P/B
3,3
Kaspi.kz JSC is the payment, marketplace, and Fintech ecosystem in Kazakhstan. The firm provides interconnected technologically seamless products and services that help people to pay, shop and manage their finances. Its operating segment includes the Payments Platform that connects its customers, which consist of both consumers and merchants, to facilitate cashless, digital transactions, the Marketplace Platform that connects merchants and consumers enabling merchants to increase their sales and consumers to buy a broad selection of products and services offered by a variety of merchants, and Fintech Platform that enables customers to manage their personal finances online and access consumer finance and deposit products through the Kaspi.kz Super App.
Kaspi.kz JSC is the payment, marketplace, and Fintech ecosystem in Kazakhstan. The firm provides interconnected technologically seamless products and services that help people to pay, shop and manage their finances. Its operating segment includes the Payments Platform that connects its customers, which consist of both consumers and merchants, to facilitate cashless, digital transactions, the Marketplace Platform that connects merchants and consumers enabling merchants to increase their sales and consumers to buy a broad selection of products and services offered by a variety of merchants, and Fintech Platform that enables customers to manage their personal finances online and access consumer finance and deposit products through the Kaspi.kz Super App.
$18.3B
Market Cap • 9/22/2026
2008
(18 years)
Founded
2019
(7 years ago)
IPO
NASDAQ
Listing Exchange
Kazakhstan
Country
Valuation
P/S
2,1
P/EBITDA
3,8
P/OCF
7,7
P/FCF
9,3
P/E
8,4
BVPS
28,8
EPS
11,4
Market Cap
Market Cap
18,3B
EV
19,8B
EV/Revenue
2,2
EV/EBITDA
4,1
EV/EBIT
4,1
Payout
Dividend Per Share
0
Dividend Yield
0%
Buyback Yield
0,6%
Total Yield
0,6%
Dividend Yield 5Y
1,4%
Payout
0%
Retained Earnings
5,6B
Profitability
Gross Margin
69,6%
EBITDA Margin
54,4%
EBIT Margin
54,4%
Net Margin
23,9%
D&A/EBITDA
0%
R&D/Revenue
5,3%
Capex/Revenue
4,5%
Capex/D&A
0%
Capex/OCF
16,7%
SBC/OCF
—
% PPE
6,2%
% Goodwill
3,8%
ROE
44,2%
ROIC
17,1%
Growth
CAGR Revenue 5Y
39,6%
CAGR Op. Income 5Y
30,5%
CAGR Net Income 5Y
23,1%
CAGR EPS 5Y
24,4%
CAGR OCF 5Y
16,7%
Leverage
N.D./EBITDA
0,3
Debt/Equity
0%
Current Ratio
0
Quick Ratio
0
Interest Coverage
227,5%
Premium
- Unrestricted access
- Unlimited data history
- Analysis videos
- Quarterly highlights
- Customizable financials table
- Ranking
- Discussions
...and much more!