KSPI — Joint Stock Company Kaspi.kz American Depository Shares price, chart and key statistics

Price data

Price

$95.42

YTD price return

+22.13%

YTD total return

+30.39%

Next earnings

Nov 9, 2026 · Before open

Market cap

18.2B2024-03 24.4B2026-11 18.2B-25.5% over the window

Enterprise value

16.4B

Shares outstanding

190.2M2021-12 194.3M2025-12 190.2M-2.1% over the window

52W low

$68.59

52W high

$109.94

From 52W high

-13.21%

From 52W low

+39.12%

52W range

65%$68.59–$110

Volume

Rel volume

1.03×

30D volume

455.6K

30D $ vol

42.5M

Fundamentals

Sales (ttm)

7.8B2021-12 2.1B2025-12 7.8B+274.0% over the window

Sales/share

$40.792021-12 $10.682025-12 $40.79+282.1% over the window

EPS (ttm)

$10.722021-12 $5.212025-12 $10.72+105.8% over the window

FCF (ttm)

941.7M2021-12 106.6M2025-12 941.7M+783.7% over the window

FCF/share

$4.952021-12 $0.552025-12 $4.95+802.8% over the window

Book value/share

$25.842021-12 $5.972025-12 $25.84+332.7% over the window

Net margin

26.39%2021-12 49.2%2025-12 26.4%-46.3% over the window

ROE

41.65%2021-12 87.9%2025-12 41.6%-52.6% over the window

ROA

9.36%2022-12 11.5%2025-12 9.4%-18.9% over the window

Growth (CAGR, ttm) · 10Y

Sales

+44.31%2024-12-31 → 2025-12-315.4B → 7.8B (+44.3% total)+41.16%2022-12-31 → 2025-12-312.8B → 7.8B (+181.3% total)n/an/a

Net income

-8.78%2024-12-31 → 2025-12-312.2B → 2B (-8.8% total)+17.00%2022-12-31 → 2025-12-311.3B → 2B (+60.2% total)n/an/a

FCF

-8.80%2024-12-31 → 2025-12-311B → 941.7M (-8.8% total)-23.29%2022-12-31 → 2025-12-312.1B → 941.7M (-54.9% total)n/an/a

Shares

+0.11%2024-12-31 → 2025-12-31190M → 190.2M (+0.1% total)-0.65%2022-12-31 → 2025-12-31194M → 190.2M (-1.9% total)n/an/a

Per-share growth (CAGR, ttm) · 10Y

EPS

-7.03%2024-12-31 → 2025-12-31$11.53 → $10.72 (-7.0% total)+17.88%2022-12-31 → 2025-12-31$6.55 → $10.72 (+63.8% total)n/an/a

Sales/share

+44.15%2024-12-31 → 2025-12-31$28.30 → $40.79 (+44.1% total)+42.08%2022-12-31 → 2025-12-31$14.22 → $40.79 (+186.9% total)n/an/a

FCF/share

-8.90%2024-12-31 → 2025-12-31$5.43 → $4.95 (-8.9% total)-22.79%2022-12-31 → 2025-12-31$10.76 → $4.95 (-54.0% total)n/an/a

Book value/share

+69.97%2024-12-31 → 2025-12-31$15.21 → $25.84 (+69.9% total)+41.10%2022-12-31 → 2025-12-31$9.20 → $25.84 (+181.0% total)n/an/a

Dividend/share

+11.40%2023-12-31 → 2024-12-31$6.48 → $7.22 (+11.4% total)+20.69%2021-12-31 → 2024-12-31$4.11 → $7.22 (+75.8% total)n/an/a

Price

+29.86%2025-11-04 → 2026-11-04$73.49 → $95.42 (+29.8% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.-0.21%2024-01-19 → 2026-11-04$95.97 → $95.42 (-0.6% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.n/an/a

Total return

+38.66%2025-11-04 → 2026-11-04$68.83 → $95.42 (+38.6% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.+4.48%2024-01-19 → 2026-11-04$84.43 → $95.42 (+13.0% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.n/an/a

Fundamentals end at the last reported quarter; price and total return end at the latest close.

Valuation

P/E (ttm)Price ÷ TTM diluted EPS. Net income carries everything below the operating line, including one-off gains. Negative when the trailing year lost money.

8.9×2024-03 13.102026-11 8.87-32.3% over the window

Fwd P/E

0.0×

P/S (ttm)Market cap ÷ TTM revenue.

2.3×2024-03 5.812026-11 2.34-59.7% over the window

P/B (mrq)Market cap ÷ stockholders' equity at the most recent quarter end.

3.7×2024-03 10.052026-11 3.69-63.3% over the window

P/FCF (ttm)Market cap ÷ TTM free cash flow (operating cash flow − capex).

19.3×2024-03 10.532026-11 19.27+83.0% over the window

EV/Sales (ttm)

2.1×

FCF yield (ttm)TTM free cash flow ÷ market cap — the inverse of P/FCF.

5.19%2023-12 9.5%2025-12 6.3%-33.3% over the window

Dividend yield (fwd)Indicated annual dividend ÷ last close: the last regular payment × payments a year, from our own dividend record. Shown only for a company that pays the same amount each time (raises and cuts allowed), whose payments are on schedule and agree with the dividends it reports paying; a company whose payments vary in size, such as an unequal interim and final, has no forward figure — see the ttm yield.Div yieldIndicated annual dividend ÷ last close: the last regular payment × payments a year, from our own dividend record. Shown only for a company that pays the same amount each time (raises and cuts allowed), whose payments are on schedule and agree with the dividends it reports paying; a company whose payments vary in size, such as an unequal interim and final, has no forward figure — see the ttm yield.

9.01%

Dividend/share (fwd)The indicated annual dividend: the last regular payment × payments a year, for a company that pays the same amount each time.

$8.60

Buyback yield (realized, 1y)1 − shares_at(2025-12-31) ÷ shares_at(2024-12-31) = 1 − 190.2M ÷ 190.0M. Point-in-time share counts from the company's own SEC filings (the same count at both ends), published only when the cash flow statement shows repurchases inside that window. A falling price can't inflate it; negative means net dilution.

-0.11%

Shareholder yield (realized, 1y)Buyback leg + dividend leg: shares retired over the year (-0.11%) + dividends paid over that year ($0) ÷ market_cap_at(2024-12-31) ($18B). Both legs are measured against the start of the window, so a payout can't shrink its own denominator.

-0.11%

Buyback yield (cash, ttm)Buybacks net of issuance over the trailing twelve months ($0) ÷ today's market cap ($18.2B). Dollars SPENT over what the company is worth NOW — a stock that fell after buying reads high.

0.00%2023-12 0.0%2025-12 0.0%

Shareholder yield (cash, ttm)(TTM buybacks net of issuance $0 + TTM dividends $0) ÷ today's market cap ($18.2B). Same caveat as the cash buyback yield.

0.00%2023-12 5.0%2025-12 0.0%-100.0% over the window