KSPI Joint Stock Company Kaspi.kz American Depository Shares

$79.05

*Only the 1D chart reflects 15-min delayed quotes during market hours. Other timeframes update after market close.

Reporting for fiscal period ending
Expected on
Report Time: Unknown Release Time
The Whisper Number
Consensus Estimate:
Revenue Estimate:

Latest Earnings Insight

Kaspi.kz JSC Sponsored ADR RegS (KSPI) is poised to report its earnings on November 10, with analysts anticipating an EPS of $2.92 and revenue of $1.72 billion. The company, boasting a market cap of approximately $14.7 billion, has been a focal point in the financial sector due to its innovative approach to digital finance in Kazakhstan. Despite the lack of recent news, the market's expectations are subtly reflected in the whisper number of $2.74, suggesting a cautious optimism among investors. This figure, slightly below the official EPS estimate, indicates that while there is confidence in Kaspi.kz's ability to deliver solid results, there is also an acknowledgment of potential challenges in the current economic climate. As the company continues to leverage its robust digital ecosystem, the upcoming earnings report will be crucial in assessing its growth trajectory and market positioning.

Updated On 12/31/2025

About Joint Stock Company Kaspi.kz American Depository Shares

No Company Description Available

Website: N/A

Sector
TRADE & SERVICES
Industry
SERVICES-BUSINESS SERVICES, NEC
Exchange
NASDAQ
Country
USA
Currency
USD
Fiscal Year End
December
CIK
1985487
Address
154A NAURYZBAI BATYR STREET, ALMATY, KZ
Valuation
Market Cap
$16.67B
P/E Ratio
8.21
PEG Ratio
nan
Price to Book
5.58
Performance
EPS
$10.43
Dividend Yield
8.54%
Profit Margin
40.90%
ROE
79.00%
Technicals
50D MA
$96.23
200D MA
$108.34
52W High
$139.43
52W Low
$77.80
Fundamentals
Shares Outstanding
190M
Target Price
$124.98
Beta
-0.01

KSPI EPS Estimates vs Actual

Estimated
Actual

KSPI News & Sentiment

Dec 09, 2025 • Finviz SOMEWHAT-BEARISH
JPMorgan Noted Kaspi.kz's (KSPI) Softening 2026 Fintech Outlook, Lowered PT
JPMorgan lowered its price target for Kaspi.kz (KSPI) to $88 from $96, maintaining a Neutral rating due to a softened 2026 fintech outlook. The firm anticipates slowing real growth in the sector, but Kaspi.kz reported a 20% year-over-year revenue increase in Q3 2025 (excluding Turkey), driven by strong Fintech segment growth and advertising revenue increases. The company also highlighted ongoing platform enhancements and new features like "Pay by Palm."
Dec 03, 2025 • Finviz SOMEWHAT-BULLISH
Joint Stock Company Kaspi.kz (KSPI) Updates About Rabobank A.Ş. Acquisition, Here's What You Need to Know
Joint Stock Company Kaspi.kz (KSPI) has provided an update on its acquisition of Rabobank A.Ş., now expecting to close the transaction in mid-2026 pending regulatory approvals. The company also announced strong Q3 2025 results, with consolidated revenue up 20% year-over-year, despite impacts from smartphone supply shortages. KSPI, a provider of payments, marketplace, and fintech solutions, saw its share price rise by 5% following these announcements.
Dec 01, 2025 • The Globe and Mail BULLISH
Update on the acquisition of Rabobank A.Ş.
Kaspi.kz announced an update on its acquisition of Rabobank A.Ş., initially signed on March 27, 2025. The closing of the transaction is now expected in mid-2026, pending regulatory approvals and customary closing conditions. Kaspi.kz emphasizes its Super App model and current ownership of a significant stake in Hepsiburada in Türkiye.
Nov 28, 2025 • GlobeNewswire NEUTRAL
Update on the acquisition of Rabobank A.Ş.
JSC Kaspi.kz provided an update on its acquisition of Rabobank A.Ş., initially agreed upon in March 2025. The closing of the transaction is now expected in mid-2026, pending regulatory approvals and customary closing conditions. Kaspi.kz intends for this acquisition to further its mission of improving lives through innovative mobile products and services via its Super App model.
Nov 12, 2025 • The Globe and Mail BULLISH
Kaspi.kz Reports Strong Q3 2025 Financial Results Amidst Market Challenges
Kaspi.kz announced strong financial results for Q3 2025, with a 20% year-over-year revenue increase and a 12% rise in net income, despite navigating challenges like smartphone supply disruptions and regulatory changes. The company is innovating with new services like Kaspi Alaqan and expanding advertising, showcasing confidence in its future with a $100 million ADS repurchase program. Analyst ratings are positive, with an average "Buy" and an $85.00 price target.
Oct 22, 2025 • Finviz SOMEWHAT-BULLISH
Joint Stock Company Kaspi.kz (KSPI): A Bull Case Theory
This article summarizes a bullish thesis on Joint Stock Company Kaspi.kz (KSPI), a leading Kazakhstan fintech company. Despite its dominance in digital finance in Kazakhstan, strong financial metrics, and international expansion efforts, the stock trades at a low valuation. However, the bull case is tempered by significant risks including currency volatility, geopolitical uncertainties, and challenges related to its Turkish expansion.
Sentiment Snapshot

Average Sentiment Score:

0.317
16 articles with scored sentiment

Overall Sentiment:

Bullish

KSPI Reported Earnings

Aug 06, 2025
Jun 30, 2025 (Pre market)
-67.66 Surprise
  • Reported EPS: $1367.00
  • Estimate: $1434.66
  • Whisper:
  • Surprise %: -4.7%
May 16, 2025
Mar 31, 2025 (Pre market)
-68.05 Surprise
  • Reported EPS: $1321.00
  • Estimate: $1389.05
  • Whisper:
  • Surprise %: -4.9%
Feb 25, 2025
Dec 31, 2024 (Pre market)
-80.85 Surprise
  • Reported EPS: $1625.00
  • Estimate: $1705.85
  • Whisper:
  • Surprise %: -4.7%
Oct 18, 2024
Sep 30, 2024 (Post market)
13.11 Surprise
  • Reported EPS: $1409.00
  • Estimate: $1395.89
  • Whisper:
  • Surprise %: 0.9%
Aug 01, 2024
Jun 30, 2024 (Pre market)
-85.52 Surprise
  • Reported EPS: $1246.00
  • Estimate: $1331.52
  • Whisper:
  • Surprise %: -6.4%
Apr 22, 2024
Mar 31, 2024 (Post market)
21.62 Surprise
  • Reported EPS: $1151.00
  • Estimate: $1129.38
  • Whisper:
  • Surprise %: 1.9%
Feb 26, 2024
Dec 31, 2023 (Post market)
-1274.9 Surprise
  • Reported EPS: $2.71
  • Estimate: $1277.61
  • Whisper:
  • Surprise %: -99.8%
Oct 23, 2023
Sep 30, 2023 (Pre market)
-74.68 Surprise
  • Reported EPS: $852.00
  • Estimate: $926.68
  • Whisper:
  • Surprise %: -8.1%
Jul 24, 2023
Jun 30, 2023 (Pre market)
83.8 Surprise
  • Reported EPS: $1005.00
  • Estimate: $921.20
  • Whisper:
  • Surprise %: 9.1%

Financials