Friday 6 November 2026 Export KSPI’s income statement to Excel — free account

Joint Stock Company Kaspi.kz Sponsored ADR

Joint Stock Company Kaspi.kz Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $7.7 billion, up 44.6% from fiscal 2024.

Revenue: +20.7%
EPS: +5.19%
Free cash flow: +73.4%
Total debt: −100.0%

Quarter to June 2026, against a year earlier

Revenue growth 3 yrs

91.81 0.23 +0.25%

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Market cap: $17.4B
P/E: 8.5×
Fwd P/E: 6.4×
Dividend yield: —
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
ROE Full definition →	+8 more TTM periods Free account	58.82%	49.46%	44.61%	42.03%
ROA Full definition →		12.11%	10.55%	9.97%	9.06%
ROIC Full definition →		56.95%	59.74%	48.19%	61.43%
Return on Tangible Assets Full definition →		434.72%	116.54%	91.27%	147.77%
Average Days of Receivables Full definition →		0.00	0.00	0.00	0.00
Free Cash Flow per Share Full definition →		3.85	4.90	7.07	10.15
Free Cash Flow Full definition →		732.88	933.10	1,343.06	1,927.55
Capital Expenditures Full definition →		(274.19)	(346.76)	(359.15)	(377.99)
Other line items
Cash ROIC Full definition →		12.26%	12.89%	17.26%	21.86%
Accounts Receivable Turnover Full definition →		0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →		0.12	0.12	0.13	0.13
Inventory Turnover Full definition →		0.00	0.00	0.00	0.00
Average Days of Payables Full definition →		3,261.46	3,170.76	2,976.15	3,142.47
Days of Inventory on Hand Full definition →		0.00	0.00	0.00	0.00
Tax Rate Full definition →		(0.19)	(0.20)	(0.21)	(0.21)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		40.16%	44.62%	45.68%	45.80%
Share Based Compensation of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Operating CF/Net income Full definition →		0.47	0.63	0.84	1.12
Depreciation/Fixed assets Full definition →		0.00	0.00	0.00	0.00
Capex/Depreciation Full definition →		0.00	0.00	0.00	0.00
Revenue per Share Full definition →		37.30	40.34	43.21	45.31
Operating CF per Share Full definition →		5.29	6.72	8.97	12.14
Capex per Share Full definition →		(1.44)	(1.82)	(1.89)	(1.99)
Capex to Sales Full definition →		0.04	0.05	0.04	0.04

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Columns are period end dates · fundamentals updated 26 Oct 2026

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