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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 quarter ending 2025-12-31, 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
Proven by this page
GROWTH
100/100
→ Income
INCOME
85/100
→ Income
Joint Stock Company Kaspi.kz Balance Sheet History
Metric Q4 FY2025 Q3 FY2025 Q2 FY2025 Q1 FY2025
Total Assets $11.07T$10.35T$10.05T$9.29T
Total Liabilities $8.47T$8.01T$8.02T$7.51T
Total Debt $348.12B$438.05B$591.47B$609.96B
Cash & Investments $304.94B$501.52B$2.25T$686.62B
Total Stockholders Equity $2.49T$2.27T$1.95T$1.71T
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