JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis
USA - NASDAQ:KSPI - ADR
74.79 USD
+1.78 (+2.44%)
75.49 USD
+0.7 (+0.94%)
Overall KSPI gets a fundamental rating of 5 out of 10. We evaluated KSPI against 55 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. Finally KSPI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
Each year in the past 5 years KSPI has been profitable.
In the past 5 years KSPI always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 10.88%, KSPI belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
With an excellent Return On Equity value of 55.92%, KSPI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of KSPI (44.84%) is better than 96.36% 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 Rank | Sector 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
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
Compared to 1 year ago, KSPI has an improved debt to assets ratio.
2.2 Solvency
KSPI has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.84, KSPI belongs to the best 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.
Looking at the Debt to Equity ratio, with a value of 0.11, KSPI belongs to the top of the industry, outperforming 85.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.48% over the past year.
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.
Looking at the last year, KSPI shows a very strong growth in Revenue. The Revenue has grown by 46.67%.
KSPI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 36.22% yearly.
EPS 1Y (TTM)16.48%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%7.78%
Revenue 1Y (TTM)46.67%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%61.46%
3.2 Future
The Earnings Per Share is expected to grow by 19.21% on average over the next years. This is quite good.
Based on estimates for the next years, KSPI will show a very strong growth in Revenue. The Revenue will grow by 23.11% on average per year.
EPS Next Y14.69%
EPS Next 2Y15.61%
EPS Next 3Y19.21%
EPS Next 5YN/A
Revenue Next Year35.01%
Revenue Next 2Y28.1%
Revenue Next 3Y23.11%
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.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as KSPI's earnings are expected to grow with 19.21% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.61%
EPS Next 3Y19.21%
5. Dividend
5.1 Amount
KSPI has a Yearly Dividend Yield of 7.20%, which is a nice return.
KSPI's Dividend Yield is rather good when compared to the industry average which is at 4.75. KSPI pays more dividend than 90.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, KSPI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.2% |
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
5.3 Sustainability
KSPI pays out 29.56% of its income as dividend. This is a sustainable payout ratio.
KSPI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.56%
EPS Next 2Y15.61%
EPS Next 3Y19.21%
74.79
+1.78 (+2.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners43.05%
Inst Owner ChangeN/A
Ins Owners44.01%
Ins Owner ChangeN/A
Market Cap14.21B
Revenue(TTM)2437.72B
Net Income(TTM)1092.96B
Analysts81.43
Price Target126.92 (69.7%)
Short Float %1.42%
Short Ratio1.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.2% |
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)0%
PT rev (3m)-0.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.75%
EPS NY rev (1m)-1.18%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)-3.17%
Revenue NQ rev (3m)4.41%
Revenue NY rev (1m)4.3%
Revenue NY rev (3m)10.31%
Valuation
| Industry Rank | Sector 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 Rank | Sector 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 Rank | Sector 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)16.48%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%7.78%
EPS Next Y14.69%
EPS Next 2Y15.61%
EPS Next 3Y19.21%
EPS Next 5YN/A
Revenue 1Y (TTM)46.67%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%61.46%
Revenue Next Year35.01%
Revenue Next 2Y28.1%
Revenue Next 3Y23.11%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year11.26%
EBIT Next 3Y18.33%
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 5 / 10 to KSPI.
What is the valuation status for 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.
Can you provide the financial health for KSPI stock?
The financial health rating of JSC KASPI.KZ ADR (KSPI) is 4 / 10.
What is the earnings growth outlook for JSC KASPI.KZ ADR?
The Earnings per Share (EPS) of JSC KASPI.KZ ADR (KSPI) is expected to grow by 14.69% in the next year.