KSPI Stock Overview
Provides payments, marketplace, and fintech solutions for consumers and merchants in Kazakhstan, Azerbaijan, and Ukraine. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 4/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
Community vs My Fair Value
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Joint Stock Company Kaspi.kz Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$86.17 |
| 52 Week High | US$143.72 |
| 52 Week Low | US$77.80 |
| Beta | -0.0072 |
| 1 Month Change | -9.88% |
| 3 Month Change | -4.70% |
| 1 Year Change | -22.53% |
| 3 Year Change | 76.63% |
| 5 Year Change | n/a |
| Change since IPO | 59.28% |
Recent News & Updates
Recent updates
Kaspi: A High-Quality Technology Business Trading On A Dirt Cheap Multiple
Jan 15Kaspi.kz Has Flourished With Growth, But Long-Term Future May Depend On Overseas Expansion
Jan 09
Kaspi's Expansion In Turkey Promises Long-Term Growth Despite Economic Headwinds
Nov 07 Strategic acquisition in Turkey and advanced service integration are expected to drive long-term revenue and earnings growth through technology leverage and operational efficiencies.Hepsiburada Changes Everything For Kaspi
Oct 27Kaspi.kz: Look Beyond The Short Seller Report, But Hold For Now (Downgrade)
Sep 24Kaspi.kz: The Super App Remains Super
Jul 10Kaspi.kz: Kazakh Super App Offers Hypergrowth At Value Prices
May 17Kaspi.kz: Dominant Business With More Room To Grow
Feb 23Shareholder Returns
| KSPI | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 3.5% | 6.7% | 6.8% |
| 1Y | -22.5% | 15.4% | 5.9% |
Return vs Industry: KSPI underperformed the US Consumer Finance industry which returned 15.4% over the past year.
Return vs Market: KSPI underperformed the US Market which returned 5.9% over the past year.
Price Volatility
| KSPI volatility | |
|---|---|
| KSPI Average Weekly Movement | 6.0% |
| Consumer Finance Industry Average Movement | 8.5% |
| Market Average Movement | 7.7% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 4.1% |
Stable Share Price: KSPI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: KSPI's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2008 | n/a | Mikheil Lomtadze | ir.kaspi.kz |
Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in Kazakhstan, Azerbaijan, and Ukraine. It operates in three segments: Payments, Marketplace, and Fintech. The Payments segment offers a platform that facilities transactions between and among merchants and consumers.
Joint Stock Company Kaspi.kz Fundamentals Summary
| KSPI fundamental statistics | |
|---|---|
| Market cap | US$15.95b |
| Earnings (TTM) | US$2.01b |
| Revenue (TTM) | US$4.91b |
8.2x
P/E Ratio3.3x
P/S RatioIs KSPI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| KSPI income statement (TTM) | |
|---|---|
| Revenue | ₸2.54t |
| Cost of Revenue | ₸332.03b |
| Gross Profit | ₸2.21t |
| Other Expenses | ₸1.17t |
| Earnings | ₸1.04t |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.47k |
| Gross Margin | 86.95% |
| Net Profit Margin | 40.87% |
| Debt/Equity Ratio | 8.7% |
How did KSPI perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/14 04:49 |
| End of Day Share Price | 2025/04/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
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 Github.
Analyst Sources
Joint Stock Company Kaspi.kz is covered by 11 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ygal Arounian | Citigroup Inc |
| Ronak Gadhia | EFG-Hermes Research |
| Mikhail Butkov | Goldman Sachs |