Joint Stock Company Kaspi.kz
Financials
Valuation Metrics
Joint Stock Company Kaspi.kz's Market Cap is $17.73B. Ranked #644 of 3,118 in US market (top 21%), #202 of 1,474 on NASDAQ (top 14%), #57 of 271 in Software & Services (top 21%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $17.73B | US#644/3,118 Sec#57/271 |
| Net Income | $2.01B | US#338/3,118 Sec#19/271 |
| Total Assets | $24.13B | US#549/3,118 Sec#22/271 |
| Net Assets | $5.28B | US#668/3,118 Sec#38/271 |
| Employees | 14,008 | US#704/3,118 Sec#50/271 |
| Value | ||
| P/E | 8.82x | US#243/3,118 Sec#14/271 |
| P/B | 3.36x | US#1,877/3,118 Sec#105/271 |
| P/S | 3.01x | US#1,699/3,118 Sec#128/271 |
| EV/EBITDA | 5.09x | US#181/3,118 Sec#12/271 |
| FCF Yield | 10.37% | US#526/3,118 Sec#43/271 |
| Profitability | ||
| ROE | 38.07% | US#196/3,118 Sec#25/271 |
| ROA | 8.33% | US#622/3,118 Sec#81/271 |
| Financial Health | ||
| Debt Ratio | 353.41% | US#2,205/3,118 Sec#202/271 |
| Total Debt | $2.42B | US#1,054/3,118 Sec#66/271 |
| FCF | $1.84B | US#380/3,118 Sec#26/271 |
| Cash | $2.00B | US#422/3,118 Sec#31/271 |
| Current Ratio | 2.30x | US#1,066/3,118 Sec#63/271 |
| Net Debt/EBITDA | 0.12x | US#637/3,118 Sec#90/271 |
| Dividend | ||
| Div. Yield | 3.52% | US#462/3,118 Sec#16/271 |
| Div. Growth | 15.34% | US#332/3,118 Sec#14/271 |
| Performance | ||
| 1Y Return | 24.78% | US#991/3,118 Sec#70/271 |
| 1M Return | -0.78% | US#2,040/3,118 Sec#198/271 |
| From 52W High | -15.12% | US#1,306/3,118 Sec#108/271 |
| 1Y MDD | -18.21% | US#498/3,118 Sec#4/271 |
| Trading | ||
| Volume | 279,380 shares | US#1,996/3,118 Sec#209/271 |
| Trading Value | $26M | US#1,305/3,118 Sec#135/271 |
| Per Share | ||
| EPS | $10.58 | US#271/3,118 Sec#22/271 |
| BPS | $27.80 | US#953/3,118 Sec#48/271 |
Company Info
Joint Stock Company Kaspi.kz, established in 2008 and based in Almaty, Kazakhstan, operates alongside its subsidiaries to deliver a comprehensive suite of digital services encompassing payments, e-commerce, and financial technology. These offerings cater to both individual consumers and a diverse range of merchants. The company's operations are structured around three core platforms: Payments, Marketplace, and Fintech. The Payments Platform is designed to streamline transactions between customers and businesses. For consumers, it facilitates shopping payments, routine bill settlements, and peer-to-peer money transfers. For merchants, it enables them to accept payments both online and in-store, generate and manage invoices, pay suppliers, and monitor their sales performance. This platform also leverages proprietary data to inform strategic business decisions across various operational areas. The Marketplace Platform functions as an integrated hub, connecting online and physical retailers with consumers. Its primary goal is to boost merchant sales through a robust omnichannel strategy while providing shoppers with access to a vast selection of products and services. Key features include m-commerce, a mobile solution for in-person shopping, and e-commerce capabilities that allow users to shop anywhere, anytime, often with complimentary delivery. The platform also incorporates Kaspi Travel for booking domestic and international flights, holiday packages, and rail tickets. Furthermore, it enhances merchant revenues by integrating payment and fintech products, advertising solutions, and various delivery services. Finally, the Fintech Platform offers a range of financial products, primarily accessed through its Kaspi.kz Super App. Consumers can utilize Buy Now, Pay Later (BNPL) schemes, various lending options, and savings accounts, while merchants benefit from specialized financing services. Beyond these, Kaspi.kz's activities extend to traditional banking, the management of non-performing assets, real estate operations, payment processing, online travel services, and information storage and management.