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About The Company

Market Cap

12.52 Billion EUR

Sector

Technology

Website

https://ir.kaspi.kz

Description

Joint Stock Company Kaspi.

Read More

Overview

Value

50

Growth

82

Health

29

Management

71

Analyst Opinion

89

Total

64

All Scores Out Of 100

Best Features

  • Very strong cashflow and earnings growth
  • Earnings growth has improved recently
  • Has a low level of debt
  • Price-to-earnings ratio of 11.7 is lower than the market average (19.6x)
  • Liked by analysts
  • Has strong dividend growth

Risk Factors

  • There is a history of diluting shareholders
  • Poor overall financial health

Market Peers

KKS.F

Key Figures

PE Ratio (TTM)

11.72

Margin Of Safety (DCF)

14.58%

Revenue Growth (5 Year Average)

19.62%

Ratings Consensus

Strong Buy

Share Buybacks

-7.10%

Dividend Yeild (TTM)

2.46%

Valuation

Value Score

50

  • Price-to-earnings ratio of 11.7 is lower than the market average (19.6x)
  • Free-cashflow-yeild of 5.88% is better than the market average (4.7%)
  • Estimated intrinsic-value of 78.49 EUR is higher than current price ( 65.50 EUR)
  • Margin-of-safety of 14.58% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 23412.8 EUR

Current Price: 68.5 EUR

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

11.72x

Free Cashflow Yeild

5.88%

PE/Earnings Growth

0.18

Price/Book

0.02x

Growth

Growth Score

82

  • 5 Year Average Revenue growth of 19.62% is higher than the market average (10.97%)
  • 5 Year Average Earnings growth of 23.44% is higher than the market average (14.48%)
  • Earnings growth has improved this year
  • 5 Year Average Cashflow growth of 26.53% is higher than the market average (12.35%)
  • Revenue growth has slowed this year
  • Free Cashflow growth has slowed this year

Revenue Growth

19.62%

Earnings Growth

23.44%

Cashflow Growth

26.53%

Health

Health Score

29

  • Assets cover liabilities
  • Low financial Leverage
  • Normal operation does not require debt to be sustainable
  • Debt repayments do not significantly impact cashflow

Altman Z Score

1.01

Piostroski Score

7.00

Debt/Equity

0.57x

Current Assets/Liabilities

1.23x

Free Cashflow/Total Debt

0.16x

Debt/Capital

0.08x

Dividend

Secure Dividend Score

67

  • Dividend yeild of 2.46% is more than the market average (1.85%)
  • Dividend is likely safe
  • Long term dividend payout ratio of 49.10% is considered good
  • Dividends have shown growth over the last 5 years
  • Dividend growth has been accelerating recently
  • Spending a lower percentage of their income on dividends than last 5 years
  • Payout ratio (TTM) of 43.41% is higher than the average (40%)

Dividend Yeild

2.46%

Dividend Growth

24.62%

Payout Ratio (Earnings)

43.41%

Payout Ratio (Cashflow)

41.92%

Management

Management Score

71

  • Has returned higher dividends when earnings have risen
  • Return-on-equity of 91.27% is higher than the market average (15%)
  • Return-on-capital-employed of 8.27% is lower than the market average (10%)
  • Has issued new shares whilst share price is low
  • Has a history of diluting shareholders to finance activity

Average Buybacks/Dilution

-7.10%

Recent Buybacks/Dilution

5.59%

5 Year Price Volitility

32.62%

Return On Assets

12.64%

Return On Capital Employed

8.27%

Return On Equity

91.27%

Return On Free Cashflow

76.07%

Return On Investments

5504.21%

Analysts

Analyst Opinion

89

  • Ratings consensus is Strong Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Joint Stock Company Kaspi.kz

Currency

EUR

Beta

1.232965

Vol Avg

11

Ceo

Cik

Cusip

48581R205

Exchange

Frankfurt

Full Time Employees

7700

Industry

Software—Infrastructure

Sector

Technology

Ipo Date

Address

154 A Nauryzbai Batyr Street

City

Almaty

State

Country

KZ

Zip

050013

Phone

7 4474 27 75 12 75

All financial data provided by FMP

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