Joint Stock Company Kaspi.kz Sponsored ADR KSPI

95.67 2.88 3.10% as of 25 Sep
Market cap
$17.8B
P/E
8.7×
Growth Flags show if company had growth for consecutive years
Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
10.69 10.69 9.05 7.19
P/S ratio
0.00 0.00 3.38 1.94
P/FCF ratio
0.00 0.00 17.59 15.96
P/Operating CF
12.94 12.94 29.90 17.03
P/B ratio
8.59 8.59 5.44 3.01
Price to Tangible BV
8.59 8.59 5.44 3.64
EV/Sales
0.00 0.00 3.14 1.64
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
0.00 0.00 13.66 9.84
EV/FCF
0.00 0.00 16.33 13.50
Quick Ratio
0.16 0.16 0.10 0.15
Current Ratio
0.92 0.93 0.97 1.03
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
1.32% 0.91% 0.75% 0.00%
Debt/Equity
0.08 0.06 0.04 0.00
Asset Turnover
0.00 0.32 0.33 0.40
Operating CF/Net income
1.75 1.31 0.56 0.63
Capex/Depreciation
0.00 0.00 0.00 0.00
ROE
0.00% 87.24% 76.21% 49.46%
ROA
0.00% 14.09% 13.40% 10.55%
ROIC
191.63% 214.34% 83.61% 59.74%
Return on Tangible Assets
(313.01%) (361.85%) 1,116.82% 116.54%
Average Days of Receivables
0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
21.36% 21.61% 25.03% 44.62%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.04
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00%
Graham Net Nets
(0.08) (0.08) (0.04) (0.01)
Graham Number
0.00 0.00 64.02 79.65
Earnings Yield
9.35% 9.35% 11.05% 13.91%
Free Cash Flow Yield
0.00% 0.00% 5.68% 6.27%
Revenue per Share
14.58 22.17 28.01 40.34
Operating CF per Share
11.72 12.82 6.44 6.72
Capex per Share
(0.68) (0.58) (1.05) (1.82)
Free Cash Flow per Share
11.04 12.24 5.38 4.90
Cash per Share
7.55 10.05 7.49 12.05
Shareholders Equity per Share
9.47 12.78 17.40 25.94
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
9.47 12.78 17.40 25.94
Free Cash Flow
2,116.50 2,323.40 1,022.04 933.10
Working Capital
(701.24) (895.09) (370.00) 392.39
Capital Expenditures
(129.67) (110.08) (199.93) (346.76)
Net Current Asset Value
(1,005.85) (1,285.90) (720.20) (90.80)
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.05 0.03 0.04 0.05
Net Profit Margin
46.04% 43.97% 41.06% 26.52%
Price to Operating Income
0.00 0.00 6.68 5.88
Other line items
Depreciation/Fixed assets
0.00 0.00 0.00 0.00
Cash ROIC
57.31% 45.83% 13.52% (1.07%)
Accounts Receivable Turnover
0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.00 0.10 0.10 0.12
Inventory Turnover
0.00 0.00 0.00 0.00
Average Days of Payables
5,261.48 4,155.12 3,901.93 3,170.76
Days of Inventory on Hand
0.00 0.00 0.00 0.00
Average Payables
— 10,404.60 12,901.52 14,414.92
Average Assets
— 13,137.94 16,300.08 19,323.62
Average Common Equity
— 2,121.79 2,865.04 4,123.00

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Columns are period end dates