Joint Stock Company Kaspi.kz American Depository Shares (KSPI)

Price$81.17

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-2.93%

Price vs S&P 500 (4W)-5.50%

VGM Score57.10

Market Capitalization$34.31M

P/E Ratio (Annual)7.55x

Indicated Dividend Yield (Annual)4.28%

All Metrics

P/CF (Annual)12.04x

Book Value / Share (Quarterly)$29.06

P/TBV (Annual)3.53x

Indicated Dividend (Annual)$0.01

Cash Flow / Share (Quarterly)$7.54

Payout Ratio (TTM)78.77%

Price vs S&P 500 (YTD)-4.27%

EPS (TTM)$11.50

10-Day Avg Trading Volume0.49M

EPS Excl Extra (TTM)$11.50

EPS (Annual)$11.50

Dividend / Share (Annual)$0.00

ROI (Annual)37.71%

P/E Basic Excl Extra (TTM)7.57x

EPS Growth (5Y)32.93%

P/E Normalized (Annual)7.55x

ROA (Last FY)9.68%

EBITD / Share (TTM)$14.47

ROE (5Y Avg)69.50%

Cash Flow / Share (Annual)$5.32

P/B Ratio3.02x

P/B Ratio (Quarterly)2.54x

ROA (TTM)10.06%

EPS Growth QoQ (YoY)-2.51%

EV / EBITDA (TTM)6.18x

EPS Incl Extra (Annual)$11.50

3-Month Avg Trading Volume0.55M

52-Week Price Return-4.27%

EV / Free Cash Flow (Annual)17.18x

P/E Incl Extra (TTM)7.57x

Tangible BV / Share (Quarterly)$15.60

52-Week High$99.20

EPS Excl Extra (Annual)$11.50

CapEx CAGR (5Y)58.60%

26-Week Price Return4.99%

13-Week Price Return8.75%

Total Debt / Equity (Annual)0.14x

Enterprise Value$17.36B

3-Month Return Std Dev38.64%

EBITDA CAGR (5Y)33.19%

EBITDA Interim CAGR (5Y)29.39%

ROE (Last FY)43.07%

EPS Basic Excl Extra (Annual)$11.50

P/FCF (TTM)9.65x

EV / Free Cash Flow (TTM)12.12x

Total Debt / Equity (Quarterly)0.12x

EPS Incl Extra (TTM)$11.50

ROI (TTM)39.00%

Dividend Growth Rate (5Y)45.57%

Tangible BV / Share (Annual)$22.64

Forward P/E6.39x

Free OCF CAGR (5Y)-3.91%

Price vs S&P 500 (52W)-28.64%

P/E Ratio (TTM)7.57x

EPS Growth TTM (YoY)-0.26%

Year-to-Date Return3.89%

5-Day Price Return-9.98%

EPS Normalized (Annual)$11.50

ROA (5Y Avg)11.56%

Month-to-Date Return-10.21%

EBITD / Share (Annual)$14.28

EPS Growth (3Y)22.86%

LT Debt / Equity (Annual)0.13x

P/CF (TTM)9.16x

ROI (5Y Avg)56.12%

P/E Excl Extra (TTM)7.57x

LT Debt / Equity (Quarterly)0.12x

EPS Basic Excl Extra (TTM)$11.50

P/TBV (Quarterly)6.64x

Payout Ratio (Annual)62.14%

P/B Ratio (Annual)2.96x

Dividend / Share (TTM)$0.00

Book Value / Share (Annual)$26.98

Price vs S&P 500 (13W)0.49%

Dividend Yield (TTM)0.00%

Beta0.88x

P/FCF (Annual)16.51x

ROE (TTM)45.54%

52-Week Low$68.59

vGradeC

gGradeC

mGradeB

vgmGradeC

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Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

4.00

4.09

Industry Peers — Business Services(117)

Symbol	Value Score	Growth Score	Momentum Score	Price
KSPIJoint Stock Company Kaspi.kz American Depository Shares	C	C	B	$81.17
VVISA Inc.	D	C	B	$323.57
MAMastercard Incorporated	D	B	C	$491.08
UBERUber Technologies, Inc.	C	C	C	$70.71
ACNAccenture PLC	B	C	D	$178.25
MELIMercado Libre, Inc	C	B	C	$1607.80
DASHDoorDash, Inc. Class A Common Stock	D	B	C	$156.80
RELXRELX PLC	D	C	C	$35.15
EBAYeBay Inc	D	D	A	$109.35
MSCIMSCI, Inc.	D	C	B	$615.46
BABAAlibaba Group Holding Limited American Depositary Shares, each represents eight Ordinary Shares	C	D	B	$121.06

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.