Financial Snapshot

Revenue
Gross Margin
Net Earnings
$980.0B
TTM
Current Assets
Current Liabilities
$28.06B
Q3 2024
Current Ratio
Total Assets
$7621B
Q3 2024
Total Liabilities
$6281B
Q3 2024
Book Value
$1340B
Q3 2024
Cash
P/E
0.02069
Nov 29, 2024 EST
Free Cash Flow
$659.9B
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Revenue
YoY Change

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $88.66B $60.81B $44.39B
YoY Change 45.8% 36.99%
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses $88.66B $60.81B $44.39B
YoY Change 45.8% 36.99%
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Interest Expense $478.0B $278.7B $171.5B
YoY Change 71.53% 62.5%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Pretax Income $1022B $720.6B $528.8B $317.8B $239.1B $135.2B $84.78B $8.883B -$11.72B $340.0K $691.0K
YoY Change 41.83% 36.27% 66.38% 32.9% 76.83% 59.52% 854.36% -175.8% -3446769.71% -50.8%
Income Tax $173.2B $131.7B $93.59B $54.48B $42.02B $24.12B $13.48B $3.141B -$2.638B $77.00K $138.0K
% Of Pretax Income 16.95% 18.28% 17.7% 17.14% 17.57% 17.83% 15.91% 35.36% 22.65% 19.97%
Net Earnings $848.8B $588.8B $435.2B $261.0B $193.8B $105.5B $65.28B $5.268B -$8.153B $263.0K $553.0K
YoY Change 44.14% 35.3% 66.77% 34.66% 83.62% 61.68% 1139.03% -164.62% -3099918.25% -52.44%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share $4.381K $3.016K $2.222K $1.347K $1.027K $676.00 $414.30 $33.44 -$51.74 $0.00 $0.00

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $142.7B $116.5B $70.96B $60.19B $52.78B $28.95B $25.43B $27.79B $27.44B
YoY Change 22.48% 64.23% 17.9% 14.03% 82.32% 13.85% -8.5% 1.27%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $8.628B $3.250B $3.477B
YoY Change -6.53%
Total Long-Term Assets
YoY Change
Total Assets $6822B $5122B $3608B $2807B $2188B $1700B $1473B $1219B $1286B $97.46M $4.545M
YoY Change
Accounts Payable $49.68B $23.54B $12.08B $10.00K
YoY Change 111.02% 94.88%
Accrued Expenses $36.65B $29.07B $23.81B $17.49B $8.703B $3.367B $7.183B $7.951B $6.931B
YoY Change 26.07% 22.11% 36.15% 100.92% 158.48% -53.12% -9.66% 14.71%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $16.12B $75.52B $3.000B $49.00M $23.04B $6.500B
YoY Change -100.0% -78.66% 6022.45% -99.79%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $88.67B $75.92B $121.0B $18.34B $12.79B $5.034B $30.79B $8.097B $14.06B $87.00K $317.0K
YoY Change 16.78% -37.27% 559.89% 43.43% 154.01% -83.65% 280.3% -42.42% 16162956.32% -72.56%
Long-Term Debt $161.8B $208.0B $207.4B $217.1B $216.4B $227.7B $204.9B $205.2B $259.6B $0.00 $0.00
YoY Change -22.19% 0.29% -4.49% 0.35% -4.98% 11.12% -0.16% -20.94%
Other Long-Term Liabilities $23.44B $7.800B $8.306B $23.72B $33.47B $18.25B $26.07B $14.36B $18.92B
YoY Change 200.56% -6.09% -64.99% -29.12% 83.38% -29.99% 81.51% -24.12%
Total Long-Term Liabilities $185.3B $215.8B $215.7B $240.8B $249.8B $245.9B $231.0B $219.6B $278.5B $0.00 $0.00
YoY Change -14.14% 0.05% -10.45% -3.6% 1.58% 6.48% 5.18% -21.16%
Total Liabilities $5744B $4302B $3108B $2416B $1896B $1498B $1292B $1092B $1165B $87.00K $317.0K
YoY Change 33.5% 38.42% 28.67% 27.44% 26.52% 15.98% 18.25% -6.24% 1339114424.14% -72.56%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $20.277 Billion

About Joint Stock Co Kaspi.kz

Kaspi.kz AO is a KZ-based company operating in Consumer Finance industry. The company is headquartered in Almaty, Almatinskaya Oblast. The company went IPO on 2018-05-28. Kaspi.kz AO (Joint Stock Company Kaspi.kz), formerly Aktsionernoe obshchestvo kaspi, is a Kazakhstan-based financial technology company, which provide a range of services such as online payments, e-commerce, and digital banking. The firm operates as holding company for Kaspi Group AO and Kaspi Magazin TOO. The firm operates through two segments. Mass retail offers a wide range of products and financial services to retail customers through a network of branches, offices, and automated teller machine (ATM). These products include savings and current accounts, credit cards, car loans and commodity loans, as well as a wide range of insurance policies. Financial services for corporate, middle, and small, and other businesses segment, including deposits, overdrafts, loans and other credit services and currency exchange.

Industry: Services-Business Services, NEC Peers: