Halyk Bank of Kazakhstan

Overvaluations Will Undermine Digital Banking Amid Regulatory Risks

AnalystConsensusTarget

Not Invested

Consensus Narrative from 3 Analysts

Published

03 Aug 25

Updated

07 Aug 25

AnalystConsensusTarget's Fair Value

US$25.93

2.8% overvalued

07 Aug

US$26.65

44.1%

2.7%

Author's Valuation

US$25.9

2.8% overvalued

AnalystConsensusTarget Fair Value

Narrative

Updates0

AnalystConsensusTarget Fair Value

US$25.9

2.8% overvalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

7.08%

Banks revenue growth rate

0.22%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

9.89%

Calculation

₸1.22t

Earnings '28

4.06x

PE Ratio '28

₸4.96t

Market Cap '28

₸4.96t

Market Cap '28

268.73m

No. shares '28

₸18.46k

Share Price '28

₸18.46k Share Price '28

Discounted to 2025 @ 9.95% p.a.

₸13.89k

Fair Value '25

₸13.89k Fair Value '25

Converted to USD @ 0.001862 KZT/USD Exchange Rate

US$25.86

Fair Value '25