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Joint Stock Kaspi.kz

(NASDAQ) KSPI

Current Price$87.96
Market Cap$16.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2020)+114%
5 Year+12%
1 Year+6%
1 Month+6%
Joint Stock Kaspi.kz last closing stock price
MetricPriceDate
Last closeUSD 87.912026-07-17
Joint Stock Kaspi.kz stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.96%USD 89.672026-07-10
1 month+5.57%USD 83.272026-06-17
3 month+5.77%USD 83.112026-04-17
Year to date+17.51%USD 74.812025-12-31
1 year+5.98%USD 82.952025-07-17
3 year+25.23%USD 70.202023-06-29
5 year+12.3%USD 78.282021-07-15
Since inception+113.51%USD 41.172020-12-17

Joint Stock Kaspi.kz Financials at a Glance

Market Cap

$16.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

KZT 4.21T

Net Income (TTM)

KZT 1.04T

EPS (TTM)

$10.77

P/E Ratio

8.10

Dividend

$1.74

Beta (Volatility)

0.37 (Low)

Price

$87.96

Volume

284,399

Open

$87.25

Previous Close

$87.91

Daily Range

$85.92 - $88.15

52-Week Range

$68.59 - $99.20

Estimated Earnings Date

Aug 10, 2026

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About Joint Stock Kaspi.kz

Joint Stock Company Kaspi.kz, established in 2008 and based in Almaty, Kazakhstan, operates a comprehensive suite of digital services encompassing payments, e-commerce, and financial technology. The company serves individual consumers and a diverse range of merchants through its three core platforms: Payments, Marketplace, and Fintech.

Products and Services
  • Payments Platform for seamless transactions and invoicing
  • Marketplace Platform connecting retailers with consumers
  • Fintech Platform offering various financial products via the Super App
Growth Outlook
  • Revenue of KZT 1.03 trillion in Q1 2026, indicating strong demand
  • Net income margin of 23.3% in Q1 2026, showcasing profitability
  • Operating income ratio of 29.8% in Q1 2026, reflecting operational efficiency
Financial Highlights
  • TTM revenue of KZT 4.4 trillion, demonstrating consistent growth
  • Net profit margin of 24.7% TTM, indicating robust profitability
  • Dividend yield of 4.3% TTM, appealing for income-focused investors
Kaspi.kz has positioned itself as a leader in the digital services sector in Kazakhstan, leveraging technology to enhance consumer and merchant experiences. The Payments Platform facilitates various transaction types, while the Marketplace Platform enhances sales through an omnichannel approach. The Fintech Platform provides consumers with innovative financial solutions, including Buy Now, Pay Later options and lending services. The company's recent financial performance highlights its strong growth trajectory, with a significant revenue increase in the latest quarter. The net income margin and operating income ratio further emphasize the company's ability to maintain profitability while efficiently managing operational costs. With a solid dividend yield, Kaspi.kz presents an attractive opportunity for investors seeking both growth and income. The company's strategic focus on digital innovation and customer-centric services positions it well for future expansion in the rapidly evolving digital landscape.
AI Generated • Jun 22, 2026

Industry

Consumer Finance

Sector

Financials

CEO

Mikhail Lomtadze, MBA

Website

ir.kaspi.kz

Headquarters

Almaty, AC 050013, KZ

KSPI Financials

Key Financial Metrics (TTM)

Gross Margin

70.79%

Operating Margin

43.34%

Net Income Margin

24.73%

Return on Equity

44.34%

Return on Capital

43.73%

Return on Assets

9.39%

Earnings Yield

12.35%

Dividend Yield

1.98%

Payout Ratio

0.00%

Stock Overview

Market Cap

$16.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

190.02M

Volume

284.40K

Avg. Volume

474.86K

Financials (TTM)

Gross Profit

KZT 2.98T

Operating Income

KZT 1.83T

EBITDA

KZT 2.07T

Operating Cash Flow

KZT 884.79B

Capital Expenditure

-KZT 188.65B

Free Cash Flow

KZT 696.14B

Cash & ST Invst.

KZT 1.98T

Total Debt

KZT 411.64B

Joint Stock Kaspi.kz Performance Analysis

Joint Stock Kaspi.kz annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31KZT 2,843,291,40130.3%
20232023-12-31KZT 4,194,068,50947.5%
20242024-12-31KZT 5,393,630,53128.6%
20252025-12-31KZT 7,763,365,35943.9%
Joint Stock Kaspi.kz sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3018.0%
Q32025-09-3014.5%
Q42025-12-31-0.1%
Q12026-03-31-7.6%
Joint Stock Kaspi.kz annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31KZT 6.5425.4%
20232023-12-31KZT 9.6046.9%
20242024-12-31KZT 11.5720.5%
20252025-12-31KZT 10.73-7.3%
Joint Stock Kaspi.kz sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-300.4%
Q32025-09-308.5%
Q42025-12-31-3.3%
Q12026-03-31-10.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

KZT 1.03T

+24.8%

Gross Profit

KZT 722.88B

+68.1%

Gross Margin

70.50%

N/A

Market Cap

$16.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.19M

N/A

Employees

14,008

N/A

Net Income

KZT 239.02B

-5.2%

EBITDA

KZT 560.07B

+80.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

KZT 1.98T

+3.5%

Total Debt

KZT 411.64B

-32.5%

Accounts Receivable

KZT 7.32T

+20.2%

Inventory

KZT 106.00B

-4.3%

Long Term Debt

KZT 334.79B

-45.1%

Short Term Debt

KZT 76.85B

N/A

Return on Assets

9.39%

N/A

Return on Invested Capital

53.85%

N/A

Free Cash Flow

KZT 53.55B

+135.3%

Operating Cash Flow

KZT 86.51B

+169.4%

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Questions About KSPI

What is the current price of Joint Stock Kaspi.kz?

Joint Stock Kaspi.kz is trading at $87.91 per share.

What is the 52-week range for Joint Stock Kaspi.kz?

Over the past 52 weeks, Joint Stock Kaspi.kz has traded between $68.59 and $99.20.

How much debt does Joint Stock Kaspi.kz have?

As of the most recent reporting period, Joint Stock Kaspi.kz reported total debt of KZT 701.70M.

How much cash does Joint Stock Kaspi.kz have on hand?

Joint Stock Kaspi.kz does not have cash on hand data available.

What is Joint Stock Kaspi.kz’s dividend yield?

Joint Stock Kaspi.kz currently has a dividend yield of 1.98%.

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