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 14.72, profit margin of 46.51%, and ROE of 88.71%. The company generates $1397.1B 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 89.4/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
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
ModerateKAKZF shows balanced financial health with some risks.
Profitability Score
ExcellentKAKZF achieves industry-leading margins.
Key Financial Metrics
Is KAKZF Expensive or Cheap?
P/E Ratio
KAKZF trades at 14.72 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, KAKZF's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Joint Stock Company Kaspi.kz at 10.51 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 14.18 times EBITDA. This signals the market has high growth expectations.
How Well Does KAKZF Make Money?
Net Profit Margin
For every $100 in sales, Joint Stock Company Kaspi.kz keeps $46.51 as profit after all expenses.
Operating Margin
Core operations generate 57.29 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $88.71 in profit for every $100 of shareholder equity.
ROA
Joint Stock Company Kaspi.kz generates $11.42 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 generates strong operating cash flow of $1.13T, reflecting robust business health.
Free Cash Flow
Joint Stock Company Kaspi.kz generates strong free cash flow of $1.07T, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5015.07 in free cash annually.
FCF Yield
KAKZF converts 10.05% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.72
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.001
vs 25 benchmark
P/B Ratio
Price to book value ratio
10.51
vs 25 benchmark
P/S Ratio
Price to sales ratio
7.60
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.33
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.95
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.89
vs 25 benchmark
ROA
Return on assets percentage
0.11
vs 25 benchmark
ROCE
Return on capital employed
0.67
vs 25 benchmark
How KAKZF Stacks Against Its Sector Peers
| Metric | KAKZF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.72 | 37.32 | Better (Cheaper) |
| ROE | 88.71% | 1000.00% | Weak |
| Net Margin | 46.51% | 5884884788.00% | Weak |
| Debt/Equity | 0.33 | 0.56 | Strong (Low Leverage) |
| Current Ratio | 0.95 | 5.09 | Weak Liquidity |
| ROA | 11.42% | -294709.00% (disorted) | Strong |
KAKZF outperforms its industry in 3 out of 6 key metrics, particularly excelling in ROA, 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