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JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis

NASDAQ:KSPI - Nasdaq - ADR - Currency: USD

76.16  -2.74 (-3.47%)

Fundamental Rating

4

Taking everything into account, KSPI scores 4 out of 10 in our fundamental rating. KSPI was compared to 53 industry peers in the Consumer Finance industry. KSPI has only an average score on both its financial health and profitability. 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

In the past 5 years KSPI has always been profitable.
In the past 5 years KSPI always reported a positive cash flow from operatings.
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

KSPI has a Return On Assets of 11.56%. This is amongst the best in the industry. KSPI outperforms 90.57% of its industry peers.
KSPI has a better Return On Equity (62.84%) than 100.00% of its industry peers.
Industry RankSector Rank
ROA 11.56%
ROE 62.84%
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

With an excellent Profit Margin value of 50.38%, KSPI belongs to the best of the industry, outperforming 98.11% of the companies in the same industry.
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) 50.38%
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

The number of shares outstanding for KSPI has been increased compared to 1 year ago.
Compared to 5 years ago, KSPI has less shares outstanding
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 0.77, which is an excellent value as it means it would take KSPI, only 0.77 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.77, KSPI belongs to the top of the industry, outperforming 90.57% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that KSPI is not too dependend on debt financing.
KSPI's Debt to Equity ratio of 0.23 is amongst the best of the industry. KSPI outperforms 84.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.77
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.
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 38.10%.
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%14.77%
Revenue 1Y (TTM)38.1%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%48.67%

3.2 Future

Based on estimates for the next years, KSPI will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.60% on average per year.
Based on estimates for the next years, KSPI will show a quite strong growth in Revenue. The Revenue will grow by 18.09% on average per year.
EPS Next Y18.53%
EPS Next 2Y19.8%
EPS Next 3Y18.6%
EPS Next 5YN/A
Revenue Next Year22.39%
Revenue Next 2Y21.56%
Revenue Next 3Y18.09%
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

A more expensive valuation may be justified as KSPI's earnings are expected to grow with 18.60% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.8%
EPS Next 3Y18.6%

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6

5. Dividend

5.1 Amount

KSPI has a Yearly Dividend Yield of 6.80%, which is a nice return.
Compared to an average industry Dividend Yield of 4.08, KSPI pays a better dividend. On top of this KSPI pays more dividend than 90.57% of the companies listed in the same industry.
KSPI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 6.8%

5.2 History

The dividend of KSPI is nicely growing with an annual growth rate of 45.57%!
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

KSPI pays out 60.14% of its income as dividend. This is not a sustainable payout ratio.
KSPI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.14%
EPS Next 2Y19.8%
EPS Next 3Y18.6%
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 (8/1/2025, 8:00:02 PM)

76.16

-2.74 (-3.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-12 2025-05-12/bmo
Earnings (Next)08-04 2025-08-04/bmo
Inst Owners49.93%
Inst Owner ChangeN/A
Ins Owners22.61%
Ins Owner ChangeN/A
Market Cap14.47B
Analysts82.86
Price Target127.25 (67.08%)
Short Float %0.79%
Short Ratio1.4
Dividend
Industry RankSector Rank
Dividend Yield 6.8%
Yearly DividendN/A
Dividend Growth(5Y)45.57%
DP60.14%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.62%
Min EPS beat(2)-6.86%
Max EPS beat(2)-6.39%
EPS beat(4)0
Avg EPS beat(4)-5.12%
Min EPS beat(4)-6.86%
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)7.62%
Min Revenue beat(2)2.56%
Max Revenue beat(2)12.68%
Revenue beat(4)4
Avg Revenue beat(4)6.22%
Min Revenue beat(4)2.56%
Max Revenue beat(4)12.68%
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)0%
PT rev (3m)-8.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)-3.59%
EPS NY rev (3m)-4.42%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)8.4%
Revenue NY rev (1m)3.6%
Revenue NY rev (3m)11.22%
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 11.56%
ROE 62.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 50.38%
GM N/A
FCFM 24.51%
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-Score3
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.77
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 5.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 48.66%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
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%14.77%
EPS Next Y18.53%
EPS Next 2Y19.8%
EPS Next 3Y18.6%
EPS Next 5YN/A
Revenue 1Y (TTM)38.1%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%48.67%
Revenue Next Year22.39%
Revenue Next 2Y21.56%
Revenue Next 3Y18.09%
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-54.75%
FCF growth 3Y120.34%
FCF growth 5Y11.71%
OCF growth 1Y-47.67%
OCF growth 3Y102.24%
OCF growth 5Y14.45%