Joint Stock Company Kaspi.kz KSPI

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Price alert · KSPI

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91.27 USD -3.39 -3.58%

At close · Oct 30

91.27 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
91.26 × 2
Ask
91.34 × 2
90.43 Day range 93.91
68.84 52-week range 108.75
YTD
+16.82%
1 year
+25.01%
Open
93.01
Prev close
94.66
Mkt cap
17.34B
Vol
550.32K
Avg vol
579.58K
EPS
10.91
P/E
8.37
Div yield
6.06%
More statistics
Low
90.43
High
93.91
Forward P/E
0.01
Beta
0.18
Short ratio
1.55
Inst. own
47.39%
Dividend
5.74
Ex-div date
Sep 9, 2026
Earnings
Nov 9, 2026
50-d avg
97.75
200-d avg
86.42
1y target
104.73

5D chart

Chart tools
Interval

Signals (140)
NameTimeAgo
RSI: OverboughtOct 29, 3:55 PM2 days ago
RSI: OverboughtOct 29, 3:35 PM2 days ago
MACD: Buy SignalOct 29, 2:55 PM2 days ago
SMA: BullishOct 29, 2:50 PM2 days ago
SMA: BullishOct 29, 2:45 PM2 days ago
SMA: BearishOct 29, 2:30 PM2 days ago
SMA: BullishOct 29, 2:20 PM2 days ago
SMA: BearishOct 29, 1:45 PM2 days ago
SMA: BearishOct 29, 1:45 PM2 days ago
SMA: BullishOct 29, 1:40 PM2 days ago
SMA: BullishOct 29, 1:40 PM2 days ago
SMA: BearishOct 29, 1:30 PM2 days ago
SMA: BullishOct 29, 1:20 PM2 days ago
SMA: BullishOct 29, 1:20 PM2 days ago
SMA: BearishOct 29, 1:10 PM2 days ago
SMA: BearishOct 29, 1:10 PM2 days ago
SMA: BullishOct 29, 12:55 PM2 days ago
SMA: BearishOct 29, 12:45 PM2 days ago
SMA: BullishOct 29, 12:40 PM2 days ago
SMA: BearishOct 29, 12:10 PM2 days ago
RSI: OverboughtOct 29, 11:55 AM2 days ago
MACD: Sell SignalOct 29, 11:40 AM2 days ago
MACD: Buy SignalOct 29, 11:30 AM2 days ago
RSI: OverboughtOct 29, 11:25 AM2 days ago
MACD: Sell SignalOct 29, 11:20 AM2 days ago
RSI: OverboughtOct 29, 11:15 AM2 days ago
RSI: OverboughtOct 29, 10:30 AM2 days ago
RSI: OverboughtOct 29, 10:05 AM2 days ago
SMA: BullishOct 29, 9:30 AM2 days ago
MACD: Buy SignalOct 29, 9:30 AM2 days ago
RSI: OverboughtOct 29, 9:30 AM2 days ago
SMA: BearishOct 28, 3:50 PM3 days ago
SMA: BullishOct 28, 3:45 PM3 days ago
SMA: BullishOct 28, 3:40 PM3 days ago
MACD: Sell SignalOct 28, 3:10 PM3 days ago
SMA: BearishOct 28, 3:05 PM3 days ago
SMA: BearishOct 28, 3:05 PM3 days ago
SMA: BullishOct 28, 3:00 PM3 days ago
SMA: BullishOct 28, 3:00 PM3 days ago
SMA: BearishOct 28, 2:55 PM3 days ago
SMA: BearishOct 28, 2:55 PM3 days ago
MACD: Buy SignalOct 28, 2:35 PM3 days ago
SMA: BullishOct 28, 2:30 PM3 days ago
SMA: BullishOct 28, 2:30 PM3 days ago
SMA: BearishOct 28, 2:00 PM3 days ago
SMA: BearishOct 28, 2:00 PM3 days ago
SMA: BullishOct 28, 1:50 PM3 days ago
SMA: BullishOct 28, 1:50 PM3 days ago
MACD: Sell SignalOct 28, 1:15 PM3 days ago
SMA: BearishOct 28, 1:10 PM3 days ago
SMA: BullishOct 28, 12:10 PM3 days ago
SMA: BullishOct 28, 12:10 PM3 days ago
MACD: Buy SignalOct 28, 12:10 PM3 days ago
SMA: BearishOct 28, 12:05 PM3 days ago
SMA: BearishOct 28, 12:05 PM3 days ago
MACD: Sell SignalOct 28, 12:05 PM3 days ago
MACD: Buy SignalOct 28, 11:45 AM3 days ago
SMA: BullishOct 28, 11:10 AM3 days ago
SMA: BullishOct 28, 11:10 AM3 days ago
SMA: BearishOct 28, 10:55 AM3 days ago
MACD: Sell SignalOct 28, 10:30 AM3 days ago
SMA: BearishOct 28, 10:20 AM3 days ago
SMA: BullishOct 28, 9:30 AM3 days ago
SMA: BearishOct 27, 3:55 PM4 days ago
SMA: BullishOct 27, 3:40 PM4 days ago
SMA: BullishOct 27, 2:55 PM4 days ago
MACD: Buy SignalOct 27, 2:45 PM4 days ago
SMA: BullishOct 27, 2:30 PM4 days ago
SMA: BearishOct 27, 1:20 PM4 days ago
SMA: BearishOct 27, 1:20 PM4 days ago
SMA: BullishOct 27, 1:15 PM4 days ago
SMA: BullishOct 27, 1:15 PM4 days ago
SMA: BearishOct 27, 1:00 PM4 days ago
SMA: BullishOct 27, 12:55 PM4 days ago
SMA: BearishOct 27, 12:40 PM4 days ago
MACD: Sell SignalOct 27, 12:40 PM4 days ago
SMA: BearishOct 27, 12:25 PM4 days ago
MACD: Buy SignalOct 27, 11:40 AM4 days ago
SMA: BullishOct 27, 11:25 AM4 days ago
SMA: BearishOct 27, 10:50 AM4 days ago
MACD: Sell SignalOct 27, 10:50 AM4 days ago
SMA: BullishOct 27, 10:45 AM4 days ago
SMA: BearishOct 27, 10:35 AM4 days ago
SMA: BullishOct 27, 10:05 AM4 days ago
SMA: BullishOct 27, 10:05 AM4 days ago
SMA: BearishOct 27, 10:00 AM4 days ago
SMA: BearishOct 27, 10:00 AM4 days ago
SMA: BullishOct 27, 9:30 AM4 days ago
SMA: BullishOct 27, 9:30 AM4 days ago
SMA: BearishOct 26, 3:55 PM5 days ago
MACD: Buy SignalOct 26, 3:35 PM5 days ago
SMA: BullishOct 26, 3:30 PM5 days ago
RSI: OversoldOct 26, 3:00 PM5 days ago
MACD: Sell SignalOct 26, 2:00 PM5 days ago
MACD: Buy SignalOct 26, 1:55 PM5 days ago
MACD: Sell SignalOct 26, 1:45 PM5 days ago
SMA: BearishOct 26, 1:40 PM5 days ago
SMA: BearishOct 26, 1:40 PM5 days ago
MACD: Buy SignalOct 26, 1:25 PM5 days ago
SMA: BullishOct 26, 1:20 PM5 days ago
SMA: BullishOct 26, 1:20 PM5 days ago
SMA: BearishOct 26, 12:50 PM5 days ago
SMA: BullishOct 26, 12:40 PM5 days ago
SMA: BearishOct 26, 12:35 PM5 days ago
MACD: Sell SignalOct 26, 12:35 PM5 days ago
SMA: BearishOct 26, 12:25 PM5 days ago
SMA: BullishOct 26, 12:20 PM5 days ago
SMA: BearishOct 26, 12:10 PM5 days ago
SMA: BullishOct 26, 12:05 PM5 days ago
SMA: BearishOct 26, 11:55 AM5 days ago
SMA: BullishOct 26, 11:20 AM5 days ago
MACD: Buy SignalOct 26, 10:35 AM5 days ago
SMA: BullishOct 26, 10:30 AM5 days ago
SMA: BearishOct 26, 10:25 AM5 days ago
SMA: BullishOct 26, 10:05 AM5 days ago
RSI: OversoldOct 26, 9:55 AM5 days ago
RSI: OversoldOct 26, 9:30 AM5 days ago
SMA: BearishOct 23, 3:50 PM1 week ago
SMA: BearishOct 23, 3:50 PM1 week ago
MACD: Sell SignalOct 23, 3:50 PM1 week ago
MACD: Buy SignalOct 23, 3:25 PM1 week ago
MACD: Sell SignalOct 23, 3:15 PM1 week ago
MACD: Buy SignalOct 23, 2:35 PM1 week ago
SMA: BullishOct 23, 2:10 PM1 week ago
SMA: BullishOct 23, 2:05 PM1 week ago
SMA: BearishOct 23, 2:00 PM1 week ago
SMA: BearishOct 23, 2:00 PM1 week ago
SMA: BullishOct 23, 1:55 PM1 week ago
SMA: BullishOct 23, 1:55 PM1 week ago
SMA: BearishOct 23, 1:45 PM1 week ago
SMA: BearishOct 23, 1:35 PM1 week ago
SMA: BullishOct 23, 1:30 PM1 week ago
SMA: BearishOct 23, 1:20 PM1 week ago
SMA: BullishOct 23, 1:15 PM1 week ago
SMA: BearishOct 23, 1:10 PM1 week ago
SMA: BearishOct 23, 12:10 PM1 week ago
SMA: BullishOct 23, 11:50 AM1 week ago
SMA: BearishOct 23, 11:40 AM1 week ago
RSI: OverboughtOct 23, 11:15 AM1 week ago
SMA: BullishOct 23, 10:30 AM1 week ago

Financial health

Altman Z-Score

1.86 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 4
  • P/B 3

Valuation

P/E 7.2×
FY 2019: 36.4×FY 2020: 29.7×FY 2021: 18.6×FY 2022: 14.5×FY 2023: 9.8×FY 2024: 9.1×FY 2025: 7.2×
FY 2019 5y median 9.8× FY 2025
P/S 1.9×
FY 2019: 13.4×FY 2020: 12.0×FY 2021: 9.1×FY 2022: 6.7×FY 2023: 4.4×FY 2024: 3.7×FY 2025: 1.9×
FY 2019 5y median 4.4× FY 2025
P/B 3.0×
FY 2019: 24.1×FY 2020: 19.8×FY 2021: 16.1×FY 2022: 10.4×FY 2023: 7.7×FY 2024: 6.2×FY 2025: 3.0×
FY 2019 5y median 7.7× FY 2025
P/FCF 15.3×
FY 2019: 25.2×FY 2020: 12.9×FY 2021: 176×FY 2022: 8.9×FY 2023: 7.8×FY 2024: 19.4×FY 2025: 15.3×
FY 2019 5y median 15.3× FY 2025
EV/EBITDA 3.3×
FY 2019: 28.0×FY 2020: 23.0×FY 2021: 11.2×FY 2022: 8.0×FY 2023: 7.5×FY 2024: 7.0×FY 2025: 3.3×
FY 2019 5y median 7.5× FY 2025
EV/Sales 1.8×
FY 2019: 13.4×FY 2020: 11.8×FY 2021: 9.0×FY 2022: 6.4×FY 2023: 4.1×FY 2024: 3.6×FY 2025: 1.8×
FY 2019 5y median 4.1× FY 2025
FCF Yield 6.5%
FY 2019: 4.0%FY 2020: 7.7%FY 2021: 0.6%FY 2022: 11.3%FY 2023: 12.8%FY 2024: 5.2%FY 2025: 6.5%
FY 2019 5y median 6.5% FY 2025

Profitability

Gross Margin 73.5%
FY 2019: 66.8%FY 2020: 69.2%FY 2021: 91.7%FY 2022: 91.8%FY 2023: 64.5%FY 2024: 62.3%FY 2025: 73.5%
FY 2019 5y median 73.5% FY 2025
Operating Margin 32.9%
FY 2019: 45.6%FY 2020: 49.1%FY 2021: 83.0%FY 2022: 82.8%FY 2023: 52.8%FY 2024: 50.4%FY 2025: 32.9%
FY 2019 5y median 52.8% FY 2025
Net Margin 26.4%
FY 2019: 36.9%FY 2020: 40.3%FY 2021: 48.8%FY 2022: 46.1%FY 2023: 44.5%FY 2024: 41.2%FY 2025: 26.4%
FY 2019 5y median 44.5% FY 2025
ROE 41.7%
FY 2019: 66.4%FY 2020: 66.7%FY 2021: 86.4%FY 2022: 71.4%FY 2023: 78.0%FY 2024: 68.5%FY 2025: 41.7%
FY 2019 5y median 71.4% FY 2025
ROIC 32.6%
FY 2019: 35.5%FY 2020: 40.4%FY 2021: 72.0%FY 2022: 77.5%FY 2023: 61.7%FY 2024: 57.5%FY 2025: 32.6%
FY 2019 5y median 61.7% FY 2025
ROA 9.4%
FY 2019: 8.9%FY 2020: 9.3%FY 2021: 12.0%FY 2022: 11.4%FY 2023: 12.3%FY 2024: 12.4%FY 2025: 9.4%
FY 2019 5y median 12.0% FY 2025

Growth (YoY)

Revenue 56.1%
FY 2019: 0.0%FY 2020: 23.4%FY 2021: 36.7%FY 2022: 43.3%FY 2023: 48.9%FY 2024: 33.4%FY 2025: 56.1%
FY 2019 FY 2025
Operating Income 1.9%
FY 2019: 0.0%FY 2020: 32.9%FY 2021: 131.4%FY 2022: 42.9%FY 2023: -4.9%FY 2024: 27.3%FY 2025: 1.9%
FY 2019 FY 2025
EPS (diluted) 0.6%
FY 2019: 0.0%FY 2020: 34.6%FY 2021: 65.0%FY 2022: 35.7%FY 2023: 45.2%FY 2024: 24.0%FY 2025: 0.6%
FY 2019 FY 2025
Free Cash Flow 1.0%
FY 2019: 0.0%FY 2020: 114.6%FY 2021: -92.4%FY 2022: 2015.5%FY 2023: 9.8%FY 2024: -54.0%FY 2025: 1.0%
FY 2019 FY 2025

Financial Health

Current Ratio 1.2×
FY 2019: 1.3×FY 2020: 1.2×FY 2021: 1.2×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 1.2×
FY 2019 5y median 1.2× FY 2025
Quick Ratio 1.2×
FY 2019: 1.3×FY 2020: 1.2×FY 2021: 1.2×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 1.2×
FY 2019 5y median 1.2× FY 2025
Debt / Equity 0.2×
FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2019 5y median 0.2× FY 2025
Net Debt / EBITDA -0.2×
FY 2019: -0.0×FY 2020: -0.3×FY 2021: -0.0×FY 2022: -0.3×FY 2023: -0.6×FY 2024: -0.3×FY 2025: -0.2×
FY 2019 5y median -0.3× FY 2025
Interest Coverage 1.5×
FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.5×
FY 2019 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2019: 1.4%FY 2020: 2.3%FY 2021: 4.2%FY 2022: 2.5%FY 2023: 6.8%FY 2024: 6.8%FY 2025: 0.0%
FY 2019 5y median 4.2% FY 2025
Payout Ratio 0.0%
FY 2019: 50.4%FY 2020: 67.2%FY 2021: 78.8%FY 2022: 35.9%FY 2023: 66.6%FY 2024: 62.1%FY 2025: 0.0%
FY 2019 5y median 62.1% FY 2025

Annual · latest fiscal year ends 2025-12-31