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Joint Stock Company Kaspi.kz KSPI NASDAQ

NASDAQ Global Select • Technology • Software - Infrastructure • KZ • USD

SharesGrow Score
82/100
5/7 Pass
SharesGrow Intrinsic Value
$267,341.00
+324579.4%
Analyst Price Target
$97.00
+17.8%

Joint Stock Company Kaspi.kz (KSPI) reported total assets of $11.07T and total liabilities of $8.47T for fiscal year 2025, resulting in total equity of $2.6T.

The company held $304.94B in cash and short-term investments. Total debt stood at $348.12B, with net debt of $43.18B. The Debt-to-Equity (D/E) ratio was 0.13 (conservative).

Criteria supported by this page:

  • HEALTH (50/100, Partial) — some metrics are adequate but not all reach ideal thresholds
  • MOAT (88/100) — Total assets $11.07T and equity $2.6T support the company's competitive scale
  • VALUE (92/100) — Debt-to-Equity 0.13 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 82/100 with 5/7 criteria passed.

SharesGrow 7-Criteria Score
82/100
SG Score
View full scorecard →
VALUE
92/100
Price-to-Earnings & upside
→ Valuation
~
FUTURE
58/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
~
HEALTH
50/100
Debt-to-Equity & liquidity
Proven by this page
MOAT
88/100
→ Income
GROWTH
100/100
→ Income
INCOME
85/100
→ Income
Joint Stock Company Kaspi.kz Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $11.07T$8.38T$6.82T$5.12T
Total Liabilities $8.47T$6.8T$5.72T$4.3T
Total Debt $348.12B$221.46B$222.16B$267.06B
Cash & Investments $304.94B$2.11T$2.2T$1.69T
Total Stockholders Equity $2.49T$1.52T$1.08T$819.17B
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