Joint Stock Company Kaspi.kz(KSPI)Earnings, Financials & Key Ratios
KSPI•NASDAQ
$87.32
$16.66B mkt cap·7.5× P/E·Price updated May 6, 2026
AboutJoint 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.Show more
- Revenue$2520.93B+33.4%
- EBITDA$1271.06B+27.3%
- Net Income$1039.74B+23.6%
- EPS (Diluted)5430.77+24.0%
- Gross Margin62.34%-3.3%
- EBITDA Margin50.42%-4.6%
- Operating Margin50.42%-4.6%
- Net Margin41.24%-7.3%
- ROE77.71%-10.9%
- ROIC113.5%-28.8%
- Debt/Equity0.14-30.1%
KSPI Key Insights
Joint Stock Company Kaspi.kz (KSPI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 84.3%
- ✓Strong 5Y profit CAGR of 39.9%
- ✓FCF machine: 19.3% free cash flow margin
- ✓Strong 5Y sales CAGR of 36.9%
- ✓Healthy 5Y average net margin of 44.2%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
KSPI Price & Volume
Joint Stock Company Kaspi.kz (KSPI) stock price & volume — 10-year historical chart
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KSPI Growth Metrics
Joint Stock Company Kaspi.kz (KSPI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years36.88%
3 Years41.73%
TTM53.34%
Profit CAGR
10 Years-
5 Years39.93%
3 Years34.02%
TTM12.64%
EPS CAGR
10 Years-
5 Years40.26%
3 Years34.7%
TTM12.69%
Return on Capital
10 Years63.15%
5 Years66.96%
3 Years57.31%
Last Year92.51%
KSPI Recent Earnings
Joint Stock Company Kaspi.kz (KSPI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Mar 13, 2026EPS
$2.80
Est $3.25
-13.8%
Revenue
$2.3B
Est $2.3B
-3.3%
Q2 2026
Mar 2, 2026EPS
$2.80
Est $3.25
-13.8%
Revenue
$2.3B
Est $2.3B
-3.3%
Q4 2025
Nov 10, 2025EPS
$2.72
Est $4.31
-36.9%
Revenue
$2.0B
Est $2.2B
-9.0%
Q3 2025
Aug 6, 2025EPS
$2.69
Est $2.66
+1.1%
Revenue
$1.9B
Est $1.9B
-3.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 13, 2026 | $2.80vs $3.25-13.8% | $2.3Bvs $2.3B-3.3% |
| Q2 2026 | Mar 2, 2026 | $2.80vs $3.25-13.8% | $2.3Bvs $2.3B-3.3% |
| Q4 2025 | Nov 10, 2025 | $2.72vs $4.31-36.9% | $2.0Bvs $2.2B-9.0% |
| Q3 2025 | Aug 6, 2025 | $2.69vs $2.66+1.1% | $1.9Bvs $1.9B-3.4% |
Based on last 12 quarters of dataView full earnings history →
KSPI Peer Comparison
Joint Stock Company Kaspi.kz (KSPI) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SE | 54.44B | 90.02 | 123.32 | 28.75% | 6.78% | 15.16% | 0.49 | |
 MELI | 93.34B | 1841.14 | 46.74 | 39.06% | 6.91% | 33.73% | 1.69 | |
 GRAB | 14.98B | 3.77 | 59.18 | 20.49% | 10.67% | 5.79% | 0.30 | |
 BEKE | 62.71B | 18.79 | 37.13 | 20.16% | 3.36% | 5.02% | 0.32 | |
 TOST | 14.81B | 28.31 | 50.55 | 24.05% | 5.56% | 16.1% | 0.02 | |
 NU | 55.36B | 14.48 | 36.20 | 44.79% | 23.96% | 0.12 | ||
 PYPL | 42.56B | 46.26 | 8.55 | 4.32% | 25.08% | 0.49 | ||
 FOUR | 3.93B | 42.90 | 14.16 | 29.86% | 5.02% | 8.73% | 2.83 |
Compare KSPI vs Peers
Joint Stock Company Kaspi.kz (KSPI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KSPI Income Statement
Joint Stock Company Kaspi.kz (KSPI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Sales/Revenue | 524.58B | 647.52B | 885.48B | 1.27T | 1.89T | 2.52T | 3.63T |
| Revenue Growth % | - | 23.44% | 36.75% | 43.34% | 48.93% | 33.36% | 53.34% |
| Cost of Goods Sold | 174.19B | 199.31B | 73.37B | 103.89B | 671.84B | 949.47B | 1.3T |
| COGS % of Revenue | 33.2% | 30.78% | 8.29% | 8.19% | 35.54% | 37.66% | - |
| Gross Profit | 350.39B▲ 0% | 448.21B▲ 27.9% | 812.11B▲ 81.2% | 1.17T▲ 43.5% | 1.22T▲ 4.6% | 1.57T▲ 29.0% | 2.33T▲ 0% |
| Gross Margin % | 66.8% | 69.22% | 91.71% | 91.81% | 64.46% | 62.34% | 64.27% |
| Gross Profit Growth % | - | 27.92% | 81.19% | 43.49% | 4.56% | 28.97% | - |
| Operating Expenses | 111.25B | 130.39B | 76.78B | 114.8B | 219.65B | 300.4B | 469.16B |
| OpEx % of Revenue | 21.21% | 20.14% | 8.67% | 9.04% | 11.62% | 11.92% | - |
| Selling, General & Admin | 40.04B | 63.83B | 32.39B | 48.23B | 51.36B | 76.89B | 170.56B |
| SG&A % of Revenue | 7.63% | 9.86% | 3.66% | 3.8% | 2.72% | 3.05% | - |
| Research & Development | 20.33B | 30.82B | 44.39B | 60.81B | 88.66B | 109.55B | 181.18B |
| R&D % of Revenue | 3.88% | 4.76% | 5.01% | 4.79% | 4.69% | 4.35% | - |
| Other Operating Expenses | 50.88B | 35.74B | 0 | 5.76B | 79.63B | 113.96B | 3M |
| Operating Income | 239.14B▲ 0% | 317.82B▲ 32.9% | 735.33B▲ 131.4% | 1.05T▲ 42.9% | 998.8B▼ 4.9% | 1.27T▲ 27.3% | 1.86T▲ 0% |
| Operating Margin % | 45.59% | 49.08% | 83.04% | 82.77% | 52.84% | 50.42% | 51.34% |
| Operating Income Growth % | - | 32.9% | 131.36% | 42.86% | -4.92% | 27.26% | - |
| EBITDA | 240.85B | 319.86B | 748.01B | 1.07T | 998.8B | 1.27T | 1.89T |
| EBITDA Margin % | 45.91% | 49.4% | 84.48% | 84.09% | 52.84% | 50.42% | 52.03% |
| EBITDA Growth % | - | 32.8% | 133.86% | 42.69% | -6.42% | 27.26% | 40.8% |
| D&A (Non-Cash Add-back) | 1.71B | 2.04B | 12.68B | 16.79B | 0 | 0 | 25.3B |
| EBIT | 249.8B | 323.91B | 700.95B | 998.56B | 998.8B | 1.27T | 1.57T |
| Net Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | -464.4B |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 218.29B |
| Other Income/Expense | 0 | 0 | -206.53B | -329.95B | 23.2B | 11.23B | -501.92B |
| Pretax Income | 239.14B▲ 0% | 317.82B▲ 32.9% | 528.8B▲ 66.4% | 720.57B▲ 36.3% | 1.02T▲ 41.8% | 1.28T▲ 25.5% | 1.36T▲ 0% |
| Pretax Margin % | 45.59% | 49.08% | 59.72% | 56.77% | 54.07% | 50.87% | 37.49% |
| Income Tax | 42.02B | 54.48B | 93.59B | 131.73B | 173.23B | 225.46B | 252.39B |
| Effective Tax Rate % | 17.57% | 17.14% | 17.7% | 18.28% | 16.95% | 17.58% | 18.56% |
| Net Income | 193.79B▲ 0% | 260.96B▲ 34.7% | 431.91B▲ 65.5% | 585.03B▲ 35.4% | 841.35B▲ 43.8% | 1.04T▲ 23.6% | 1.1T▲ 0% |
| Net Margin % | 36.94% | 40.3% | 48.78% | 46.09% | 44.51% | 41.24% | 30.32% |
| Net Income Growth % | - | 34.66% | 65.51% | 35.45% | 43.81% | 23.58% | 12.64% |
| Net Income (Continuing) | 197.12B | 263.35B | 435.21B | 588.84B | 848.77B | 1.06T | 1.11T |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 3.59B | 3.54B | 4.97B | 6.52B | 25.09B | 55.64B | 70.82B |
| EPS (Diluted) | 1000.38▲ 0% | 1347.00▲ 34.6% | 2222.00▲ 65.0% | 3016.00▲ 35.7% | 4380.61▲ 45.2% | 5430.77▲ 24.0% | 5762.11▲ 0% |
| EPS Growth % | - | 34.65% | 64.96% | 35.73% | 45.25% | 23.97% | 12.69% |
| EPS (Basic) | 1010.35 | 1361.00 | 2247.00 | 3051.00 | 4431.43 | 5474.35 | - |
| Diluted Shares Outstanding | 193.72M | 193.72M | 194.38M | 193.99M | 192.06M | 191.45M | 190.78M |
| Basic Shares Outstanding | 191.81M | 191.81M | 192.22M | 191.73M | 189.86M | 189.93M | 190.78M |
| Dividend Payout Ratio | 50.41% | 67.2% | 78.8% | 35.91% | 66.58% | 62.14% | - |
KSPI Balance Sheet
Joint Stock Company Kaspi.kz (KSPI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.61T | 1.83T | 2.88T | 3.87T | 5.19T | 5.7T | 7.79T |
| Cash & Short-Term Investments | 239.14B | 330.41B | 342.1B | 615.36B | 820.47B | 2.11T | 501.52B |
| Cash Only | 239.14B | 330.41B | 342.1B | 615.36B | 820.47B | 619.47B | 501.52B |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 1.49T | 0 |
| Accounts Receivable | 1.29T | 1.4T | 2.43T | 3.15T | 4.24T | 3.47T | 6.8T |
| Days Sales Outstanding | 899.04 | 791.73 | 1K | 907.26 | 817.93 | 501.79 | 572.58 |
| Inventory | 0 | 0 | 0 | 0 | 14.37B | 16.2B | 142.28B |
| Days Inventory Outstanding | - | - | - | - | 7.81 | 6.23 | 26.82 |
| Other Current Assets | 80.4B | 98.12B | 104.5B | 101.45B | 118.9B | 57.31B | 348.51B |
| Total Non-Current Assets | 575.93B | 973.66B | 730.59B | 1.25T | 1.63T | 2.67T | 2.55T |
| Property, Plant & Equipment | 52.78B | 60.19B | 70.96B | 116.54B | 142.73B | 193.21B | 427.93B |
| Fixed Asset Turnover | 9.94x | 10.76x | 12.48x | 10.89x | 13.24x | 13.05x | 10.53x |
| Goodwill | 0 | 0 | 0 | 0 | 34.08B | 17.44B | 617.72B |
| Intangible Assets | 8.21B | 9.83B | 14.14B | 15.3B | 31.62B | 76.08B | 0 |
| Long-Term Investments | 473.25B | 865.85B | 606.46B | 1.08T | 1.38T | 64.02B | 2.65T |
| Other Non-Current Assets | 41.7B | 37.8B | 39.02B | 41.94B | 46.69B | 2.32T | 2.88T |
| Total Assets | 2.19T▲ 0% | 2.81T▲ 28.3% | 3.61T▲ 28.5% | 5.12T▲ 42.0% | 6.82T▲ 33.2% | 8.38T▲ 22.8% | 10.35T▲ 0% |
| Asset Turnover | 0.24x | 0.23x | 0.25x | 0.25x | 0.28x | 0.30x | 0.38x |
| Asset Growth % | - | 28.3% | 28.54% | 41.96% | 33.2% | 22.8% | 133.3% |
| Total Current Liabilities | 1.65T | 2.23T | 2.79T | 920.24B | 5.7T | 6.75T | 726.19B |
| Accounts Payable | 1.61T | 2.13T | 2.74T | 0 | 5.46T | 6.5T | 370.18B |
| Days Payables Outstanding | 3.38K | 3.91K | 13.61K | - | 2.96K | 2.5K | 1.43K |
| Short-Term Debt | 13.11B | 78.34B | 26.68B | 16.12B | 222B | 196.98B | 356.01B |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 12.44B | 13.68B | 13.68B |
| Other Current Liabilities | 0 | 3.15B | 0 | 890.52B | 95M | 138M | 0 |
| Current Ratio | 0.98x | 0.82x | 1.03x | 4.21x | 0.91x | 0.84x | 0.84x |
| Quick Ratio | 0.98x | 0.82x | 1.03x | 4.21x | 0.91x | 0.84x | 0.84x |
| Cash Conversion Cycle | - | - | - | - | -2.14K | -1.99K | -834.78 |
| Total Non-Current Liabilities | 246.58B | 179.46B | 309.28B | 3.38T | 181.2B | 52.51B | 7.28T |
| Long-Term Debt | 219.36B | 154.74B | 283.79B | 208.3B | 154M | 24.47B | 82.04B |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 2.37B | 2.32B | 2.51B | 0 | 3.16B | 4.38B | 4.38B |
| Other Non-Current Liabilities | 24.85B | 22.4B | 15.37B | 3.17T | 177.89B | 23.66B | 8.06T |
| Total Liabilities | 1.89T | 2.41T | 3.1T | 4.3T | 5.72T | 6.8T | 8.01T |
| Total Debt | 232.47B | 233.09B | 310.46B | 224.42B | 222.16B | 221.46B | 438.05B |
| Net Debt | -6.67B | -97.32B | -31.64B | -390.94B | -598.31B | -398.01B | -63.47B |
| Debt / Equity | 0.79x | 0.59x | 0.62x | 0.27x | 0.20x | 0.14x | 0.14x |
| Debt / EBITDA | 0.97x | 0.73x | 0.42x | 0.21x | 0.22x | 0.17x | 0.23x |
| Net Debt / EBITDA | -0.03x | -0.30x | -0.04x | -0.37x | -0.60x | -0.31x | -0.31x |
| Interest Coverage | - | - | - | - | - | - | 7.20x |
| Total Equity | 295.62B▲ 0% | 394.66B▲ 33.5% | 504.69B▲ 27.9% | 825.69B▲ 63.6% | 1.1T▲ 33.6% | 1.57T▲ 42.6% | 2.34T▲ 0% |
| Equity Growth % | - | 33.5% | 27.88% | 63.6% | 33.61% | 42.57% | 209.06% |
| Book Value per Share | 1526.06 | 2037.31 | 2596.42 | 4256.32 | 5744.03 | 8215.39 | 12279.68 |
| Total Shareholders' Equity | 292.04B | 391.12B | 499.73B | 819.16B | 1.08T | 1.52T | 2.27T |
| Common Stock | 95.83B | 95.83B | 130.14B | 130.14B | 130.14B | 130.14B | 130.14B |
| Retained Earnings | 195.23B | 280.83B | 377.85B | 762.5B | 1.05T | 1.47T | 2.27T |
| Treasury Stock | 0 | 0 | -32.61B | -94.06B | -152B | -151.52B | -148.09B |
| Accumulated OCI | 472M | 5.17B | 2.6B | 20.07B | 9.72B | 41.03B | 19.25B |
| Minority Interest | 3.59B | 3.54B | 4.97B | 6.52B | 25.09B | 55.64B | 70.82B |
KSPI Cash Flow Statement
Joint Stock Company Kaspi.kz (KSPI) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 296.35B | 617.73B | 70.35B | 1.02T | 1.11T | 581.89B | 581.89B |
| Operating CF Margin % | 56.49% | 95.4% | 7.95% | 80.44% | 58.52% | 23.08% | - |
| Operating CF Growth % | - | 108.45% | -88.61% | 1351.27% | 8.34% | -47.39% | -99.6% |
| Net Income | 0 | 0 | 0 | 0 | 0 | 0 | 1.1T |
| Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 215.83B | 277.86B | 466.61B | 638.5B | 821.19B | 1.16T | 1.36T |
| Working Capital Changes | 80.52B | 339.87B | -396.26B | 382.48B | 284.94B | -582.62B | -855.11B |
| Change in Receivables | -321.68B | -140.66B | -1.06T | -733.34B | -1.14T | -1.62T | -1.78T |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | -30.8B |
| Change in Payables | 417.3B | 489.34B | 597.54B | 1.19T | 1.43T | 1.04T | 1.1T |
| Cash from Investing | -112.86B | -364.71B | 289.75B | -487.16B | -218.36B | -108.36B | -566.93B |
| Capital Expenditures | -16.93B | -18.19B | -24.9B | -59.47B | -50.26B | -95.73B | -141.52B |
| CapEx % of Revenue | 3.23% | 2.81% | 2.81% | 4.69% | 2.66% | 3.8% | - |
| Acquisitions | 0 | -662M | -610M | 0 | -29.05B | 0 | -552.83B |
| Investments | - | - | - | - | - | - | - |
| Other Investing | -11.17B | 694M | 383M | 528M | 221M | 519M | 445M |
| Cash from Financing | -112.24B | -177.49B | -352.58B | -275.91B | -675.97B | -709.77B | 47.55B |
| Debt Issued (Net) | -11.37B | 0 | -10.37B | 0 | -46.56B | -48.77B | 220.37B |
| Equity Issued (Net) | 0 | 0 | 0 | -1000K | -1000K | -1000K | 0 |
| Dividends Paid | -97.7B | -175.37B | -340.36B | -210.1B | -560.13B | -646.06B | -161.51B |
| Share Repurchases | 0 | 0 | 0 | -63.67B | -60.7B | -2.85B | 0 |
| Other Financing | -3.17B | -2.13B | -1.85B | -2.14B | -8.57B | -12.09B | -11.31B |
| Net Change in Cash | 70.67B▲ 0% | 91.27B▲ 29.1% | 11.69B▼ 87.2% | 273.26B▲ 2237.1% | 205.11B▼ 24.9% | -201B▼ 198.0% | -5.12B▲ 0% |
| Free Cash Flow | 279.42B▲ 0% | 599.54B▲ 114.6% | 45.45B▼ 92.4% | 961.52B▲ 2015.5% | 1.06T▲ 9.8% | 486.17B▼ 54.0% | 358.38B▲ 0% |
| FCF Margin % | 53.26% | 92.59% | 5.13% | 75.76% | 55.86% | 19.29% | 9.88% |
| FCF Growth % | - | 114.57% | -92.42% | 2015.55% | 9.81% | -53.96% | -45.7% |
| FCF per Share | 1442.39 | 3094.94 | 233.82 | 4956.49 | 5497.54 | 2539.35 | 2539.35 |
| FCF Conversion (FCF/Net Income) | 1.53x | 2.37x | 0.16x | 1.75x | 1.31x | 0.56x | 0.33x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
KSPI Key Ratios
Joint Stock Company Kaspi.kz (KSPI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 75.61% | 96.05% | 87.95% | 87.24% | 77.71% | 56.89% |
| Return on Invested Capital (ROIC) | 81.31% | 143.17% | 173.58% | 159.44% | 113.5% | 113.5% |
| Gross Margin | 69.22% | 91.71% | 91.81% | 64.46% | 62.34% | 64.27% |
| Net Margin | 40.3% | 48.78% | 46.09% | 44.51% | 41.24% | 30.32% |
| Debt / Equity | 0.59x | 0.62x | 0.27x | 0.20x | 0.14x | 0.14x |
| Interest Coverage | - | - | - | - | - | 7.20x |
| FCF Conversion | 2.37x | 0.16x | 1.75x | 1.31x | 0.56x | 0.33x |
| Revenue Growth | 23.44% | 36.75% | 43.34% | 48.93% | 33.36% | 53.34% |
KSPI Frequently Asked Questions
Joint Stock Company Kaspi.kz (KSPI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Joint Stock Company Kaspi.kz (KSPI) reported $3.63T in revenue for fiscal year 2024. This represents a 591% increase from $524.58B in 2019.
Joint Stock Company Kaspi.kz (KSPI) grew revenue by 33.4% over the past year. This is strong growth.
Yes, Joint Stock Company Kaspi.kz (KSPI) is profitable, generating $1.10T in net income for fiscal year 2024 (41.2% net margin).
Dividend & Returns
Yes, Joint Stock Company Kaspi.kz (KSPI) pays a dividend with a yield of 8.31%. This makes it attractive for income-focused investors.
Joint Stock Company Kaspi.kz (KSPI) has a return on equity (ROE) of 77.7%. This is excellent, indicating efficient use of shareholder capital.
Joint Stock Company Kaspi.kz (KSPI) generated $358.38B in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
Explore More KSPI
Joint Stock Company Kaspi.kz (KSPI) financial analysis — history, returns, DCA and operating performance tools
Full KSPI Stock Analysis
Analyst verdict, bull/bear case, risk factors and peer comparison
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates