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JSC KASPI.KZ ADR (KSPI) Stock Fundamental Analysis

NASDAQ:KSPI - Nasdaq - ADR - Currency: USD

89.66  +1.28 (+1.45%)

After market: 89.66 0 (0%)

Fundamental Rating

3

Overall KSPI gets a fundamental rating of 3 out of 10. We evaluated KSPI against 53 industry peers in the Consumer Finance industry. KSPI has an average financial health and profitability rating. KSPI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

Of the past 5 years KSPI 4 years were profitable.
Of the past 5 years KSPI 4 years had a positive operating cash flow.
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

The Return On Assets of KSPI (12.76%) is better than 90.57% of its industry peers.
Looking at the Return On Equity, with a value of 72.54%, KSPI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 12.76%
ROE 72.54%
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 has a better Profit Margin (54.62%) than 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) 54.62%
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

There is no outstanding debt for KSPI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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.
KSPI has a better Debt to FCF ratio (0.21) than 92.45% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that KSPI is not too dependend on debt financing.
The Debt to Equity ratio of KSPI (0.10) is better than 84.91% of its industry peers.
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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2

3. Growth

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%68.02%

3.2 Future

KSPI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.93% yearly.
KSPI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.21% yearly.
EPS Next Y24.01%
EPS Next 2Y22.07%
EPS Next 3Y18.93%
EPS Next 5YN/A
Revenue Next Year10.04%
Revenue Next 2Y14.63%
Revenue Next 3Y15.21%
Revenue Next 5YN/A

3.3 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 2027 1T 2T 3T
KSPI Yearly EPS VS EstimatesKSPI Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 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

A more expensive valuation may be justified as KSPI's earnings are expected to grow with 18.93% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y22.07%
EPS Next 3Y18.93%

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6

5. Dividend

5.1 Amount

KSPI has a Yearly Dividend Yield of 6.07%, which is a nice return.
Compared to an average industry Dividend Yield of 4.66, KSPI pays a better dividend. On top of this KSPI pays more dividend than 86.79% 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 2.51.
Industry RankSector Rank
Dividend Yield 6.07%

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

66.41% of the earnings are spent on dividend by KSPI. This is not a sustainable payout ratio.
KSPI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP66.41%
EPS Next 2Y22.07%
EPS Next 3Y18.93%
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 (4/25/2025, 8:19:43 PM)

After market: 89.66 0 (0%)

89.66

+1.28 (+1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-21 2025-04-21
Earnings (Next)07-21 2025-07-21
Inst Owners49.58%
Inst Owner ChangeN/A
Ins Owners22.62%
Ins Owner ChangeN/A
Market Cap17.04B
Analysts83.08
Price Target139.23 (55.29%)
Short Float %0.98%
Short Ratio1.27
Dividend
Industry RankSector Rank
Dividend Yield 6.07%
Yearly DividendN/A
Dividend Growth(5Y)98.32%
DP66.41%
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)0%
PT rev (3m)-3.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.67%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.25%
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 12.76%
ROE 72.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 54.62%
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 67.89%
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)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y24.01%
EPS Next 2Y22.07%
EPS Next 3Y18.93%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%68.02%
Revenue Next Year10.04%
Revenue Next 2Y14.63%
Revenue Next 3Y15.21%
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%