KSPI
Joint Stock Company Kaspi.kz
NASDAQ: KSPI · TECHNOLOGY · SOFTWARE - INFRASTRUCTURE
$91.49
+0.77% today
Updated 2026-10-28
Market cap
$17.71B
P/E ratio
8.54
P/S ratio
1.89x
EPS (TTM)
$10.91
Dividend yield
—
52W range
$64 – $108
Volume
0.6M
WallStSmart proprietary scores
55
out of 100
Grade: C+
Hold
Investment rating
6.7
Growth
B6.5
Quality
B7.5
Profitability
B+6.7
Valuation
B5/9
Piotroski F-Score
Moderate
1.5
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →270 stocks currently score above 75
Price targets
Analyst target
$106.13
+16.00%
12-Month target
$72.48
-20.78%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy4 Buy3 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 24.10% — above average
+ ROE 39.49% — strong efficiency
+ Free cash flow $655.01B — positive
+ Revenue growth 13.60% QoQ
+ Debt/equity 0.46x — low leverage
Risks
- Altman Z 1.45 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $1.27T | $1.89T | $2.52T | $3.94T | $3.64T |
| Net income | $585.03B | $841.35B | $1.04T | $1.04T | $257.15B |
| EPS | — | — | — | — | $10.91 |
| Free cash flow | $961.52B | $1.06T | $486.17B | $491.10B | $655.01B |
| Profit margin | 46.09% | 44.51% | 41.24% | 26.39% | 24.10% |
Peer comparison
Smart narrative
Joint Stock Company Kaspi.kz trades at $91.49. representing a P/E of 8.54x trailing earnings. Our Smart Value Score of 55/100 indicates the stock is fair. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of 1.45, it sits in the distress. TTM revenue stands at $3.64T. with profit margins at 24.10%.
Frequently asked questions
What is Joint Stock Company Kaspi.kz's stock price?
Joint Stock Company Kaspi.kz (KSPI) trades at $91.49, on a P/E of 8.5x and a P/S of 1.9x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Joint Stock Company Kaspi.kz overvalued?
Joint Stock Company Kaspi.kz carries a Smart Value Score of 55/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Joint Stock Company Kaspi.kz (KSPI)?
The 12-month analyst consensus target is $106.13, about 16.0% above the current $91.49. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Joint Stock Company Kaspi.kz's revenue?
Joint Stock Company Kaspi.kz's trailing twelve-month revenue is $3.64T. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Joint Stock Company Kaspi.kz's Altman Z-Score is 1.45, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorTECHNOLOGY
IndustrySOFTWARE - INFRASTRUCTURE
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio1.89x
ROE39.49%
Beta0.18
50D MA$98.67
200D MA$85.84
Shares out0.19B
Float0.10B
Short ratio—
Avg volume0.6M
Performance
1 week-2.91%
1 month-5.25%
3 months+4.19%
YTD+16.20%
1 year+21.10%
3 years—
5 years—