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Home CompaniesKaspi Bank Joint Stock Company

Kaspi Bank Joint Stock Company

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
None GBX 0.00(0%)
Last update at 2024-04-25T10:22:15.673128Z
Market Cap
8626.09M
P/E
0.05

Momentum Score

…

Kaspi.kz Joint Stock Company, together with its subsidiaries, provides payments, marketplace and fintech services primarily through the online mobile app in the Republic of Kazakhstan. The company operates through three segments: Payments Platform, Marketplace Platform, and Fintech Platform. The Payments Platform segment connects its customers comprising consumer and merchants to facilitate cashless and digital payment transactions. This segment offers a technology platform to pay and receive payments for goods and services, as well as to transfer and withdraw money. It provides the Kaspi.kz Super App, Kaspi QR Scan to Pay, Kaspi Gold debit and virtual card, and other bank cards for consumers to transact with merchants; and Kaspi Pay Super App, POS Solutions, Kaspi QR Checkout, Kaspi Bill Payments, and Kaspi B2B for merchants to accept payments from consumers. The Marketplace Platform segment connects merchants and consumers enabling merchants to enhance its sales and enable consumers to buy products and services from various merchants. This segment also operates Super App for domestic and international flight tickets, and domestic rail bookings; and Kaspi e-Grocery, a food retail chain; and real estate, new and used cars, and new and used goods mobile classified apps. The Fintech Platform segment enables its consumers to manage their personal finances online and access consumer finance and deposit products primarily through the Kaspi.kz Super App. It is also involved in the e-commerce, banking, insurance, and asset management services; real estate business; and provision of storage and processing of information services. The company was incorporated in 2008 and is based in Almaty, the Republic of Kazakhstan.

Source: TradingView
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52 Week Price Range
61.44
Low
103.80
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
-
Dividend Yield
6.51%
Revenue TTM
1723750.02M
Revenue Per Share
9064.63
Gross Profit TTM
1165657.00M
Debt / Equity
-
ROE
88.89%
Net Debt
59275.00M
ROCE
23.80%
Diluted EPS TTM
8.81

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 720574.00M 528802.00M 317824.00M 239140.00M 135237.00M
Minority interest -3818.00M -3300.00M -2384.00M -3333.00M -5579.00M
Net income 585026.00M 431914.00M 260964.00M 193790.00M 105540.00M
Selling general administrative 28862.00M 11968.00M 46450.00M 41749.00M 27112.00M
Gross profit 874133.00M 647682.00M 447167.00M 350392.00M 234918.00M
Reconciled depreciation 2849.00M 1876.00M 2035.00M - -
Ebit 999940.00M 700293.00M 456826.00M 357645.00M 237922.00M
Ebitda 710575.00M 538400.00M 324902.00M 249804.00M 139506.00M
Operating income 707726.00M 536524.00M 322867.00M 249804.00M 139506.00M
Other operating expenses 55210.00M 34383.00M 27622.00M 38505.00M 52579.00M
Interest expense - 0.00M 0.00M 0.00M 0.00M
Tax provision 131730.00M 93588.00M 54476.00M 42017.00M 24118.00M
Income tax expense 131730.00M 93588.00M 54476.00M 42017.00M 24118.00M
Total revenue 1257744.00M 892544.00M 646480.00M 524578.00M 379600.00M
Total operating expenses 550018.00M 356020.00M 323613.00M 274774.00M 240094.00M
Cost of revenue 383611.00M 244862.00M 199313.00M 174186.00M 144682.00M
Net income from continuing ops 588844.00M 435214.00M 263348.00M 197123.00M 111119.00M
Net income applicable to common shares 585026.00M 431914.00M 260964.00M 193790.00M 105540.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 5121647.00M 3607924.00M 2806742.00M 2187581.00M 1699652.00M
Intangible assets 15303.00M 14142.00M 9829.00M 8205.00M 7739.00M
Other current assets 72288.00M 44003.00M 52510.00M 35108.00M 30282.00M
Total liab 4295958.00M 3103229.00M 2412082.00M 1891959.00M 1485734.00M
Total stockholder equity 819165.00M 499727.00M 391118.00M 292035.00M 201492.00M
Other current liab 890521.00M 661110.00M 483934.00M 295515.00M 171659.00M
Common stock 130144.00M 130144.00M 95825.00M 130144.00M 54857.00M
Capital stock 130144.00M 97530.00M 95825.00M 95825.00M 54857.00M
Retained earnings 762500.00M 377852.00M 280828.00M 195232.00M 142822.00M
Other liab 3167419.00M 2149034.00M 1703422.00M 1372975.00M 1082975.00M
Other assets 41941.00M 39023.00M 37799.00M 41695.00M 14755.00M
Cash 615360.00M 342101.00M 330409.00M 239140.00M 168471.00M
Total current liabilities 920240.00M 745851.00M 501770.00M 302624.00M 186846.00M
Net debt - - - - 59275.00M
Short long term debt 42733.00M 26679.00M 16080.00M 13109.00M -
Other stockholder equity 20073.00M 23839.00M 13959.00M 472.00M 3307.00M
Property plant equipment 116537.00M 70959.00M 60187.00M 52780.00M 28949.00M
Total current assets 3871624.00M 2877338.00M 1833080.00M 1611646.00M 1291520.00M
Net tangible assets 803862.00M 485585.00M 381289.00M 283830.00M 193753.00M
Short term investments 1076242.00M 606462.00M 865847.00M - -
Net receivables 3183976.00M 2491234.00M 1450161.00M 1337398.00M 1092767.00M
Long term debt 224418.00M 283786.00M 217120.00M 219360.00M 227746.00M
Accounts payable 3928743.00M 2720941.00M 2122236.00M 1604868.00M 1232920.00M
Non currrent assets other 74780.00M 18418.00M 11688.00M 9633.00M 6562.00M
Non current assets total 1282892.00M 177721.00M 153045.00M 1948441.00M 1531181.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -428221.00M 314876.00M -346554.00M -84749.00M -118731.00M
Change to liabilities 0.00M 0.00M 0.00M 0.00M 0.00M
Total cashflows from investing activities -487161.00M 289748.00M -364711.00M -112855.00M -129286.00M
Net borrowings - -10371.00M -10371.00M -11368.00M 21469.00M
Total cash from financing activities -275911.00M -352580.00M -177493.00M -112240.00M -57079.00M
Change to operating activities 370083.00M -391961.00M 336029.00M 86980.00M -121637.00M
Net income 585026.00M 431914.00M 260964.00M 193790.00M 105540.00M
Change in cash 273259.00M 11693.00M 91269.00M 70669.00M -136368.00M
Begin period cash flow 342101.00M 330409.00M 239140.00M 168471.00M 304839.00M
End period cash flow 615360.00M 342101.00M 330409.00M 239140.00M 168471.00M
Total cash from operating activities 1020984.00M 70351.00M 617729.00M 296347.00M 35657.00M
Depreciation 17445.00M 12678.00M 9588.00M 7489.00M 5171.00M
Other cashflows from investing activities - - - -11730.00M -11730.00M
Dividends paid 210102.00M 340362.00M 175368.00M 97697.00M 97697.00M
Sale purchase of stock -63672.00M - - 0.00M -75287.00M
Other cashflows from financing activities -2137.00M -1847.00M -2125.00M -3175.00M -3261.00M
Change to netincome 36034.00M 22016.00M 7304.00M 14548.00M 48065.00M
Capital expenditures 59468.00M 24901.00M 18189.00M 16932.00M 10991.00M
Change in working capital 382479.00M -396257.00M 339873.00M 80520.00M -123119.00M
Other non cash items - - - - 99904.00M
Free cash flow 961516.00M 45450.00M 599540.00M 279415.00M 24666.00M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
EWG
W.A.G payment solutions plc		 -1.20
1.10%		 108.00 - 14.88 0.35 3.56 0.48 10.57
BYIT
Bytes Technology Ltd		 17.20
3.77%		 473.40 13.89 11.78 3.14 8.89 2.77 8.13
BOKU
Boku Inc		 -1.00
0.75%		 132.00 56.33 20.37 3.85 4.28 3.63 16.09
PAY
PayPoint plc		 10.50
1.47%		 722.50 23.80 10.32 1.16 3.61 1.00 5.66

Profile*

Kaspi Bank Joint Stock Company

Kaspi.kz Joint Stock Company, together with its subsidiaries, provides payments, marketplace and fintech services primarily through the online mobile app in the Republic of Kazakhstan. The company operates through three segments: Payments Platform, Marketplace Platform, and Fintech Platform. The Payments Platform segment connects its customers comprising consumer and merchants to facilitate cashless and digital payment transactions. This segment offers a technology platform to pay and receive payments for goods and services, as well as to transfer and withdraw money. It provides the Kaspi.kz Super App, Kaspi QR Scan to Pay, Kaspi Gold debit and virtual card, and other bank cards for consumers to transact with merchants; and Kaspi Pay Super App, POS Solutions, Kaspi QR Checkout, Kaspi Bill Payments, and Kaspi B2B for merchants to accept payments from consumers. The Marketplace Platform segment connects merchants and consumers enabling merchants to enhance its sales and enable consumers to buy products and services from various merchants. This segment also operates Super App for domestic and international flight tickets, and domestic rail bookings; and Kaspi e-Grocery, a food retail chain; and real estate, new and used cars, and new and used goods mobile classified apps. The Fintech Platform segment enables its consumers to manage their personal finances online and access consumer finance and deposit products primarily through the Kaspi.kz Super App. It is also involved in the e-commerce, banking, insurance, and asset management services; real estate business; and provision of storage and processing of information services. The company was incorporated in 2008 and is based in Almaty, the Republic of Kazakhstan.

154A, Nauryzbai Batyr street, Almaty, Kazakhstan, 050013

7 4474 27 75 12 75

https://ir.kaspi.kz

Name Title Year Born
Mr. Mikheil N. Lomtadze Exec. Director, Chairman of the Management Board, CEO & Chief Ecosystem Officer 1977
Mr. Tengiz Mosidze Deputy Chairman of the Management Board, Deputy CEO & CFO 1976
Mr. Yuri Didenko Deputy Chairman of the Management Board, Deputy CEO & Head of Capital Markets 1974
Mr. Pavel Mironov Deputy CEO, COO & Member of Management Board 1979
Mr. David Ferguson Head of Investor Relations 1979
Sabyrzhan Berkinbayev Chief Legal Officer 1980
Mr. Mamuka Kirvalidze Head of International Expansion 1970
Mr. Kanat Aitenov Head of Network 1985
Mr. Oleg Bakhmutov Head of Human Capital 1982
Ms. Saltanat Zhumabay Head of Fintech Products 1984

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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