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74.55 USD
P/E
6.38
EPS
11.68
P/B
0.01
ROE
51.16
Beta
-0.05
Target Price
102.50 USD
Joint Stock Company Kaspi.kz logo

Joint Stock Company Kaspi.kz

🧾 Earnings Recap – Q3 2025

Kaspi.kz delivered solid growth in Q3 2025, with a 20% increase in top-line revenue year-over-year, despite challenges from supply chain issues in the smartphone sector.

  • Total Payment Volume (TPV) increased 18%, with fintech revenue growing 24% amid high demand across services.
  • Excluding smartphone supply disruptions, marketplace GMV growth was a robust 25%, indicating strong underlying demand.
  • The company is initiating a $100 million ADS buyback in November, reflecting confidence in cash generation and stock valuation.
  • Significant expansion in the e-grocery segment, with GMV and transactions up 53% and 55%, respectively, and plans to enter new cities next year.
  • Launch of innovative payment features like "pay by palm" and enhanced integration with third-party services like Glovo to strengthen its competitive position.
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1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateApril 27, 2026
P/E6.38
EPS11.68
Book Value11908.49
Price to Book0.01
Debt/Equity13.60
% Insiders44.024%
Growth
Revenue Growth0.52%
Earnings Growth-0.10%
Estimates
Forward P/E0.01
Forward EPS6803.44
Target Mean Price102.50

DCF Valuation

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Joint Stock Company Kaspi.kz Logo Joint Stock Company Kaspi.kz Analysis (KSPI)

Kazakhstan Technology Official Website Stock

Is Joint Stock Company Kaspi.kz a good investment? Joint Stock Company Kaspi.kz (KSPI) is currently trading at 74.55 USD. Market analysts have a consensus price target of 102.50 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 6.38. This relatively low multiple may signal that Joint Stock Company Kaspi.kz is undervalued compared to historical market norms.

Earnings Schedule: Joint Stock Company Kaspi.kz is expected to release its next earnings report on April 27, 2026. The market consensus estimate for Forward EPS is 6803.44.

Investor FAQ

Does Joint Stock Company Kaspi.kz pay a dividend?

No, it does not currently pay a dividend.

What asset class is Joint Stock Company Kaspi.kz?

Joint Stock Company Kaspi.kz is classified as a Stock. You can compare it against 4 other assets in the "Related Symbols" list on this page.

When is the next earnings date?

The next earnings date is projected to be April 27, 2026. The company currently has a trailing EPS of 11.68.

Company Profile

Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in Kazakhstan, Azerbaijan, and Ukraine. The company operates through three segments: Payments, Marketplace, and Fintech. The Payments segment offers a platform that facilities transactions between and among merchants and consumers. This segment provides ways for consumers to pay for shopping transactions and regular household bills, as well as make peer to peer payments; and enables merchants to accept payment online and in store, issue and settle invoices, pay suppliers, and monitor merchant turnover. It also offers proprietary data, which facilitates informed decision-making across multiple areas of business. Its Marketplace Platform segment connects both online and offline merchants with consumers, enabling merchants to increase sales through an omnichannel strategy and allowing consumers to purchase products and services from various merchants. This segment operates marketplaces through m-commerce, a mobile solution for shopping in person; e-Commerce, which allows consumers to shop anywhere and anytime with free delivery; and Kaspi Travel that allows consumers to book domestic and international flights, domestic rail tickets, and international package holidays. It also enhances merchants' sales by connecting payments and fintech products, Kapsi advertising, and other delivery services. The Fintech Platform segment provides consumers with buy-now-pay-later, finance and savings products, and merchants with merchant finance services. It also involved in the banking; distressed asset management; real estate business; payment processing; online travel; e-grocery; classifieds; and storage and processing of information services. Joint Stock Company Kaspi.kz was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.

Exchange Ticker
None KSPI
LSE (United Kingdom) 80TE.L
FRA (Germany) KKS.F
PNK (United States) KAKZF
Historical Dividends
Year Total Dividends
2026 1.71 USD
2024 7.32 USD
2023 6.44 USD
2022 2.32 USD
2021 4.07 USD
2020 2.14 USD

Yearly aggregated dividends

Dividends

Joint Stock Company Kaspi.kz
Apr 16, 2026 Upcoming
Dividend
1.7095 USD

Historical Split Corporate Actions

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