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JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis

NASDAQ:KSPI - Nasdaq - ADR - Currency: USD

102.15  -1.85 (-1.78%)

After market: 102.15 0 (0%)

Fundamental Rating

4

KSPI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. KSPI has only an average score on both its financial health and profitability. KSPI is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past 5 years KSPI has always been profitable.
KSPI had a positive operating cash flow in each of the past 5 years.
KSPI Yearly Net Income VS EBIT VS OCF VS FCFKSPI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200B 400B 600B 800B 1T

1.2 Ratios

KSPI has a Return On Assets of 12.81%. This is amongst the best in the industry. KSPI outperforms 94.23% of its industry peers.
With an excellent Return On Equity value of 72.83%, KSPI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 12.81%
ROE 72.83%
ROIC N/A
ROA(3y)11.91%
ROA(5y)10.78%
ROE(3y)78.63%
ROE(5y)73.79%
ROIC(3y)N/A
ROIC(5y)N/A
KSPI Yearly ROA, ROE, ROICKSPI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40 60 80

1.3 Margins

KSPI's Profit Margin of 54.84% is amongst the best of the industry. KSPI outperforms 100.00% of its industry peers.
In the last couple of years the Profit Margin of KSPI has grown nicely.
KSPI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 54.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.03%
PM growth 5Y9.34%
GM growth 3YN/A
GM growth 5YN/A
KSPI Yearly Profit, Operating, Gross MarginsKSPI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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4

2. Health

2.1 Basic Checks

Compared to 1 year ago, KSPI has less shares outstanding
The number of shares outstanding for KSPI has been increased compared to 5 years ago.
The debt/assets ratio for KSPI has been reduced compared to a year ago.
KSPI Yearly Shares OutstandingKSPI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M
KSPI Yearly Total Debt VS Total AssetsKSPI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2T 4T 6T

2.2 Solvency

The Debt to FCF ratio of KSPI is 0.21, which is an excellent value as it means it would take KSPI, only 0.21 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.21, KSPI belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that KSPI is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.10, KSPI belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
KSPI Yearly LT Debt VS Equity VS FCFKSPI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B 800B 1T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KSPI Yearly Current Assets VS Current LiabilitesKSPI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B 100B

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5

3. Growth

3.1 Past

KSPI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.36%, which is quite impressive.
KSPI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 45.32% yearly.
The Revenue has grown by 35.87% in the past year. This is a very strong growth!
Measured over the past years, KSPI shows a very strong growth in Revenue. The Revenue has been growing by 38.52% on average per year.
EPS 1Y (TTM)25.36%
EPS 3Y48.15%
EPS 5Y45.32%
EPS Q2Q%18.08%
Revenue 1Y (TTM)35.87%
Revenue growth 3Y40.66%
Revenue growth 5Y38.52%
Sales Q2Q%72.78%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
KSPI Yearly Revenue VS EstimatesKSPI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1T 2T 3T
KSPI Yearly EPS VS EstimatesKSPI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2K 4K 6K 8K

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
KSPI Price Earnings VS Forward Price EarningsKSPI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
KSPI Per share dataKSPI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.91%, KSPI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.09, KSPI pays a better dividend. On top of this KSPI pays more dividend than 86.54% of the companies listed in the same industry.
KSPI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.29.
Industry RankSector Rank
Dividend Yield 4.91%

5.2 History

On average, the dividend of KSPI grows each year by 98.32%, which is quite nice.
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)98.32%
Div Incr Years3
Div Non Decr Years3
KSPI Yearly Dividends per shareKSPI Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2 4 6 8

5.3 Sustainability

KSPI pays out 66.15% of its income as dividend. This is not a sustainable payout ratio.
The dividend of KSPI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP66.15%
EPS Next 2YN/A
EPS Next 3YN/A
KSPI Yearly Income VS Free CF VS DividendKSPI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200B 400B 600B 800B 1T
KSPI Dividend Payout.KSPI Dividend Payout, showing the Payout Ratio.KSPI Dividend Payout.PayoutRetained Earnings

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JSC KASPI.KZ ADR

NASDAQ:KSPI (2/21/2025, 8:00:02 PM)

After market: 102.15 0 (0%)

102.15

-1.85 (-1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-25 2024-11-25/amc
Earnings (Next)02-24 2025-02-24
Inst Owners25.54%
Inst Owner ChangeN/A
Ins Owners0.51%
Ins Owner ChangeN/A
Market Cap19.41B
Analysts83.08
Price Target139.74 (36.8%)
Short Float %1.81%
Short Ratio3.69
Dividend
Industry RankSector Rank
Dividend Yield 4.91%
Yearly Dividend2950.84
Dividend Growth(5Y)98.32%
DP66.15%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.63%
Min EPS beat(2)-5.92%
Max EPS beat(2)-1.33%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)4.83%
Min Revenue beat(2)4.3%
Max Revenue beat(2)5.36%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-3.94%
PT rev (3m)-4.86%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.44%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)-1.01%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)9.84%
Valuation
Industry RankSector 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
Profitability
Industry RankSector Rank
ROA 12.81%
ROE 72.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 54.84%
GM N/A
FCFM 37.08%
ROA(3y)11.91%
ROA(5y)10.78%
ROE(3y)78.63%
ROE(5y)73.79%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.03%
PM growth 5Y9.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.21
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 4.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 67.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.21%
Cap/Sales(5y)4.08%
Profit Quality(3y)100.13%
Profit Quality(5y)134.86%
High Growth Momentum
Growth
EPS 1Y (TTM)25.36%
EPS 3Y48.15%
EPS 5Y45.32%
EPS Q2Q%18.08%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)35.87%
Revenue growth 3Y40.66%
Revenue growth 5Y38.52%
Sales Q2Q%72.78%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.01%
FCF growth 3Y20.76%
FCF growth 5Y111.98%
OCF growth 1Y27.54%
OCF growth 3Y21.43%
OCF growth 5Y98.76%