Technology / Software - InfrastructureUpdated 2026-05-10 22:07 UTC

KSPI stock hub

Joint Stock Company Kaspi.kz has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

16.3B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

KSPI

In the news

Latest news · KSPI

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7.1

P25 12.5P50 22.3P75 38.6

Trailing P/E7.8

P25 16.3P50 33.5P75 65.6

ROE51.2

P25 -30.7P50 1.5P75 14.4

ROIC84.1

P25 -18.6P50 1.9P75 13.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All KSPI market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

263

Groups with data

Currency

KZT

Showing 263 of 263 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001985487
Company name	Joint Stock Company Kaspi.kz
Country	Kazakhstan
Country code	US
Employees	14,008
Employees Change	4,371%
Employees Change Percent	45.36
Enterprise value	$15.2B
Exchange	NASDAQ
Financial currency	KZT
First seen	2026-05-09
Industry	Software - Infrastructure
IPO Date	2024-01-19
Isin	US48581R2058
Last refreshed	2026-05-10
Market cap	$16.3B
Market cap category	Large-Cap
Price	$85.9
Price currency	USD
Rev Per Employee	569,435.84x
Sector	Technology
Sic	7389
Symbol	KSPI
Website	https://ir.kaspi.kz

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	12.96%
EV Earnings	7.19x
EV Sales Forward	0x
EV/EBIT	3.45x
EV/EBITDA	3.33x
EV/FCF	14.39x
EV/Sales	1.91x
FCF yield	6.47%
Forward P/E	7.07x
P/B ratio	3.32x
P/E ratio	7.79x
P/S ratio	2.05x
PE Ratio3 Y	9.55x
PE Ratio5 Y	12.52x
PS Forward	0x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	55.35%
EBITDA Margin	57.28%
FCF margin	13.25%
Gross margin	70.09%
Gross Profit	$5.6B
Gross Profit Growth	28.12%
Gross Profit Growth Q	19.28%
Gross Profit Growth3 Y	34.48%
Gross Profit Growth5 Y	39.19%
Net Income	$2.1B
Net Income Growth	3.22%
Net Income Growth Q	-8.82%
Net Income Growth Quarters	1%
Net Income Growth Years	5%
Net Income Growth3 Y	22.41%
Net Income Growth5 Y	32.68%
Pretax Margin	32.94%
Profit Margin	26.54%
Profit Per Employee	$151,139
Profitable Years	6
ROA	14.38
Roa5y	14.73
ROCE	23.43
ROE	51.15
Roe5y	80.69
ROIC	84.15
Roic5y	189

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	-3.38%
Div CAGR3	-30.49%
Div CAGR5	-9.99%
EPS Growth	2.96
EPS Growth Q	-9.53
EPS Growth Quarters	1
EPS Growth Years	5
EPS Growth3 Y	22.85
EPS Growth5 Y	32.94
FCF Growth	1.01%
FCF Growth Q	51.98%
FCF Growth3 Y	-20.06%
FCF Growth5 Y	-3.91%
OCF Growth	15.76%
OCF Growth Q	60.67%
OCF Growth3 Y	-12.94%
OCF Growth5 Y	1.75%
Revenue Growth	58.93x
Revenue Growth Q	52.04x
Revenue Growth Quarters	1x
Revenue Growth Years	5x
Revenue Growth3 Y	47.14x
Revenue Growth5 Y	46.32x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.42
Assets	$21.9B
Cash	$1.8B
Current Assets	$18.6B
Current Liabilities	$3.3B
Debt	$697.9M
Debt EBITDA	$0.15
Debt Equity	$0.14
Debt FCF	$0.66
Equity	$5.1B
Interest Coverage	2.46
Liabilities	$16.7B
Long Term Assets	$3.3B
Long Term Liabilities	$13.4B
Net Cash	$1.1B
Net Cash By Market Cap	$6.9
Net Cash Growth	18.53%
Net Debt EBITDA	$-0.25
Net Debt Equity	$-0.22
Net Debt FCF	$-1.07
Tangible Book Value	$3.2B
Tangible Book Value Per Share	$17.05
WACC	12.91

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	5.64
Inventory Turnover	17.19
Net Working Capital	$12.2B
Quick ratio	5.35
Working Capital	$14B
Working Capital Turnover	$0

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.25%
Dividend Growth	0%
Dividend Growth Years	2%
Dividend per share	$7.35
Dividend Years	1
Dividend Yield	8.56%
Ex Div Date	2026-04-16
Last Dividend	$1.77
Payout Frequency	Semi-Annual
Payout Ratio	16.06%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	-3.37%
200-day SMA	79.63
50-day SMA	78.35
50-day SMA vs 200-day SMA	50under200
All Time High	143.7
All Time High Change	-40.23%
All Time High Date	2024-07-18
All Time Low	68.59
All Time Low Change	25.24%
All Time Low Date	2026-03-13
ATR	3.23
Beta	0.08
Beta1y	1.42
Beta2y	1.12
Ch YTD	9.95
High	87.1
High52	99.2
High52 Date	2025-08-13
High52ch	-13.41%
Low	84.02
Low52	68.59
Low52 Date	2026-03-13
Low52ch	25.24%
Ma50ch	9.64%
Premarket Change Percent	1.5
Premarket Price	$87.99
Price vs 200-day SMA	7.87%
RSI	56.29
RSI Monthly	48.72
RSI Weekly	59.93
Sharpe ratio	-0.01x
Sortino ratio	0.15
Total Return	8.31%
Tr YTD	12.37
Tr1m	18.08%
Tr1w	-0.6%
Tr3m	18.98%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	3
Analyst Count Top	1
Analyst Price Target Top	$96
Analyst Ratings	Hold
Analyst Ratings Top	Hold
Earnings EPS Estimate	$2.41
Earnings EPS Estimate Growth	-6.95
Earnings Revenue Estimate	2,120,000,000x
Earnings Revenue Estimate Growth	31.68x
Operating Income	$4.4B
Operating Income Growth	17.14
Operating Income Growth Q	7.13
Operating Income Growth3 Y	30.86
Operating Income Growth5 Y	37.41
Operating margin	55.35
Price target	$104
Price Target Change	$21.46
Price Target Change Top	$11.76

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	88,120,689%
Float Percent	46.32%
Net Borrowing	469,093,766.8
Shares Insiders	46.38%
Shares Institutions	40.4%
Shares Out	190,227,932
Shares Qo Q	0.99%
Shares Yo Y	0.25%
Short Float	2.26%
Short Ratio	4.1
Short Shares	1.05

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$1.1B
Average Volume	589,505.9x
Bv Per Share	25.84
CAPEX	$-360.1M
Ch1m	15.54
Ch1w	-0.6
Ch1y	-5.46
Ch3m	16.41
Ch6m	20.49
Change	-0.91%
Change From Open	-1.08
Close	86.69
Days Gap	0.17
Depreciation Amortization	168,423,318.6
Dollar Volume	52,031,777.5
Earnings Date	2026-05-11
Earnings Time	bmo
EBIT	$4.4B
EBITDA	$4.6B
EPS	$11.03
F Score	5
FCF	$1.1B
FCF EV Yield	6.95x
FCF Per Share	$5.56
Financing CF	296,414,422
Fiscal Year End	December
Founded	2,008
Goodwill	962,362,388.1
Graham Number	82.19643
Graham Upside	-4.31
Income Tax	$521.2M
Investing CF	-1,001,791,219
Ipr	-6.63
Iprfo	-7.14
Is Primary Listing	0
Is Spac	No
Last Earnings Date	2026-03-02
Last Report Date	2025-12-31
Last Split Type	Never
Last10k Filing Date	2026-03-16
Lynch Fair Value	$278
Lynch Upside	223.9
Ma150	76.78
Ma150ch	11.88%
Ma20	85.55
Ma20ch	0.4%
Net CF	559,628,676
Next Earnings Date	2026-05-11
Open	86.84
Optionable	Yes
P FCF Ratio	15.46
P OCF Ratio	12.3
Payment Date	2026-04-22
Position In Range	61.04
Post Close	85.9
Postmarket Change Percent	1.28
Postmarket Price	$87
Ppne	675,610,991.2
Pre Close	86.69
Price Date	2026-05-08
Price EBITDA	$3.58
Ptbv Ratio	5.04
Relative Volume	1.03x
Revenue	7,976,657,262x
Tax By Revenue	6.53x
Tax Rate	19.84%
Tr6m	23.15%
Volume	605,725
Z Score	2.73

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

KSPI dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+8.6%

$7.35 annual per share

Payout ratio

+16.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-10.0%

2 consecutive years of growth

Total shareholder yield

+8.3%

Next ex-dividend date: 2026-04-16

Performance

KSPI stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns KSPI?

Insider, institutional, and short-interest positioning.

Institutional ownership

+40.4%

Float: +46.3% of shares outstanding

Insider ownership

+46.4%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

KSPI momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

56.3

Neutral momentum band

Price vs 200-day MA

+7.9%

50/200-day relationship not available

Beta (5Y)

0.08

Less volatile than the market

Sharpe ratio

-0.01

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About KSPI

Hub-level FAQ points readers to the deeper analysis pages.

What is the current KSPI stock rating?

Joint Stock Company Kaspi.kz is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full KSPI analysis?

The full report lives at /stocks/KSPI/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for KSPI?

The latest report frames KSPI around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the KSPI page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.