JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis
USA - NASDAQ:KSPI - ADR
74.97 USD
-1.83 (-2.38%)
74.97 USD
0 (0%)
KSPI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. KSPI has an average financial health and profitability rating. KSPI is valued quite expensive, but it does show an excellent growth. KSPI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
Each year in the past 5 years KSPI has been profitable.
In the past 5 years KSPI always reported a positive cash flow from operatings.
1.2 Ratios
KSPI's Return On Assets of 10.88% is amongst the best of the industry. KSPI outperforms 89.09% of its industry peers.
KSPI has a better Return On Equity (55.92%) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.88% | ||
| ROE | 55.92% | ||
| ROIC | N/A |
ROA(3y)12.06%
ROA(5y)11.49%
ROE(3y)72.66%
ROE(5y)74.23%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 44.84%, KSPI belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
In the last couple of years the Profit Margin of KSPI has grown nicely.
The Operating Margin and Gross Margin are not available for KSPI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 44.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.02%
PM growth 5Y2.72%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
KSPI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for KSPI has been reduced compared to 5 years ago.
Compared to 1 year ago, KSPI has an improved debt to assets ratio.
2.2 Solvency
KSPI has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
KSPI has a Debt to FCF ratio of 0.84. This is amongst the best in the industry. KSPI outperforms 92.73% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that KSPI is not too dependend on debt financing.
The Debt to Equity ratio of KSPI (0.11) is better than 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
KSPI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.48%, which is quite good.
The Earnings Per Share has been growing by 39.54% on average over the past years. This is a very strong growth
KSPI shows a strong growth in Revenue. In the last year, the Revenue has grown by 46.67%.
The Revenue has been growing by 36.22% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)16.48%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%7.78%
Revenue 1Y (TTM)46.67%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%61.46%
3.2 Future
The Earnings Per Share is expected to grow by 19.21% on average over the next years. This is quite good.
The Revenue is expected to grow by 23.11% on average over the next years. This is a very strong growth
EPS Next Y14.69%
EPS Next 2Y15.61%
EPS Next 3Y19.21%
EPS Next 5YN/A
Revenue Next Year35.01%
Revenue Next 2Y28.1%
Revenue Next 3Y23.11%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
KSPI's earnings are expected to grow with 19.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.61%
EPS Next 3Y19.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.20%, KSPI is a good candidate for dividend investing.
KSPI's Dividend Yield is rather good when compared to the industry average which is at 4.52. KSPI pays more dividend than 90.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.30, KSPI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.2% |
5.2 History
The dividend of KSPI is nicely growing with an annual growth rate of 45.57%!
KSPI has been paying a dividend for over 5 years, so it has already some track record.
KSPI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)45.57%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
29.56% of the earnings are spent on dividend by KSPI. This is a low number and sustainable payout ratio.
The dividend of KSPI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.56%
EPS Next 2Y15.61%
EPS Next 3Y19.21%
74.97
-1.83 (-2.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners43.05%
Inst Owner ChangeN/A
Ins Owners44.01%
Ins Owner ChangeN/A
Market Cap14.25B
Revenue(TTM)2437.72B
Net Income(TTM)1092.96B
Analysts81.43
Price Target126.92 (69.29%)
Short Float %1.42%
Short Ratio1.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.2% |
Yearly DividendN/A
Dividend Growth(5Y)45.57%
DP29.56%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.91%
Min EPS beat(2)-8.95%
Max EPS beat(2)-6.86%
EPS beat(4)0
Avg EPS beat(4)-5.88%
Min EPS beat(4)-8.95%
Max EPS beat(4)-1.33%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)16.45%
Min Revenue beat(2)12.68%
Max Revenue beat(2)20.22%
Revenue beat(4)4
Avg Revenue beat(4)9.94%
Min Revenue beat(4)2.56%
Max Revenue beat(4)20.22%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-0.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.75%
EPS NY rev (1m)-1.18%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)-3.17%
Revenue NQ rev (3m)4.41%
Revenue NY rev (1m)4.3%
Revenue NY rev (3m)10.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | N/A | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.88% | ||
| ROE | 55.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 44.84% | ||
| GM | N/A | ||
| FCFM | 27.3% |
ROA(3y)12.06%
ROA(5y)11.49%
ROE(3y)72.66%
ROE(5y)74.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.02%
PM growth 5Y2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 5.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 60.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.8%
Cap/Sales(5y)4.25%
Profit Quality(3y)112.2%
Profit Quality(5y)115.38%
High Growth Momentum
Growth
EPS 1Y (TTM)16.48%
EPS 3Y34.7%
EPS 5Y39.54%
EPS Q2Q%7.78%
EPS Next Y14.69%
EPS Next 2Y15.61%
EPS Next 3Y19.21%
EPS Next 5YN/A
Revenue 1Y (TTM)46.67%
Revenue growth 3Y35.4%
Revenue growth 5Y36.22%
Sales Q2Q%61.46%
Revenue Next Year35.01%
Revenue Next 2Y28.1%
Revenue Next 3Y23.11%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year11.26%
EBIT Next 3Y18.33%
EBIT Next 5YN/A
FCF growth 1Y-48.71%
FCF growth 3Y120.34%
FCF growth 5Y11.71%
OCF growth 1Y-40.88%
OCF growth 3Y102.24%
OCF growth 5Y14.45%
JSC KASPI.KZ ADR / KSPI FAQ
What is the fundamental rating for KSPI stock?
ChartMill assigns a fundamental rating of 5 / 10 to KSPI.
What is the valuation status for KSPI stock?
ChartMill assigns a valuation rating of 0 / 10 to JSC KASPI.KZ ADR (KSPI). This can be considered as Overvalued.
How profitable is JSC KASPI.KZ ADR (KSPI) stock?
JSC KASPI.KZ ADR (KSPI) has a profitability rating of 4 / 10.
Can you provide the financial health for KSPI stock?
The financial health rating of JSC KASPI.KZ ADR (KSPI) is 4 / 10.
What is the earnings growth outlook for JSC KASPI.KZ ADR?
The Earnings per Share (EPS) of JSC KASPI.KZ ADR (KSPI) is expected to grow by 14.69% in the next year.