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

Financial data updated nightly

Kaspi.kz AO

KSPI.KZ ✓ COMPLIANTFree checks used up today ☆ Track — members

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

Kazakhstan Large Cap Analyst: HOLD

Last Close

$100.27

▲ +2.52%

Market Cap $18.90B · Vol 418

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Key Metrics

P/E Ratio

8.01

FWD: 6.83

Market Cap

$18.90B

Large Cap

Div Yield

5.22%

Quarterly dividend

EPS Growth

+14.85%

YoY

RSI (14)

36.26

Momentum

Beta

1.19

vs Market

52W High

$114.67

11.31% below

52W Low

$78.15

37.20% above

Volume

418

Avg 2.35K

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

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MSCI Islamic—
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Alinma—
Albilad—

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Historical Returns

-3.29%

-2.91%

+9.21%

+26.53%

YTD

+10.67%

-6.68%

+2.48%

-9.57%

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	8.01
Forward P/E (FY1)	6.83
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	$100.41
200-Day SMA	$91.68
RSI (14)	36.26
Beta	1.19
52-Week High	$114.67
52-Week Low	$78.15

Volume Today	418
Avg Daily Volume (30D)	2.35K
Relative Volume	0.18x
Volatility (10D)	48.29
Volatility (30D)	40.52
Free Float	34.39%

Analyst Consensus

HOLD

Current Price $100.27

Mean Target $89.90

52W Low$78.15 52W High$114.67

Current

Target

$78.15 $114.67

Current Analyst target

-10.33% 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.