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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 Q3 2025 was ₸0.68. For the 2025 fiscal year, KSPI's free cash flow was decreased by ₸ and operating cash flow was ₸0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	10.73	0.84	1.14	4.21	1.24
Quick Ratio	10.54	0.84	0.88	4.21	1.24
Cash Ratio	0.69	0.09	0.14	0.67	0.12
Solvency Ratio	0.14	0.15	0.15	0.14	0.14
Operating Cash Flow Ratio	0.69	0.09	0.19	1.11	0.03
Short-Term Operating Cash Flow Coverage	1.40	2.95	18.36	63.34	2.64
Net Current Asset Value	₸ -212.12B	₸ -1.10T	₸ 800.73B	₸ -424.33B	₸ 360.66B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.03	0.03	0.04	0.09
Debt-to-Equity Ratio	0.19	0.15	0.21	0.27	0.62
Debt-to-Capital Ratio	0.16	0.13	0.17	0.22	0.38
Long-Term Debt-to-Capital Ratio	0.03	0.02	<0.01	0.20	0.36
Financial Leverage Ratio	4.55	5.52	6.33	6.25	7.22
Debt Service Coverage Ratio	2.34	5.31	13.70	54.82	23.24
Interest Coverage Ratio	8.53	0.00	0.00	0.00	0.00
Debt to Market Cap	0.06	0.02	<0.01	0.03	0.04
Interest Debt Per Share	3.44K	1.17K	1.17K	1.17K	1.62K
Net Debt to EBITDA	-0.04	-0.31	-0.60	-0.39	-0.04
Profitability Margins
Gross Profit Margin	64.27%	62.34%	64.46%	91.81%	91.71%
EBIT Margin	43.35%	50.42%	52.84%	78.68%	79.16%
EBITDA Margin	44.05%	50.42%	52.84%	80.00%	80.59%
Operating Profit Margin	51.34%	50.42%	52.84%	82.77%	83.04%
Pretax Profit Margin	37.49%	50.87%	54.07%	56.77%	59.72%
Net Profit Margin	30.32%	41.24%	44.51%	46.09%	48.78%
Continuous Operations Profit Margin	30.53%	41.92%	44.90%	46.39%	49.15%
Net Income Per EBT	80.86%	81.08%	82.32%	81.19%	81.68%
EBT Per EBIT	73.04%	100.88%	102.32%	68.59%	71.91%
Return on Assets (ROA)	10.62%	12.41%	12.33%	11.42%	11.97%
Return on Equity (ROE)	59.00%	68.53%	78.04%	71.42%	86.43%
Return on Capital Employed (ROCE)	19.34%	78.20%	88.97%	25.00%	90.34%
Return on Invested Capital (ROIC)	15.19%	57.49%	61.69%	20.35%	71.99%
Return on Tangible Assets	11.30%	12.55%	12.45%	11.46%	12.02%
Earnings Yield	15.22%	11.02%	10.18%	6.87%	5.38%
Efficiency Ratios
Receivables Turnover	0.53	0.73	0.69	0.40	0.36
Payables Turnover	3.50	0.15	0.12	0.00	0.03
Inventory Turnover	9.10	58.63	0.44	0.00	0.00
Fixed Asset Turnover	8.47	13.05	13.24	10.89	12.48
Asset Turnover	0.35	0.30	0.28	0.25	0.25
Working Capital Turnover Ratio	0.81	-22.24	1.00	0.70	1.57
Cash Conversion Cycle	620.44	-1.99K	-1.60K	907.26	-12.59K
Days of Sales Outstanding	684.66	501.79	529.01	907.26	1.03K
Days of Inventory Outstanding	40.09	6.23	831.83	0.00	0.00
Days of Payables Outstanding	104.30	2.50K	2.96K	0.00	13.61K
Operating Cycle	724.75	508.02	1.36K	907.26	1.03K
Cash Flow Ratios
Operating Cash Flow Per Share	2.62K	3.06K	5.83K	5.33K	366.00
Free Cash Flow Per Share	1.88K	2.56K	5.56K	5.02K	236.45
CapEx Per Share	741.77	504.01	264.71	310.17	129.55
Free Cash Flow to Operating Cash Flow	0.72	0.84	0.95	0.94	0.65
Dividend Paid and CapEx Coverage Ratio	1.65	0.78	1.81	3.79	0.19
Capital Expenditure Coverage Ratio	3.53	6.08	22.01	17.17	2.83
Operating Cash Flow Coverage Ratio	1.14	2.63	4.98	4.55	0.23
Operating Cash Flow to Sales Ratio	0.14	0.23	0.59	0.80	0.08
Free Cash Flow Yield	4.96%	5.15%	12.78%	11.30%	0.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.60	9.08	9.82	14.55	18.57
Price-to-Sales (P/S) Ratio	2.00	3.74	4.37	6.71	9.06
Price-to-Book (P/B) Ratio	3.20	6.22	7.66	10.39	16.05
Price-to-Free Cash Flow (P/FCF) Ratio	20.26	19.41	7.82	8.85	176.49
Price-to-Operating Cash Flow Ratio	14.52	16.22	7.47	8.34	114.02
Price-to-Earnings Growth (PEG) Ratio	9.89	0.39	0.22	0.41	0.29
Price-to-Fair Value	3.20	6.22	7.66	10.39	16.05
Enterprise Value Multiple	4.51	7.11	7.67	8.00	11.20
Enterprise Value	7.16T	9.04T	7.66T	8.12T	7.99T
EV to EBITDA	4.48	7.11	7.67	8.00	11.20
EV to Sales	1.97	3.59	4.05	6.40	9.02
EV to Free Cash Flow	19.98	18.59	7.26	8.44	175.79
EV to Operating Cash Flow	14.32	15.53	6.93	7.95	113.57
Tangible Book Value Per Share	9.04K	7.79K	5.46K	4.23K	2.55K
Shareholders’ Equity Per Share	11.91K	7.99K	5.68K	4.27K	2.60K
Tax and Other Ratios
Effective Tax Rate	0.19	0.18	0.17	0.18	0.18
Revenue Per Share	19.01K	13.27K	9.96K	6.62K	4.61K
Net Income Per Share	5.76K	5.47K	4.43K	3.05K	2.25K
Tax Burden	0.81	0.81	0.82	0.81	0.82
Interest Burden	0.86	1.01	1.02	0.72	0.75
Research & Development to Revenue	0.05	0.04	0.05	0.05	0.05
SG&A to Revenue	0.02	0.01	0.02	0.02	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

Currency in KZT