.33K. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of KSPI?
Joint stock company kaspi.kz (KSPI)'s Free Cash Flow (FCF) for the period is -151.42B, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 19.45% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.