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5-day change | 1st Jan Change | ||
| 74.20 USD | -0.59% |
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+5.11% | -5.03% |
| 03-02 | Joint Stock Company Kaspi.kz Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2025 | CI |
| 03-02 | Joint Stock Company Kaspi.kz, Q4 2025 Earnings Call, Mar 02, 2026 |
Projected Income Statement: Kaspi Bank
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 641,437 | 936,803 | 1,315,552 | 1,913,490 | 2,532,156 | 4,046,074 | 5,112,323 | 5,601,140 |
| Change | - | 46.05% | 40.43% | 45.45% | 32.33% | 59.79% | 26.35% | 9.56% |
| EBITDA 1 | 317,824 | - | - | - | 2,041,856 | 1,556,372 | 1,311,662 | 1,534,179 |
| Change | - | - | - | - | - | -23.78% | -15.72% | 16.96% |
| EBIT 1 | 317,824 | 528,802 | 720,574 | 1,022,004 | 1,282,289 | 1,331,918 | 1,437,197 | 1,652,264 |
| Change | - | 66.38% | 36.27% | 41.83% | 25.47% | 3.87% | 7.9% | 14.96% |
| Interest Paid 1 | -139,002 | -171,491 | - | - | -616,116 | -908,698 | -1,015,039 | -1,092,757 |
| Earnings before Tax (EBT) | 317,824 | 528,802 | 720,574 | 1,022,004 | - | - | - | - |
| Change | - | 66.38% | 36.27% | 41.83% | - | - | - | - |
| Net income 1 | 260,964 | 435,214 | 588,844 | 848,770 | 1,056,834 | 1,067,707 | 1,006,862 | 1,412,883 |
| Change | - | 66.77% | 35.3% | 44.14% | 24.51% | 1.03% | -5.7% | 40.33% |
| Announcement Date | 01/03/21 | 28/02/22 | 27/02/23 | 26/02/24 | 24/02/25 | 02/03/26 | - | - |
Forecast Balance Sheet: Kaspi Bank
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | - | - | - | -538,837 | -859,933 | -2,371,340 | -3,845,147 |
| Change | - | - | - | - | - | -59.59% | -95.73% | -62.15% |
| Announcement Date | 01/03/21 | 28/02/22 | 27/02/23 | 26/02/24 | 24/02/25 | 02/03/26 | - | - |
Cash Flow Forecast: Kaspi Bank
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| CAPEX 1 | 16,932 | 18,189 | 24,901 | 59,468 | 50,257 | 95,726 |
| Change | - | 7.42% | 36.9% | 138.82% | -15.49% | 90.47% |
| Free Cash Flow (FCF) 1 | 18,392 | 263,305 | -514,636 | -58,482 | -268,371 | -722,752 |
| Change | - | 1,331.67% | -295.45% | 88.64% | -358.9% | -169.31% |
| Announcement Date | 20/02/20 | 01/03/21 | 25/02/22 | 28/02/23 | 29/02/24 | 25/02/25 |
Forecast Financial Ratios: Kaspi Bank
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 49.55% | - | - | - | 80.64% | 38.47% | 25.66% | 27.39% |
| EBIT Margin (%) | 49.55% | 56.45% | 54.77% | 53.41% | 50.64% | 32.92% | 28.11% | 29.5% |
| EBT Margin (%) | 49.55% | 56.45% | 54.77% | 53.41% | - | - | - | - |
| Net margin (%) | 40.68% | 46.46% | 44.76% | 44.36% | 41.74% | 26.39% | 19.69% | 25.22% |
| FCF margin (%) | - | - | - | - | 19.2% | - | - | - |
| FCF / Net Income (%) | - | - | - | - | 46% | - | - | - |
Profitability | ||||||||
| ROA | - | 13.57% | 13.49% | 14.21% | 6.95% | 10.97% | 10.44% | 10.99% |
| ROE | 76.01% | 97.71% | 89.29% | 89.47% | 40.72% | 53.26% | 42.7% | 40.54% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Debt / Free cash flow | - | - | - | - | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | - | - | - | - | 3.78% | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | - | 4.69% | - | - | - |
| CAPEX / FCF (%) | - | - | - | - | 19.69% | - | - | - |
Items per share | ||||||||
| Cash flow per share 1 | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | - | - | - | 3,200 | 3,400 | - | 2,537 | 2,921 |
| Change | - | - | - | - | 6.25% | - | - | 15.14% |
| Book Value Per Share 1 | - | - | - | 4,319 | 7,985 | 12,487 | 14,797 | 18,080 |
| Change | - | - | - | - | 84.89% | 56.39% | 18.5% | 22.19% |
| EPS 1 | - | - | - | 4,381 | 5,431 | 5,812 | 5,245 | 7,065 |
| Change | - | - | - | - | 23.97% | 7.02% | -9.76% | 34.7% |
| Nbr of stocks (in thousands) | - | - | - | 189,685 | 190,016 | 190,785 | 190,785 | 190,785 |
| Announcement Date | - | - | - | 26/02/24 | 24/02/25 | - | - | - |
| 2025 | 2026 * | |
|---|---|---|
| P/E ratio | 6.3x | 6.99x |
| PBR | 2.93x | 2.48x |
| EV / Sales | 1.65x | 0.9x |
| Yield | - | 6.92% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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Quarterly revenue - Rate of surprise
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- Financials Kaspi Bank
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