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STOCKS

Kaspi.kz JSC Sponsored ADR RegS (KSPI)

NASDAQ:KSPI

KSPI

Kaspi.kz JSC Sponsored ADR RegS

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Kaspi.kz JSC Sponsored ADR RegS (KSPI) Ratios

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Kaspi.kz JSC Sponsored ADR RegS Ratios

KSPI's free cash flow for Q2 2025 was ₸0.70. For the 2025 fiscal year, KSPI's free cash flow was decreased by ₸ and operating cash flow was ₸0.56. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.27	1.14	1.22	1.24	1.24
Quick Ratio	1.25	0.88	1.22	1.24	1.24
Cash Ratio	0.15	0.14	0.15	0.12	0.15
Solvency Ratio	0.14	0.15	0.14	0.14	0.11
Operating Cash Flow Ratio	0.12	0.19	0.25	0.03	0.28
Short-Term Operating Cash Flow Coverage	0.00	18.36	23.89	2.64	38.42
Net Current Asset Value	₸ 852.24B	₸ 800.73B	₸ 619.07B	₸ 360.66B	₸ 273.00B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.03	0.05	0.09	0.08
Debt-to-Equity Ratio	0.30	0.21	0.33	0.62	0.60
Debt-to-Capital Ratio	0.23	0.17	0.25	0.38	0.37
Long-Term Debt-to-Capital Ratio	0.23	<0.01	0.21	0.36	0.36
Financial Leverage Ratio	5.14	6.33	6.25	7.22	7.18
Debt Service Coverage Ratio	6.03	13.70	13.40	16.49	16.88
Interest Coverage Ratio	7.14	0.00	0.00	0.00	0.00
Debt to Market Cap	0.06	<0.01	0.03	0.04	0.03
Interest Debt Per Share	4.24K	1.17K	1.39K	1.62K	1.22K
Net Debt to EBITDA	-0.31	-0.60	-0.49	-0.06	-0.30
Profitability Margins
Gross Profit Margin	62.48%	64.46%	69.41%	72.47%	69.22%
EBIT Margin	49.19%	52.84%	56.15%	59.98%	50.02%
EBITDA Margin	49.29%	52.84%	56.15%	59.98%	50.34%
Operating Profit Margin	49.26%	52.84%	57.45%	59.44%	49.08%
Pretax Profit Margin	42.57%	54.07%	57.45%	59.44%	49.08%
Net Profit Margin	34.56%	44.51%	46.65%	48.55%	40.30%
Continuous Operations Profit Margin	34.89%	44.90%	46.95%	48.92%	40.67%
Net Income Per EBT	81.18%	82.32%	81.19%	81.68%	82.11%
EBT Per EBIT	86.43%	102.32%	100.00%	100.00%	100.00%
Return on Assets (ROA)	10.88%	12.33%	11.42%	11.97%	9.30%
Return on Equity (ROE)	67.04%	78.04%	71.42%	86.43%	66.72%
Return on Capital Employed (ROCE)	51.12%	88.97%	66.93%	64.97%	49.93%
Return on Invested Capital (ROIC)	41.90%	61.69%	52.61%	51.77%	40.35%
Return on Tangible Assets	11.53%	12.39%	11.46%	12.02%	9.33%
Earnings Yield	11.46%	10.18%	6.87%	5.38%	3.37%
Efficiency Ratios
Receivables Turnover	0.49	0.69	0.39	0.36	0.45
Payables Turnover	0.17	0.12	0.10	0.09	0.09
Inventory Turnover	10.65	0.44	0.00	0.00	0.00
Fixed Asset Turnover	7.97	13.24	10.76	12.54	10.76
Asset Turnover	0.31	0.28	0.24	0.25	0.23
Working Capital Turnover Ratio	2.72	2.24	1.63	1.50	2.52
Cash Conversion Cycle	-1.38K	-1.60K	-2.84K	-3.06K	-3.09K
Days of Sales Outstanding	742.89	529.01	926.60	1.02K	817.43
Days of Inventory Outstanding	34.29	831.83	0.00	0.00	0.00
Days of Payables Outstanding	2.15K	2.96K	3.77K	4.08K	3.91K
Operating Cycle	777.18	1.36K	926.60	1.02K	817.43
Cash Flow Ratios
Operating Cash Flow Per Share	4.23K	5.83K	5.33K	366.00	3.22K
Free Cash Flow Per Share	3.49K	5.56K	5.02K	236.45	3.13K
CapEx Per Share	741.91	264.71	310.17	129.55	94.83
Free Cash Flow to Operating Cash Flow	0.82	0.95	0.94	0.65	0.97
Dividend Paid and CapEx Coverage Ratio	1.74	1.81	3.79	0.19	3.19
Capital Expenditure Coverage Ratio	5.70	22.01	17.17	2.83	33.96
Operating Cash Flow Coverage Ratio	1.36	4.98	3.82	0.23	2.65
Operating Cash Flow to Sales Ratio	0.26	0.59	0.81	0.08	0.95
Free Cash Flow Yield	7.01%	12.78%	11.30%	0.57%	7.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.73	9.82	14.55	18.57	29.71
Price-to-Sales (P/S) Ratio	3.00	4.37	6.79	9.02	11.98
Price-to-Book (P/B) Ratio	4.88	7.66	10.39	16.05	19.83
Price-to-Free Cash Flow (P/FCF) Ratio	14.26	7.82	8.85	176.49	12.93
Price-to-Operating Cash Flow Ratio	11.82	7.47	8.34	114.02	12.55
Price-to-Earnings Growth (PEG) Ratio	7.02	0.22	0.41	0.29	0.86
Price-to-Fair Value	4.88	7.66	10.39	16.05	19.83
Enterprise Value Multiple	5.78	7.67	11.59	14.97	23.49
Enterprise Value	9.01T	7.66T	8.16T	7.99T	7.66T
EV to EBITDA	5.78	7.67	11.59	14.97	23.49
EV to Sales	2.85	4.05	6.51	8.98	11.83
EV to Free Cash Flow	13.53	7.26	8.49	175.79	12.77
EV to Operating Cash Flow	11.16	6.93	7.99	113.57	12.40
Tangible Book Value Per Share	7.65K	5.46K	4.23K	2.55K	2.01K
Shareholders’ Equity Per Share	10.24K	5.68K	4.27K	2.60K	2.04K
Tax and Other Ratios
Effective Tax Rate	0.18	0.17	0.18	0.18	0.17
Revenue Per Share	16.57K	9.96K	6.54K	4.63K	3.38K
Net Income Per Share	5.73K	4.43K	3.05K	2.25K	1.36K
Tax Burden	0.81	0.82	0.81	0.82	0.82
Interest Burden	0.87	1.02	1.02	0.99	0.98
Research & Development to Revenue	0.05	0.05	0.05	0.05	0.05
SG&A to Revenue	0.02	0.02	0.02	0.03	0.03
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.00	0.00	0.00	0.00	0.00

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