1800-272-662
Shopping Cart 0
countryflagAU
Login

Joint Stock Company Kaspi.kz

Technology US KSPI

74.07USD
0.97(1.33%)

Last update at 2026-03-10T20:00:00Z

Day Range

72.8875.20
LowHigh

52 Week Range

72.73131.77
LowHigh

Fundamentals

  • Previous Close 73.10
  • Market Cap23629.52M
  • Volume772941
  • P/E Ratio-
  • Dividend Yield5.97%
  • EBITDA1618004.02M
  • Revenue TTM2061393.99M
  • Revenue Per Share TTM10867.84
  • Gross Profit TTM 0.00000M
  • Diluted EPS TTM-

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Income before tax 1022004.00M 720574.00M 528802.00M 317824.00M -
Minority interest -7419.00000M -3818.00000M -3300.00000M -2384.00000M -
Net income 841351.00M 585026.00M 431914.00M 260964.00M -
Selling general administrative 29468.00M 4471.00M 3669.00M 1033.00M -
Selling and marketing expenses 21891.00M 24391.00M 8299.00M 45417.00M -
Gross profit 1218454.00M 899829.00M 645010.00M 448211.00M -
Reconciled depreciation - 2849.00M 1876.00M 2035.00M 1709.00M
Ebit - 744893.00M 540918.00M 323911.00M -
Ebitda 998804.00M 747742.00M 542794.00M 325946.00M -
Depreciation and amortization - 2849.00M 1876.00M 2035.00M -
Non operating income net other - - - - -
Operating income 998804.00M 720574.00M 528802.00M 317824.00M -
Other operating expenses 891486.00M 550018.00M 356020.00M 323613.00M -
Interest expense - - - - -
Tax provision 173234.00M 131730.00M 93588.00M 54476.00M -
Interest income - - - - -
Net interest income - - - - -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 173234.00M 131730.00M 93588.00M 54476.00M -
Total revenue 1890290.00M 1283440.00M 889872.00M 647524.00M -
Total operating expenses 219650.00M 166407.00M 111158.00M 124300.00M -
Cost of revenue 671836.00M 383611.00M 244862.00M 199313.00M -
Total other income expense net 23200.00M 16384.00M -4746.00000M -6087.00000M -
Discontinued operations - - - - -
Net income from continuing ops 848770.00M 588844.00M 435214.00M 263348.00M -
Net income applicable to common shares - - - - -
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 6821932.00M 5121647.00M 3607924.00M 2806742.00M -
Intangible assets - 15303.00M 14142.00M 9829.00M 8205.00M
Earning assets - - - - -
Other current assets - - - - -
Total liab 5718719.00M 4295958.00M 3103229.00M 2412082.00M -
Total stockholder equity 1078123.00M 819165.00M 499727.00M 391118.00M -
Deferred long term liab - - - - -
Other current liab 9760.00M 62598.00M 46332.00M 31925.00M -
Common stock 130144.00M 130144.00M 130144.00M 95825.00M -
Capital stock 130144.00M 130144.00M 130144.00M 95825.00M -
Retained earnings 1054945.00M 762500.00M 377852.00M 280828.00M -
Other liab - - - - -
Good will - - - - -
Other assets - - - - -
Cash 820466.00M 615360.00M 342101.00M 330409.00M -
Cash and equivalents - - - - -
Total current liabilities 5537515.00M 4045024.00M 2793952.00M 2170241.00M -
Current deferred revenue 12436.00M 10950.00M - - -
Net debt -658475.00000M -348299.00000M -31636.00000M -97324.00000M -
Short term debt 60260.00M 42733.00M 26679.00M 16080.00M -
Short long term debt 60260.00M 42733.00M 26679.00M 16080.00M -
Short long term debt total 161991.00M 267061.00M 310465.00M 233085.00M -
Other stockholder equity -116685.00000M -73479.00000M -10866.00000M 9294.00M -
Property plant equipment - - - - -
Total current assets 6511988.00M 4915027.00M 3463892.00M 2685081.00M -
Long term investments - 34452.00M 7331.00M 7001.00M 1895.00M
Net tangible assets - - - - -
Short term investments 1377130.00M 1076242.00M 606462.00M 865847.00M -
Net receivables 4266640.00M 3180478.00M 2491234.00M 1450161.00M 1810.00M
Long term debt 161991.00M 224328.00M 283786.00M 217005.00M -
Inventory - - - - -
Accounts payable 5455059.00M 3928743.00M 2720941.00M 2122236.00M -
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 9719.00M -9201.00000M 2597.00M 5171.00M -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 135598.00M 14835.00M 18418.00M 11688.00M -10100.00000M
Deferred long term asset charges - - - - -
Non current assets total 309944.00M 206620.00M 144032.00M 121661.00M 10100.00M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Investments -218360.00000M -487161.00000M 289748.00M -364711.00000M
Change to liabilities - - - -
Total cashflows from investing activities - - - -
Net borrowings - - - -
Total cash from financing activities -675970.00000M -275911.00000M -352580.00000M -177493.00000M
Change to operating activities - - - -
Net income 841351.00M 585026.00M 431914.00M 260964.00M
Change in cash 205106.00M 273259.00M 11692.00M 91269.00M
Begin period cash flow 615360.00M 342101.00M 330409.00M 239140.00M
End period cash flow 820466.00M 615360.00M 342101.00M 330409.00M
Total cash from operating activities 1106128.00M 1020984.00M 70351.00M 617729.00M
Issuance of capital stock - - - -
Depreciation - - - -
Other cashflows from investing activities - - - -
Dividends paid 560132.00M 210102.00M 340362.00M 175368.00M
Change to inventory - - - -
Change to account receivables - - - -
Sale purchase of stock -60703.00000M -63672.00000M 0.00000M -
Other cashflows from financing activities -8574.00000M -2137.00000M -1847.00000M -2125.00000M
Change to netincome - - - -
Capital expenditures 50257.00M 59468.00M 24901.00M 18189.00M
Change receivables - - - -
Cash flows other operating - - - -
Exchange rate changes - - - -
Cash and cash equivalents changes - - - -
Change in working capital 284937.00M 382479.00M -396257.00000M 339873.00M
Stock based compensation - - - -
Other non cash items 788343.00M 516581.00M 348051.00M 189454.00M
Free cash flow 1055871.00M 961516.00M 45450.00M 599540.00M

Peer Comparison

Sector: Technology Industry: Software - Infrastructure

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
KSPI
Joint Stock Company Kaspi.kz		 0.97 1.33% 74.07 - - 0.01 7.51 0.0089 0.02
MSFT
Microsoft Corporation		 -3.65 0.89% 405.76 37.32 29.94 13.03 12.45 13.06 24.59
ORCL
Oracle Corporation		 -2.16 1.43% 149.40 29.34 18.66 5.55 74.06 7.10 18.13
ADBE
Adobe Systems Incorporated		 -7.31 2.59% 275.13 46.32 26.81 11.51 16.73 11.55 31.20
PANW
Palo Alto Networks Inc		 0.48 0.29% 165.58 44.57 45.05 11.98 20.70 11.82 77.11

Reports Covered

Stock Research & News

View All

Profile

Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in the Republic of Kazakhstan. It operates through three segments: Payments Platform, Marketplace Platform, and Fintech Platform. The Payments Platform segment facilities transactions between customers and merchants. This segment offers shopping transactions, regular household bills, and peer to peer payments for consumers; accepts payment online and in store, issue and settle invoices, pay suppliers and monitor merchant turnover. It also provides proprietary data facilities informed decision making across multiple areas of business. Its Marketplace Platform segment connects online, and offline merchants and consumers enabling merchants to enhance its sales through an omni channel strategy and enable consumers to buy products and services from various merchants. This segment also operates marketplace through m-commerce, a mobile solution for shopping in person which consumers can use e-commerce to shop anywhere, anytime with free delivery; Kaspi Travel allows consumers to book domestic and international flights and package holidays, domestic rail tickets. It also enhances merchants sales by connecting payments and fintech products, Kapsi advertising, and other delivery services. The Fintech Platform segment provides consumers with BNPL, finance, and savings products and merchants with merchant finance services through super apps and Kapsi.kz Super app. It also involved in the banking; distressed asset management; real estate business; payment processing; online travel; and storage and processing of information services. The company was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.

Joint Stock Company Kaspi.kz

154A Nauryzbai Batyr Street, Almaty, Kazakhstan, 050013

Key Executives

Name Title Year Born
Mr. Mikheil N. Lomtadze Co-Founder, Executive Director, Chairman of the Management Board & CEO 1977
Mr. Tengiz Mosidze Deputy Chairman of the Management Board & CFO 1976
Mr. Yuri Didenko Deputy Chairman of the Management Board 1974
Mr. Pavel Mironov COO & Deputy Chairman of the Management Board 1979
Ms. Nailya A. Ualibekova Chief Accountant NA
Mr. David Ferguson Head of Investor Relations 1979
Mr. Sabyrzhan Berkinbaev Head of Local Legal 1981
Mr. Arseniy Kochetkov Head of Kaspi Marketing Services NA
Mr. Oleg Bakhmutov Head of People 1982
Mr. Mamuka Kirvalidze Head of Azerbaijan Business 1970

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.