Joint Stock Company Kaspi.kz
Joint Stock Company Kaspi.kz Fundamental Analysis
Joint Stock Company Kaspi.kz (KAKZF) shows strong financial fundamentals with a PE ratio of 6.33, profit margin of 30.32%, and ROE of 59.00%. The company generates $4047.5B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 97.6/100 based on profitability, valuation, growth, and balance sheet metrics. The A grade reflects excellent fundamentals and strong overall stability.
Fundamental Health Score
We analyze KAKZF's fundamental strength across five key dimensions:
Efficiency Score
ExcellentKAKZF demonstrates superior asset utilization.
Valuation Score
ExcellentKAKZF trades at attractive valuation levels.
Growth Score
ModerateKAKZF shows steady but slowing expansion.
Financial Health Score
ExcellentKAKZF maintains a strong and stable balance sheet.
Profitability Score
ExcellentKAKZF achieves industry-leading margins.
Key Financial Metrics
Is KAKZF Expensive or Cheap?
P/E Ratio
KAKZF trades at 6.33 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, KAKZF's PEG of 0.02 indicates potential undervaluation.
Price to Book
The market values Joint Stock Company Kaspi.kz at 3.06 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 4.40 times EBITDA. This is generally considered low.
How Well Does KAKZF Make Money?
Net Profit Margin
For every $100 in sales, Joint Stock Company Kaspi.kz keeps $30.32 as profit after all expenses.
Operating Margin
Core operations generate 51.34 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $59.00 in profit for every $100 of shareholder equity.
ROA
Joint Stock Company Kaspi.kz generates $10.62 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Joint Stock Company Kaspi.kz produces operating cash flow of $558.01B, showing steady but balanced cash generation.
Free Cash Flow
Joint Stock Company Kaspi.kz produces free cash flow of $400.04B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1878.43 in free cash annually.
FCF Yield
KAKZF converts 5.16% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.33
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.02
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.06
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.92
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.19
vs 25 benchmark
Current Ratio
Current assets to current liabilities
10.73
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.59
vs 25 benchmark
ROA
Return on assets percentage
0.11
vs 25 benchmark
ROCE
Return on capital employed
0.19
vs 25 benchmark
How KAKZF Stacks Against Its Sector Peers
| Metric | KAKZF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.33 | 35.62 | Better (Cheaper) |
| ROE | 59.00% | 1160.00% | Weak |
| Net Margin | 30.32% | -136515.00% (disorted) | Strong |
| Debt/Equity | 0.19 | 0.39 | Strong (Low Leverage) |
| Current Ratio | 10.73 | 4.79 | Strong Liquidity |
| ROA | 10.62% | -311498.00% (disorted) | Strong |
KAKZF outperforms its industry in 5 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Joint Stock Company Kaspi.kz's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Growth, Innovation, High Beta
EPS CAGR
N/A
Industry Style: Growth, Innovation, High Beta
FCF CAGR
N/A
Industry Style: Growth, Innovation, High Beta