Stock KSPI KASPI BANK
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Financials Kaspi Bank Kazakhstan S.E.

Equities

KSPI

KZ1C00001536

End-of-day quote Kazakhstan S.E.
Other stock markets
 03:30:00 13/05/2024 am IST 		5-day change 1st Jan Change
54,711 KZT -0.05% Intraday chart for Kaspi Bank +0.61% +19.98%
07/05 New Street Starts Kaspi.kz With Buy Rating, $175 Price Target MT
30/04 Kaspi.kz Announces Partnership with Alipay+ for QR Payments Across China CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 43,53,731 1,17,39,136 57,99,096 79,54,923 99,54,370 - -
Enterprise Value (EV) 1 43,53,731 1,17,39,136 57,99,096 79,54,923 88,05,766 82,13,124 74,51,331
P/E ratio - - - 9.57 x 9.57 x 7.63 x 6.05 x
Yield - - - - 6.44% 7.51% 9.93%
Capitalization / Revenue 6.79 x 12.5 x 4.41 x 4.16 x 4.42 x 3.59 x 2.8 x
EV / Revenue 6.79 x 12.5 x 4.41 x 4.16 x 3.91 x 2.96 x 2.09 x
EV / EBITDA 13.7 x - - 7.78 x 5.35 x 3.93 x 2.92 x
EV / FCF - - - - 8.28 x 6.35 x 4.83 x
FCF Yield - - - - 12.1% 15.7% 20.7%
Price to Book - - - - 6.39 x 4.7 x 3.62 x
Nbr of stocks (in thousands) 1,91,805 1,92,187 1,90,899 1,89,685 1,90,009 - -
Reference price 2 22,699 61,082 30,378 41,938 52,389 52,389 52,389
Announcement Date 01/03/21 28/02/22 27/02/23 26/02/24 - - -
1KZT in Million2KZT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 5,13,914 6,41,437 9,36,803 13,15,552 19,13,490 22,49,907 27,71,689 35,59,702
EBITDA 1 - 3,17,824 - - 10,22,004 16,45,836 20,90,451 25,47,883
EBIT 1 - 3,17,824 5,28,802 7,20,574 10,22,004 12,86,652 16,23,421 19,76,728
Operating Margin - 49.55% 56.45% 54.77% 53.41% 57.19% 58.57% 55.53%
Earnings before Tax (EBT) 1 - 3,17,824 5,28,802 7,20,574 10,22,004 12,02,743 15,02,888 17,48,900
Net income 1 - 2,60,964 4,35,214 5,88,844 8,48,770 10,63,929 13,10,189 16,03,182
Net margin - 40.68% 46.46% 44.76% 44.36% 47.29% 47.27% 45.04%
EPS 2 - - - - 4,381 5,474 6,869 8,662
Free Cash Flow 1 - - - - - 10,64,000 12,93,000 15,44,000
FCF margin - - - - - 47.29% 46.65% 43.37%
FCF Conversion (EBITDA) - - - - - 64.65% 61.85% 60.6%
FCF Conversion (Net income) - - - - - 100.01% 98.69% 96.31%
Dividend per Share 2 - - - - - 3,374 3,936 5,202
Announcement Date 20/02/20 01/03/21 28/02/22 27/02/23 26/02/24 - - -
1KZT in Million2KZT
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 2,89,157 2,64,321 2,75,842 3,37,529 4,05,901 4,04,258 4,39,257 5,08,436 5,71,353 5,52,814 5,82,487 6,76,950 7,39,217 7,11,524 7,16,087
EBITDA 1 - - - - - - - - - 4,72,410 5,47,000 6,11,000 6,61,000 - -
EBIT 1 1,70,059 1,40,939 1,61,693 2,01,557 2,30,769 2,11,356 2,33,694 2,79,563 3,01,141 5,09,058 2,90,531 3,51,028 3,76,972 3,50,763 3,58,461
Operating Margin 58.81% 53.32% 58.62% 59.72% 56.85% 52.28% 53.2% 54.98% 52.71% 92.08% 49.88% 51.85% 51% 49.3% 50.06%
Earnings before Tax (EBT) - - - - - - - - - - - - - - -
Net income 1 - - - - - - - - 2,47,993 2,23,440 2,41,372 2,91,568 3,13,080 2,91,360 2,97,824
Net margin - - - - - - - - 43.4% 40.42% 41.44% 43.07% 42.35% 40.95% 41.59%
EPS 2 - - - - - - - - - 1,151 1,264 1,490 1,635 1,524 1,558
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 28/02/22 25/04/22 25/07/22 24/10/22 27/02/23 24/04/23 24/07/23 23/10/23 26/02/24 22/04/24 - - - - -
1KZT in Million2KZT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - - - - -
Net Cash position 1 - - - - - 11,48,604 17,41,246 25,03,039
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 1 - - - - - 10,64,000 12,93,000 15,44,000
ROE (net income / shareholders' equity) - 76% 97.7% 89.3% 89.5% 74.9% 71.1% 65.2%
ROA (Net income/ Total Assets) - - 13.6% 13.5% 14.2% 14.5% 15% 15.2%
Assets 1 - - 32,07,343 43,64,782 59,71,786 73,43,011 87,26,446 1,05,69,499
Book Value Per Share 2 - - - - - 8,200 11,153 14,485
Cash Flow per Share - - - - - - - -
Capex 1 - - - - - 54,000 60,000 60,000
Capex / Sales - - - - - 2.4% 2.16% 1.69%
Announcement Date 20/02/20 01/03/21 28/02/22 27/02/23 26/02/24 - - -
1KZT in Million2KZT
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
6
Last Close Price
52,389 KZT
Average target price
65,426 KZT
Spread / Average Target
+24.89%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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