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JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:KSPI - ADR

81.84 USD
-1.83 (-2.19%)
Last: 1/9/2026, 8:00:02 PM
81.84 USD
0 (0%)
After Hours: 1/9/2026, 8:00:02 PM
Fundamental Rating

4

KSPI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 55 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

1.2 Ratios

KSPI has a Return On Assets of 10.88%. This is amongst the best in the industry. KSPI outperforms 89.09% of its industry peers.
KSPI has a Return On Equity of 55.92%. This is amongst the best in the industry. KSPI outperforms 100.00% of its industry peers.
Industry RankSector Rank
ROA 10.88%
ROE 55.92%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

KSPI has a better Profit Margin (44.84%) than 96.36% of its industry peers.
KSPI's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for KSPI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 44.84%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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4

2. Health

2.1 Basic Checks

KSPI has more shares outstanding than it did 1 year ago.
KSPI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, KSPI has an improved debt to assets ratio.
KSPI Yearly Shares OutstandingKSPI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2T 4T 6T 8T

2.2 Solvency

The Debt to FCF ratio of KSPI is 0.84, which is an excellent value as it means it would take KSPI, only 0.84 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.84, KSPI belongs to the top of the industry, outperforming 92.73% of the companies in the same industry.
KSPI has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
KSPI's Debt to Equity ratio of 0.11 is amongst the best of the industry. KSPI outperforms 85.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.84
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

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9

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.21% over the past year.
The Earnings Per Share has been growing by 39.54% on average over the past years. This is a very strong growth
KSPI shows a strong growth in Revenue. In the last year, the Revenue has grown by 57.15%.
KSPI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 36.22% yearly.
EPS 1Y (TTM)12.21%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%3.48%
Revenue 1Y (TTM)57.15%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%70.86%

3.2 Future

The Earnings Per Share is expected to grow by 16.07% on average over the next years. This is quite good.
The Revenue is expected to grow by 25.74% on average over the next years. This is a very strong growth
EPS Next Y8.18%
EPS Next 2Y12.29%
EPS Next 3Y16.07%
EPS Next 5YN/A
Revenue Next Year47.35%
Revenue Next 2Y31.76%
Revenue Next 3Y25.74%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
KSPI Yearly Revenue VS EstimatesKSPI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1T 2T 3T 4T 5T
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 16.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.29%
EPS Next 3Y16.07%

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0

5. Dividend

5.1 Amount

No dividends for KSPI!.
Industry RankSector Rank
Dividend Yield 0%

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JSC KASPI.KZ ADR

NASDAQ:KSPI (1/9/2026, 8:00:02 PM)

After market: 81.84 0 (0%)

81.84

-1.83 (-2.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)12-14 2025-12-14/amc
Earnings (Next)02-23 2026-02-23
Inst Owners42.39%
Inst Owner ChangeN/A
Ins Owners44.01%
Ins Owner ChangeN/A
Market Cap15.55B
Revenue(TTM)2.80T
Net Income(TTM)1.09T
Analysts83.33
Price Target117.3 (43.33%)
Short Float %3.2%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)45.57%
DP29.56%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.91%
Min EPS beat(2)-8.95%
Max EPS beat(2)-6.86%
EPS beat(4)0
Avg EPS beat(4)-5.88%
Min EPS beat(4)-8.95%
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)16.45%
Min Revenue beat(2)12.68%
Max Revenue beat(2)20.22%
Revenue beat(4)4
Avg Revenue beat(4)9.94%
Min Revenue beat(4)2.56%
Max Revenue beat(4)20.22%
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)-4.7%
PT rev (3m)-7.58%
EPS NQ rev (1m)-3.73%
EPS NQ rev (3m)-7.01%
EPS NY rev (1m)-6.14%
EPS NY rev (3m)-6.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.1%
Revenue NY rev (1m)6.36%
Revenue NY rev (3m)13.83%
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
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 10.88%
ROE 55.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 44.84%
GM N/A
FCFM 27.3%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.84
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 5.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 60.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
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)12.21%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%3.48%
EPS Next Y8.18%
EPS Next 2Y12.29%
EPS Next 3Y16.07%
EPS Next 5YN/A
Revenue 1Y (TTM)57.15%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%70.86%
Revenue Next Year47.35%
Revenue Next 2Y31.76%
Revenue Next 3Y25.74%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year4.99%
EBIT Next 3Y10.61%
EBIT Next 5YN/A
FCF growth 1Y-48.71%
FCF growth 3Y120.34%
FCF growth 5Y11.71%
OCF growth 1Y-40.88%
OCF growth 3Y102.24%
OCF growth 5Y14.45%

JSC KASPI.KZ ADR / KSPI FAQ

What is the fundamental rating for KSPI stock?

ChartMill assigns a fundamental rating of 4 / 10 to KSPI.


What is the valuation status of JSC KASPI.KZ ADR (KSPI) stock?

ChartMill assigns a valuation rating of 0 / 10 to JSC KASPI.KZ ADR (KSPI). This can be considered as Overvalued.


How profitable is JSC KASPI.KZ ADR (KSPI) stock?

JSC KASPI.KZ ADR (KSPI) has a profitability rating of 4 / 10.


Is the dividend of JSC KASPI.KZ ADR sustainable?

The dividend rating of JSC KASPI.KZ ADR (KSPI) is 0 / 10 and the dividend payout ratio is 29.56%.