Compliance updated on Sep 10, 2026 Screened by AAOIFI-Certified Shariah Advisor & Auditor

Financial data updated nightly

Kaspi.kz AO

KSPI.KZ ✓ COMPLIANT ☆ Track — members

Kazakhstan Stock Exchange · Technology · Financial Technology (Fintech) ·

Kazakhstan Large Cap Analyst: HOLD

Last Close

$101.12

▲ +3.11%

Market Cap $19.10B · Vol 2.04K

Key Metrics

P/E Ratio

8.14

FWD: 6.94

Market Cap

$19.10B

Large Cap

Div Yield

5.00%

Quarterly dividend

EPS Growth

+14.85%

YoY

RSI (14)

42.47

Momentum

Beta

1.19

vs Market

52W High

$113.68

7.89% below

52W Low

$77.47

42.48% above

Volume

2.04K

Avg 2.36K

P/B

3.08

Price-to-book

ROE

N/A

Return on equity

Free Float

34.39%

Public shares

Shariah Compliance8 STANDARDS

✓ Yes, Kaspi.kz AO (KSPI.KZ) stock is Shariah compliant

AAOIFI—
Dow Jones Islamic (DJIM)—
FTSE Shariah—
MSCI Islamic—
S&P Shariah—
Al Rajhi—
Alinma—
Albilad—

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See the verdict under each standard, the exact screening ratios, purification and zakat per share. AAOIFI-certified methodology trusted by global Islamic funds.

Which standards does KSPI.KZ pass?

The full report shows the verdict under each of the 8 major Shariah standards, with the business-activity and financial-ratio screens behind every one.

Do I need to purify my investment?

Members see the purification amount per share, updated every financial period under the AAOIFI methodology.

Can I calculate zakat for my shares?

Members get zakat per share and a built-in calculator for their exact holding.

Historical Returns

-5.47%

-1.37%

+11.17%

+25.21%

YTD

+12.58%

-6.98%

+3.35%

-8.14%

Financials & Valuation

TTM · Annual

Total Revenue	N/A
Net Income	$2.11B
Revenue Growth (YoY)	+10.10%
Gross Margin	N/A
Operating Margin	58.70%
Net Profit Margin	47.06%
ROE	N/A
ROA · ROIC	13.69% · 45.99%

P/E Ratio	8.14
Forward P/E (FY1)	6.94
PEG Ratio	2.44
P/S	3.42
P/B	3.08
P/FCF	15.78
EPS Growth	+14.85%
Outstanding Shares	189.33M

Technical Indicators

50-Day SMA	$99.15
200-Day SMA	$90.68
RSI (14)	42.47
Beta	1.19
52-Week High	$113.68
52-Week Low	$77.47

Volume Today	2.04K
Avg Daily Volume (30D)	2.36K
Relative Volume	0.86x
Volatility (10D)	42.25
Volatility (30D)	38.10
Free Float	34.39%

Analyst Consensus

HOLD

Current Price $101.12

Mean Target $89.90

52W Low$77.47 52W High$113.68

Current

Target

$77.47 $113.68

Current Analyst target

-11.09% downside risk · 2 analysts

Identifiers

ExchangeKazakhstan Stock Exchange

FIGIBBG00QD4Z4X6

ISINKZ1C00001536

CountryKazakhstan

Sub-IndustryFinancial Technology (Fintech) (NEC)

Earnings DateNov 9, 2026

TypeStocks

Instrument TypeORD Ordinary Share

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Company Profile

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 Company operates as holding company for Kaspi Group AO and Kaspi Magazin TOO. The Company 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.