/KSPI
Joint Stock Company Kaspi.kz
KSPI • NASDAQKSPI • NASDAQ • Technology
$68.84-3.21%-2.28
$68.84-3.21%(-2.28)Technology
GoAI Score
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Valuation
50Fair Value
Sentiment
100Bullish
Risk
100Low Risk
Momentum
14Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
73.5%▲11.2pp
Revenue after COGS
Operating
32.9%▼17.5pp
After operating expenses
Net
26.4%▼14.9pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
7.2
Price vs earnings
EV/EBITDA
5.8
Enterprise value
FCF Yield
N/A
Cash generation
Earnings Yield
13.8%
Inverse of P/E
Capital Efficiency
19
GoAI Quality ScoreStrong
ROEReturn on Equity
41.7%Strong
ROAReturn on Assets
9.4%Strong
ROICReturn on Invested Capital
9.4%Fair
Financial Health
Current RatioWeak
0.00
Short-term solvency (>1.5)
Net Debt / EBITDAManageable
0.03x
Debt repayment capacity (<3x)
Income QualityWeak
0.00
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $3.94T | $2.52T | $1.89T | $1.27T | $885.48B |
| Gross Profit | $2.89T | $1.57T | $1.22T | $1.17T | $812.11B |
| Gross Margin | 73.5% | 62.3% | 64.5% | 91.8% | 91.7% |
| Operating Income | $1.30T | $1.27T | $998.80B | $1.05T | $735.33B |
| Net Income | $1.04T | $1.04T | $841.35B | $585.03B | $431.91B |
| Net Margin | 26.4% | 41.2% | 44.5% | 46.1% | 48.8% |
| EPS | $5464.06 | $5474.35 | $4431.43 | $3051.00 | $2247.00 |
Average Price Target
$97.00▲ 40.9% Upside
Past 12 Months
12 Month Forecast
Based on 5 Wall Street analysts offering 12 month price targets for Joint Stock Company Kaspi.kz, the average price target is $97.00, with a high forecast of $107.00 and a low forecast of $87.00. The average price target represents a 40.9% increase from the current price of $68.84.
Highest
$107.00
Average
$97.00
Lowest
$87.00
Rating Distribution
Strong Buy
0
0%
Buy
1
50%
Hold
1
50%
Sell
0
0%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
JP Morgan▼ Downgrade
Overweight→Neutral
2025-08-20JP Morgan● Maintain
Overweight
2025-08-01Susquehanna● Maintain
Positive
2025-05-13JP Morgan● Maintain
Overweight
2024-12-02JP Morgan● Maintain
Overweight
2024-08-20Earnings History & Surprises
BEAT RATE
36%
Last 14 quarters
AVG SURPRISE
-3.5%
EPS vs Estimate
BEATS / MISSES
5/9
Last 14 quarters
LATEST EPS
$3.09
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
-5.2%
$3.09 vs $3.26
Q4 '25
-36.9%
$2.72 vs $4.31
Q3 '25
+1.1%
$2.69 vs $2.66
Q2 '25
-1.5%
$2.59 vs $2.63
Q1 '25
-9.9%
$3.09 vs $3.43
Q4 '24
-6.2%
$2.72 vs $2.90
Q3 '24
-19.3%
$2.21 vs $2.74
Q2 '24
-1.9%
$2.60 vs $2.65
Q2 '24
-22.9%
$2.05 vs $2.66
Q3 '23
+30.9%
$2.54 vs $1.94
Q2 '23
+9.3%
$2.23 vs $2.04
Q1 '23
+3.6%
$2.01 vs $1.94
No investor questions available.
Latest News
No news available