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Joint Stock Company Kaspi.kz American Depository Shares (KSPI)
Price$91.81
Favorite Metrics
Price vs S&P 500 (26W)15.23%
Price vs S&P 500 (4W)16.43%
Market Capitalization$33.16M
P/E Ratio (Annual)6.75x
Indicated Dividend Yield (Annual)1.93%
All Metrics
P/CF (Annual)10.75x
Book Value / Share (Quarterly)$28.02
P/TBV (Annual)3.39x
Indicated Dividend (Annual)$0.02
Cash Flow / Share (Quarterly)$5.52
Payout Ratio (TTM)78.77%
Price vs S&P 500 (YTD)13.58%
EPS (TTM)$12.01
10-Day Avg Trading Volume0.59M
EPS Excl Extra (TTM)$12.01
EPS (Annual)$11.95
Dividend / Share (Annual)$0.00
ROI (Annual)37.71%
P/E Basic Excl Extra (TTM)6.74x
EPS Growth (5Y)32.93%
P/E Normalized (Annual)6.75x
ROA (Last FY)9.68%
EBITD / Share (TTM)$14.89
ROE (5Y Avg)69.50%
Cash Flow / Share (Annual)$5.52
P/B Ratio2.91x
P/B Ratio (Quarterly)2.84x
ROA (TTM)10.55%
EPS Growth QoQ (YoY)-6.85%
EV / EBITDA (TTM)5.69x
EPS Incl Extra (Annual)$11.95
3-Month Avg Trading Volume0.52M
52-Week Price Return7.28%
EV / Free Cash Flow (Annual)15.43x
P/E Incl Extra (TTM)6.74x
Tangible BV / Share (Quarterly)$16.20
52-Week High$99.20
EPS Excl Extra (Annual)$11.95
CapEx CAGR (5Y)58.60%
26-Week Price Return22.12%
13-Week Price Return16.29%
Total Debt / Equity (Annual)0.14x
Enterprise Value$16,185.221
3-Month Return Std Dev43.81%
EBITDA CAGR (5Y)33.19%
EBITDA Interim CAGR (5Y)29.72%
ROE (Last FY)43.07%
EPS Basic Excl Extra (Annual)$11.95
P/FCF (TTM)9.21x
EV / Free Cash Flow (TTM)15.43x
Total Debt / Equity (Quarterly)0.13x
EPS Incl Extra (TTM)$12.01
ROI (TTM)42.68%
Dividend Growth Rate (5Y)45.57%
Tangible BV / Share (Annual)$23.52
Forward P/E7.52x
Free OCF CAGR (5Y)-3.91%
Price vs S&P 500 (52W)-27.35%
P/E Ratio (TTM)6.74x
EPS Growth TTM (YoY)3.71%
Year-to-Date Return17.51%
5-Day Price Return11.50%
EPS Normalized (Annual)$11.95
ROA (5Y Avg)11.56%
Month-to-Date Return23.95%
EBITD / Share (Annual)$14.83
EPS Growth (3Y)22.86%
LT Debt / Equity (Annual)0.00x
P/CF (TTM)10.75x
ROI (5Y Avg)56.12%
P/E Excl Extra (TTM)6.74x
LT Debt / Equity (Quarterly)0.00x
EPS Basic Excl Extra (TTM)$12.01
P/TBV (Quarterly)6.38x
Payout Ratio (Annual)62.14%
P/B Ratio (Annual)2.84x
Dividend / Share (TTM)$0.00
Book Value / Share (Annual)$28.02
Price vs S&P 500 (13W)13.91%
Dividend Yield (TTM)0.00%
Beta0.91x
P/FCF (Annual)14.75x
ROE (TTM)51.03%
52-Week Low$68.59
Industry Peers — Business Services(98)
| Symbol | P/E Ratio (Annual) | Revenue Growth (5Y) | Operating Margin (TTM) | ROE (TTM) | Price |
|---|---|---|---|---|---|
KSPIJoint Stock Company Kaspi.kz American Depository Shares | 6.75x | — | — | 51.03% | $91.81 |
VVISA Inc. | 29.84x | 12.86% | 59.18% | 54.22% | $313.94 |
MAMastercard Incorporated | 30.82x | 16.47% | 57.63% | 198.48% | $516.65 |
UBERUber Technologies, Inc. | 15.70x | 36.10% | 10.70% | 40.31% | $77.49 |
ACNAccenture PLC | 15.73x | 9.47% | 14.42% | 24.71% | $195.06 |
MELIMercado Libre, Inc | 46.96x | 48.70% | 11.08% | 33.73% | $1870.08 |
DASHDoorDash, Inc. Class A Common Stock | 88.19x | 36.58% | 5.27% | 10.15% | $189.80 |
RELXRELX PLC | 23.49x | 3.10% | 27.65% | 90.85% | $36.74 |
EBAYeBay Inc | 23.43x | 4.53% | 20.51% | 42.68% | $107.13 |
PYPLPayPal Holdings, Inc. Common Stock | 9.05x | 9.11% | 18.28% | 25.87% | $51.46 |
BABAAlibaba Group Holding Limited American Depositary Shares, each represents eight Ordinary Shares | 15.46x | 14.35% | 7.82% | 9.06% | $140.17 |
About
Kaspi.kz operates Kazakhstan's integrated payment, marketplace, and fintech ecosystem through a single Super App platform. The company's three segments—payments processing, e-commerce marketplace, and consumer finance—enable cashless transactions, merchant-consumer connections, and digital financial management. By consolidating payments, shopping, and finance in one platform, Kaspi.kz captures multiple revenue streams within Kazakhstan's growing digital economy.