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JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis

NASDAQ:KSPI - Nasdaq - ADR - Currency: USD

84.38  -0.05 (-0.06%)

After market: 84.736 +0.36 (+0.42%)

Fundamental Rating

4

KSPI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. KSPI has an average financial health and profitability rating. KSPI is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

Each year in the past 5 years KSPI has been profitable.
KSPI had a positive operating cash flow in each of the past 5 years.
KSPI Yearly Net Income VS EBIT VS OCF VS FCFKSPI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200B 400B 600B 800B 1T

1.2 Ratios

Looking at the Return On Assets, with a value of 12.41%, KSPI belongs to the top of the industry, outperforming 92.31% of the companies in the same industry.
The Return On Equity of KSPI (68.53%) is better than 100.00% of its industry peers.
Industry RankSector Rank
ROA 12.41%
ROE 68.53%
ROIC N/A
ROA(3y)12.06%
ROA(5y)11.49%
ROE(3y)72.66%
ROE(5y)74.23%
ROIC(3y)N/A
ROIC(5y)N/A
KSPI Yearly ROA, ROE, ROICKSPI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

1.3 Margins

KSPI has a Profit Margin of 54.58%. This is amongst the best in the industry. KSPI outperforms 98.08% of its industry peers.
In the last couple of years the Profit Margin of KSPI has grown nicely.
KSPI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 54.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.02%
PM growth 5Y2.72%
GM growth 3YN/A
GM growth 5YN/A
KSPI Yearly Profit, Operating, Gross MarginsKSPI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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4

2. Health

2.1 Basic Checks

Compared to 1 year ago, KSPI has more shares outstanding
KSPI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for KSPI has been reduced compared to a year ago.
KSPI Yearly Shares OutstandingKSPI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
KSPI Yearly Total Debt VS Total AssetsKSPI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2T 4T 6T 8T

2.2 Solvency

The Debt to FCF ratio of KSPI is 0.23, which is an excellent value as it means it would take KSPI, only 0.23 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.23, KSPI belongs to the top of the industry, outperforming 94.23% of the companies in the same industry.
KSPI has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.07, KSPI belongs to the best of the industry, outperforming 86.54% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.23
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
KSPI Yearly LT Debt VS Equity VS FCFKSPI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KSPI Yearly Current Assets VS Current LiabilitesKSPI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

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8

3. Growth

3.1 Past

KSPI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.91%, which is quite impressive.
Measured over the past years, KSPI shows a very strong growth in Earnings Per Share. The EPS has been growing by 39.54% on average per year.
The Revenue has grown by 38.10% in the past year. This is a very strong growth!
The Revenue has been growing by 36.22% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)20.91%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%15.69%
Revenue 1Y (TTM)38.1%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%48.67%

3.2 Future

KSPI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.28% yearly.
KSPI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.98% yearly.
EPS Next Y22.94%
EPS Next 2Y22.53%
EPS Next 3Y19.28%
EPS Next 5YN/A
Revenue Next Year18.14%
Revenue Next 2Y19.28%
Revenue Next 3Y16.98%
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
KSPI Yearly Revenue VS EstimatesKSPI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1T 2T 3T 4T
KSPI Yearly EPS VS EstimatesKSPI Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 2K 4K 6K 8K

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
KSPI Price Earnings VS Forward Price EarningsKSPI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
KSPI Per share dataKSPI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

KSPI's earnings are expected to grow with 19.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y22.53%
EPS Next 3Y19.28%

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6

5. Dividend

5.1 Amount

KSPI has a Yearly Dividend Yield of 6.42%, which is a nice return.
KSPI's Dividend Yield is rather good when compared to the industry average which is at 3.66. KSPI pays more dividend than 94.23% of the companies in the same industry.
KSPI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 6.42%

5.2 History

On average, the dividend of KSPI grows each year by 45.57%, which is quite nice.
KSPI has been paying a dividend for over 5 years, so it has already some track record.
KSPI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)45.57%
Div Incr Years3
Div Non Decr Years3
KSPI Yearly Dividends per shareKSPI Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2 4 6 8

5.3 Sustainability

62.14% of the earnings are spent on dividend by KSPI. This is not a sustainable payout ratio.
KSPI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP62.14%
EPS Next 2Y22.53%
EPS Next 3Y19.28%
KSPI Yearly Income VS Free CF VS DividendKSPI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200B 400B 600B 800B 1T
KSPI Dividend Payout.KSPI Dividend Payout, showing the Payout Ratio.KSPI Dividend Payout.PayoutRetained Earnings

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JSC KASPI.KZ ADR

NASDAQ:KSPI (7/2/2025, 8:00:02 PM)

After market: 84.736 +0.36 (+0.42%)

84.38

-0.05 (-0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-12 2025-05-12/bmo
Earnings (Next)07-21 2025-07-21
Inst Owners49.93%
Inst Owner ChangeN/A
Ins Owners22.61%
Ins Owner ChangeN/A
Market Cap16.03B
Analysts82.86
Price Target127.25 (50.81%)
Short Float %1.41%
Short Ratio2.26
Dividend
Industry RankSector Rank
Dividend Yield 6.42%
Yearly DividendN/A
Dividend Growth(5Y)45.57%
DP62.14%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.86%
Min EPS beat(2)-6.39%
Max EPS beat(2)-1.33%
EPS beat(4)0
Avg EPS beat(4)-4.22%
Min EPS beat(4)-6.39%
Max EPS beat(4)-1.33%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)3.43%
Min Revenue beat(2)2.56%
Max Revenue beat(2)4.3%
Revenue beat(4)4
Avg Revenue beat(4)5.02%
Min Revenue beat(4)2.56%
Max Revenue beat(4)7.88%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-5.4%
PT rev (3m)-9.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.51%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-1.68%
Revenue NQ rev (1m)0.49%
Revenue NQ rev (3m)3.69%
Revenue NY rev (1m)5.05%
Revenue NY rev (3m)7.07%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 12.41%
ROE 68.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 54.58%
GM N/A
FCFM 25.52%
ROA(3y)12.06%
ROA(5y)11.49%
ROE(3y)72.66%
ROE(5y)74.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.02%
PM growth 5Y2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.23
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 5.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 46.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.8%
Cap/Sales(5y)4.25%
Profit Quality(3y)112.2%
Profit Quality(5y)115.38%
High Growth Momentum
Growth
EPS 1Y (TTM)20.91%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%15.69%
EPS Next Y22.94%
EPS Next 2Y22.53%
EPS Next 3Y19.28%
EPS Next 5YN/A
Revenue 1Y (TTM)38.1%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%48.67%
Revenue Next Year18.14%
Revenue Next 2Y19.28%
Revenue Next 3Y16.98%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year17.53%
EBIT Next 3Y18.75%
EBIT Next 5YN/A
FCF growth 1Y-53.96%
FCF growth 3Y120.34%
FCF growth 5Y11.71%
OCF growth 1Y-47.39%
OCF growth 3Y102.24%
OCF growth 5Y14.45%