Joint Stock Company Kaspi.kz (KSPI) Stock

About Joint Stock Company Kaspi.kz

Joint Stock Company Kaspi.kz, established in 2008 and based in Almaty, Kazakhstan, operates alongside its subsidiaries to deliver a comprehensive suite of digital services encompassing payments, e-commerce, and financial technology. These offerings cater to both individual consumers and a diverse range of merchants. The company's operations are structured around three core platforms: Payments, Marketplace, and Fintech. The Payments Platform is designed to streamline transactions between customers and businesses. For consumers, it facilitates shopping payments, routine bill settlements, and peer-to-peer money transfers. For merchants, it enables them to accept payments both online and in-store, generate and manage invoices, pay suppliers, and monitor their sales performance. This platform also leverages proprietary data to inform strategic business decisions across various operational areas. The Marketplace Platform functions as an integrated hub, connecting online and physical retailers with consumers. Its primary goal is to boost merchant sales through a robust omnichannel strategy while providing shoppers with access to a vast selection of products and services. Key features include m-commerce, a mobile solution for in-person shopping, and e-commerce capabilities that allow users to shop anywhere, anytime, often with complimentary delivery. The platform also incorporates Kaspi Travel for booking domestic and international flights, holiday packages, and rail tickets. Furthermore, it enhances merchant revenues by integrating payment and fintech products, advertising solutions, and various delivery services. Finally, the Fintech Platform offers a range of financial products, primarily accessed through its Kaspi.kz Super App. Consumers can utilize Buy Now, Pay Later (BNPL) schemes, various lending options, and savings accounts, while merchants benefit from specialized financing services. Beyond these, Kaspi.kz's activities extend to traditional banking, the management of non-performing assets, real estate operations, payment processing, online travel services, and information storage and management.

Joint Stock Company Kaspi.kz is headquartered in KZ.

Joint Stock Company Kaspi.kz (KSPI) stock trades at $89.41 with a market capitalization of $16.99B. The stock is valued at a price-to-earnings (P/E) ratio of 7.66, price-to-book of 2.97, price-to-sales of 1.89. Over the past 52 weeks the stock has ranged between $68.59 and $99.20, and currently trades 9.9% below its 52-week high. It pays a dividend yielding 23.39%.

On profitability, Joint Stock Company Kaspi.kz generates a return on equity (ROE) of 44.34% — well above the market average, a sign of a high-quality business, return on capital employed of 53.85%, an operating margin of 43.34%, a net profit margin of 24.73%.

In its most recent fiscal year, Joint Stock Company Kaspi.kz reported annual revenue of $3.94T, net profit of $1.04T, revenue has compounded at 43.5% a year over the last five years, profit at 31.8% a year.

The balance sheet shows a debt-to-equity ratio of 0.15 — a conservative balance sheet with little leverage risk, a current ratio of 1.26, total assets of $11.08T, $903.1B in cash and equivalents.

KSPI has an average daily trading volume of 480,196 shares, a beta of 0.09 (less volatile than the overall market).

Official website: www.ir.kaspi.kz