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JSC Kaspi.kz ADR (KSPI) | Financial Analysis & Statements

JSC Kaspi.kz ADR | Large-cap | Technology

$76.85

-0.98%

JSC Kaspi.kz ADR vs Microsoft JSC Kaspi.kz ADR vs Oracle JSC Kaspi.kz ADR vs Palo Alto Networks JSC Kaspi.kz ADR vs CrowdStrike Holdings JSC Kaspi.kz ADR vs Synopsys JSC Kaspi.kz ADR vs S&P 500 | Market

TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 1.8B

Gross Profit 1.2B 70.38%

Operating Income 992.5M 55.93%

Net Income 473.4M 26.68%

EPS (Diluted) $1,343.00

Balance Sheet Metrics

Total Assets 18.4B

Total Liabilities 14.7B

Shareholders Equity 3.7B

Debt to Equity 3.95

Cash Flow Metrics

Operating Cash Flow 580.6M

Free Cash Flow 728.8M

Revenue & Profitability Trend

Interactive Financial Charts Not Available

This page uses interactive financial charts and dynamic data visualization tools that require JavaScript. For detailed financial analysis:

Available Financial Data:

Income statements (annual and quarterly)
Balance sheets with asset and liability details
Cash flow statements and free cash flow analysis
Key financial ratios and performance metrics
Peer comparison and industry benchmarking

All financial data is displayed in accessible table format below. Use the table headers and structure to analyze trends and compare metrics across different periods.

JSC Kaspi.kz ADR Income Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Revenue i	4.6B	1.9T	1.3T	889.6B	647.5B
Cost of Goods Sold i	1.7B	671.8B	383.6B	244.9B	199.3B
Gross Profit i	2.9B	1.2T	870.6B	644.7B	448.2B
Gross Margin % i	62.3%	64.5%	69.4%	72.5%	69.2%
Operating Expenses
Research & Development i	200.5M	88.7B	60.8B	44.4B	30.8B
Selling, General & Administrative i	140.7M	51.4B	50.4B	32.4B	63.8B
Other Operating Expenses i	208.6M	79.6B	55.2B	34.4B	27.6B
Total Operating Expenses i	549.8M	219.6B	166.4B	111.2B	122.3B
Operating Income i	2.3B	998.8B	704.2B	533.5B	323.9B
Operating Margin % i	50.4%	52.8%	56.1%	60.0%	50.0%
Non-Operating Items
Interest Income i	-	-	-	-	-
Interest Expense i	-	-	-	-	-
Other Non-Operating Income	20.6M	23.2B	16.4B	-4.7B	-6.1B
Pre-tax Income i	2.3B	1.0T	720.6B	528.8B	317.8B
Income Tax i	412.7M	173.2B	131.7B	93.6B	54.5B
Effective Tax Rate % i	17.6%	17.0%	18.3%	17.7%	17.1%
Net Income i	1.9B	848.8B	588.8B	435.2B	263.3B
Net Margin % i	41.9%	44.9%	46.9%	48.9%	40.7%
Key Metrics
EBITDA i	2.3B	998.8B	704.2B	533.5B	332.0B
EPS (Basic) i	$5,477.00	$4,431.00	$3,051.00	$2,247.00	$1,361.00
EPS (Diluted) i	$5,431.00	$4,381.00	$3,016.00	$2,222.00	$1,347.00
Basic Shares Outstanding i	347455	93105364727	96998604614	97232313108	97038936952
Diluted Shares Outstanding i	347455	93105364727	96998604614	97232313108	97038936952

Income Statement Trend

JSC Kaspi.kz ADR Balance Sheet From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Assets
Current Assets
Cash & Equivalents i	1.1B	820.5B	615.4B	342.1B	330.4B
Short-term Investments i	2.7B	1.4T	1.1T	606.5B	865.8B
Accounts Receivable i	-	-	-	-	1.3B
Inventory i	29.6M	-	-	-	-
Other Current Assets	-	-	-	-	-
Total Current Assets i	10.4B	6.5T	4.9T	3.5T	2.7T
Non-Current Assets
Property, Plant & Equipment i	0	0	0	0	0
Goodwill i	203.1M	31.6B	15.3B	14.1B	9.8B
Intangible Assets i	139.3M	-	15.3B	14.1B	9.8B
Long-term Investments	31.4M	642.0M	30.0M	955.0M	3.7B
Other Non-Current Assets	274.5K	78.0B	18.3B	28.0B	13.0B
Total Non-Current Assets i	4.9B	302.5B	198.0B	130.4B	116.2B
Total Assets i	15.3B	6.8T	5.1T	3.6T	2.8T
Liabilities
Current Liabilities
Accounts Payable i	11.9B	5.4T	4.0T	2.7T	2.1T
Short-term Debt i	360.5M	60.3B	42.7B	26.7B	16.1B
Current Portion of Long-term Debt	-	-	-	-	-
Other Current Liabilities	252.6K	-	-	-	3.0B
Total Current Liabilities i	12.4B	5.5T	4.1T	2.8T	2.2T
Non-Current Liabilities
Long-term Debt i	44.8M	161.9B	224.3B	283.8B	217.0B
Deferred Tax Liabilities i	8.0M	3.2B	3.2B	2.5B	2.3B
Other Non-Current Liabilities	27.6M	8.7B	7.7B	5.9B	2.5B
Total Non-Current Liabilities i	96.1M	181.2B	240.0B	309.3B	241.8B
Total Liabilities i	12.5B	5.7T	4.3T	3.1T	2.4T
Equity
Common Stock i	238.2M	130.1B	130.1B	130.1B	95.8B
Retained Earnings i	2.7B	1.1T	762.5B	377.9B	280.8B
Treasury Stock i	277.3M	152.0B	94.1B	32.6B	-
Other Equity	-	-	-	-	-
Total Shareholders Equity i	2.9B	1.1T	825.7B	504.7B	394.7B
Key Metrics
Total Debt i	405.3M	222.2B	267.1B	310.5B	233.1B
Working Capital i	-1.9B	981.9B	867.7B	683.6B	520.3B

Balance Sheet Composition

JSC Kaspi.kz ADR Cash Flow Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Operating Activities
Net Income i	-	-	-	-	-
Depreciation & Amortization i	-	-	-	-	-
Stock-Based Compensation i	-	-	-	-	-
Working Capital Changes i	-1.1B	312.5B	442.5B	-472.7B	342.9B
Operating Cash Flow i	672.3M	1.1T	959.1B	-124.6B	532.3B
Investing Activities
Capital Expenditures i	-174.3M	-50.0B	-58.9B	-24.5B	-17.5B
Acquisitions i	0	-29.1B	0	-610.0M	-662.0M
Investment Purchases i	-1.2B	-2.6T	-1.5T	-1.0T	-743.2B
Investment Sales i	1.2B	2.5T	1.1T	1.4T	396.6B
Investing Cash Flow i	-198.3M	-218.4B	-487.2B	289.7B	-364.7B
Financing Activities
Share Repurchases i	-5.2M	-60.7B	-63.7B	0	-
Dividends Paid i	-1.2B	-560.1B	-210.1B	-340.4B	-175.4B
Debt Issuance i	-	-	-	-	-
Debt Repayment i	-89.3M	-46.6B	0	-10.4B	0
Financing Cash Flow i	-1.3B	-676.0B	-275.9B	-352.6B	-177.5B
Free Cash Flow i	889.8M	1.1T	961.5B	45.4B	599.5B
Net Change in Cash i	-825.2M	206.5B	196.0B	-187.5B	-9.9B

Cash Flow Trend

JSC Kaspi.kz ADR Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 7.75

Forward P/E 0.01

Price to Book 0.01

Price to Sales 0.01

PEG Ratio 1.06

Profitability Ratios

Profit Margin 34.29%

Operating Margin 56.25%

Return on Equity 67.68%

Return on Assets 15.13%

Financial Health

Current Ratio 4.25

Debt to Equity 27.55

Beta -0.06

Per Share Data

EPS (TTM) $10.32

Book Value per Share $10,244.26

Revenue per Share $16,726.14

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
kspi	16.2B	7.75	0.01	67.68%	34.29%	27.55
Microsoft	3.8T	39.67	11.86	33.61%	35.79%	32.63
Oracle	819.5B	66.08	33.66	69.24%	21.08%	452.53
Palo Alto Networks	138.6B	130.31	17.69	17.45%	12.30%	5.34
CrowdStrike Holdings	122.9B	716.55	32.71	-8.92%	-6.84%	21.36
Synopsys	88.3B	63.40	3.15	6.50%	31.04%	54.83

Financial data is updated regularly. All figures are in the company's reporting currency.