Joint Stock Company Kaspi.kz

DB:KKS Stock Report

Market Cap: €18.5b

Kaspi.kz Past Earnings Performance

Past criteria checks 3/6

Kaspi.kz has been growing earnings at an average annual rate of 33.6%, while the Consumer Finance industry saw earnings growing at 20.9% annually. Revenues have been growing at an average rate of 33.2% per year. Kaspi.kz's return on equity is 71.9%, and it has net margins of 41%.

Key information

33.6%

Earnings growth rate

33.2%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate33.2%
Return on equity71.9%
Net Margin41.0%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Kaspi.kz makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:KKS Revenue, expenses and earnings (KZT Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 242,370,679972,12174,519107,166
30 Jun 242,223,509933,58467,540102,373
31 Mar 242,061,394887,84759,13196,705
31 Dec 231,902,598841,35151,35988,657
30 Sep 231,722,373784,21747,19777,923
30 Jun 231,559,341718,30444,28071,058
31 Mar 231,408,004656,18742,97664,811
31 Dec 221,269,215585,02650,39060,117
30 Sep 221,151,798534,24547,71954,527
30 Jun 221,053,118492,83145,37750,718
31 Mar 22970,264459,76543,16447,783
31 Dec 21885,478431,91432,38744,388
30 Sep 21753,756373,8199,66341,442
30 Jun 21675,046318,18618,65937,019
31 Mar 21611,752272,70523,45332,836
31 Dec 20602,869260,96428,92729,183
30 Sep 20611,615244,43256,48422,905
30 Jun 20586,148233,52462,56525,562
31 Mar 20569,537225,29347,60819,634
31 Dec 19513,914193,79043,19218,891
30 Sep 19467,463158,29338,44017,435
30 Jun 19433,061133,01722,51812,371
31 Mar 19400,437114,15931,51215,975
31 Dec 18375,331105,54028,11414,719
30 Sep 18347,96292,42525,77213,941
30 Jun 18316,93476,46323,28213,306
31 Mar 18282,87277,7979,045379
31 Dec 17275,75349,01520,68212,503
31 Dec 16223,3034,15915,16711,120
31 Dec 1587,583-8,1531,4630

Quality Earnings: KKS has a high level of non-cash earnings.

Growing Profit Margin: KKS's current net profit margins (41%) are lower than last year (45.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: KKS's earnings have grown significantly by 33.6% per year over the past 5 years.

Accelerating Growth: KKS's earnings growth over the past year (24%) is below its 5-year average (33.6% per year).

Earnings vs Industry: KKS earnings growth over the past year (24%) exceeded the Consumer Finance industry 3.2%.

Return on Equity

High ROE: KKS's Return on Equity (71.9%) is considered outstanding.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 16:59
End of Day Share Price 2024/12/17 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Joint Stock Company Kaspi.kz is covered by 13 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Pavan DaswaniCitigroup Inc
Ygal ArounianCitigroup Inc
Catherine O'NeillCitigroup Inc