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Joint stock company kaspi.kzKSPI.US Overview

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KSPI Recent Performance

-3.80%

Joint stock company kaspi.kz

-1.03%

Avg of Sector

-0.49%

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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.

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KSPI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

KSPI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
5647.82
PE Ratio (TTM)
7.15
Forward PE
-
PS Ratio (TTM)
1.89
PB Ratio
3.03
Price-to-FCF
0.03
METRIC
VALUE
vs. INDUSTRY
Gross Margin
70.08%
Net Margin
26.52%
Revenue Growth (YoY)
59.79%
Profit Growth (YoY)
79.15%
3-Year Revenue Growth
71.00%
3-Year Profit Growth
86.50%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
5647.82
PE Ratio (TTM)
7.15
Forward PE
-
PS Ratio (TTM)
1.89
PB Ratio
3.03
Price-to-FCF
0.03
Gross Margin
70.08%
Net Margin
26.52%
Revenue Growth (YoY)
59.79%
Profit Growth (YoY)
79.15%
3-Year Revenue Growth
71.00%
3-Year Profit Growth
86.50%

  • When is KSPI's latest earnings report released?

    The most recent financial report for Joint stock company kaspi.kz (KSPI) covers the period of 2025Q4 and was published on 2025/12/31. 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 6.23, placing it in the Undervalued 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 1.3T with an Operating Margin of 66% this period, representing a growth of 239.83% 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 1.98T, with a Year-Over-Year growth rate of 170.45%. 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 1.26T, accounting for 0.11 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 82.3%%, operating margin of 66%%, and net margin of 15.8%%. 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 declining trend, with the latest EPS at 1.63K. 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 387.87B, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 51.76% 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.

  • What are the PEG ratio and PE ratio of KSPI?

    The latest valuation data shows Joint stock company kaspi.kz (KSPI) has a Price-To-Earnings (PE) ratio of 6.23 and a Price/Earnings-To-Growth (PEG) ratio of -2.12. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.