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JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis

NASDAQ:KSPI - Nasdaq - ADR - Currency: USD

84.79  +1.73 (+2.08%)

After market: 84.79 0 (0%)

Fundamental Rating

3

Overall KSPI gets a fundamental rating of 3 out of 10. We evaluated KSPI against 52 industry peers in the Consumer Finance industry. KSPI has a medium profitability rating, but doesn't score so well on its financial health evaluation. KSPI is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

KSPI had positive earnings in 4 of the past 5 years.
KSPI had a positive operating cash flow in 4 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 0 200B 400B 600B 800B 1T

1.2 Ratios

Looking at the Return On Assets, with a value of 9.05%, KSPI belongs to the top of the industry, outperforming 86.54% of the companies in the same industry.
With an excellent Return On Equity value of 49.22%, KSPI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 9.05%
ROE 49.22%
ROIC N/A
ROA(3y)11.91%
ROA(5y)10.78%
ROE(3y)78.63%
ROE(5y)73.79%
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 0 20 40 60 80

1.3 Margins

KSPI's Profit Margin of 59.57% is amongst the best of the industry. KSPI outperforms 100.00% of its industry peers.
KSPI's Profit Margin has improved in the last couple of years.
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) 59.57%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.03%
PM growth 5Y9.34%
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 0 20 40

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2

2. Health

2.1 Basic Checks

KSPI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
KSPI Yearly Shares OutstandingKSPI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2T 4T 6T

2.2 Solvency

KSPI has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.23, KSPI belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
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 200B 400B 600B 800B 1T

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 20B 40B 60B 80B 100B

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5

3. Growth

3.1 Past

KSPI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.26%, which is quite impressive.
KSPI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 45.32% yearly.
KSPI shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.39%.
The Revenue has been growing by 38.52% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)45.26%
EPS 3Y48.15%
EPS 5Y45.32%
EPS Q2Q%15.69%
Revenue 1Y (TTM)38.39%
Revenue growth 3Y40.66%
Revenue growth 5Y38.52%
Sales Q2Q%48.67%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

KSPI has a Yearly Dividend Yield of 6.61%, which is a nice return.
Compared to an average industry Dividend Yield of 4.39, KSPI pays a better dividend. On top of this KSPI pays more dividend than 92.31% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, KSPI pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.61%

5.2 History

On average, the dividend of KSPI grows each year by 98.32%, 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)98.32%
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's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
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 0 200B 400B 600B 800B 1T

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JSC KASPI.KZ ADR

NASDAQ:KSPI (6/5/2025, 4:30:02 PM)

After market: 84.79 0 (0%)

84.79

+1.73 (+2.08%)

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 Owners49.58%
Inst Owner ChangeN/A
Ins Owners22.62%
Ins Owner ChangeN/A
Market Cap16.11B
Analysts83.08
Price Target134.51 (58.64%)
Short Float %1.2%
Short Ratio1.82
Dividend
Industry RankSector Rank
Dividend Yield 6.61%
Yearly DividendN/A
Dividend Growth(5Y)98.32%
DP0%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)-3.39%
PT rev (3m)-4.18%
EPS NQ rev (1m)-0.84%
EPS NQ rev (3m)-1.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)3.56%
Revenue NQ rev (3m)2.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.02%
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 9.05%
ROE 49.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 59.57%
GM N/A
FCFM N/A
ROA(3y)11.91%
ROA(5y)10.78%
ROE(3y)78.63%
ROE(5y)73.79%
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 3Y5.03%
PM growth 5Y9.34%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.21%
Cap/Sales(5y)4.08%
Profit Quality(3y)100.13%
Profit Quality(5y)134.86%
High Growth Momentum
Growth
EPS 1Y (TTM)45.26%
EPS 3Y48.15%
EPS 5Y45.32%
EPS Q2Q%15.69%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)38.39%
Revenue growth 3Y40.66%
Revenue growth 5Y38.52%
Sales Q2Q%48.67%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y9.81%
FCF growth 3Y20.76%
FCF growth 5Y111.98%
OCF growth 1Y8.34%
OCF growth 3Y21.43%
OCF growth 5Y98.76%