Indicators
Indicators
Value
Direction
MACD(12,26,9)
-1.204
Sell
RSI(14)
36.931
Neutral
STOCH(KDJ)(9,3,3)
14.636
Sell
ATR(14)
2.917
Low Volatility
CCI(14)
-120.238
Sell
Williams %R
93.997
Oversold
TRIX(12,20)
-0.146
Sell
StochRSI(14)
0.000
Oversold
Kaspi.kz AO
KSPI73.790USD
-0.370-0.50%
Close 02/06, 16:00（ET）Quotes delayed by 15 min
14.02BMarket Cap
7.01P/E TTM
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score of Kaspi.kz AO
Currency: USD Updated: 2026-02-06Key Insights
Kaspi.kz AO's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 24 out of 72 in the Financial Technology (Fintech) & Infrastructure industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 104.57.In the medium term, the stock price is expected to remain stable.Despite a weak stock market performance over the past month, the company shows strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.
Kaspi.kz AO's Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Media Coverage
Last 24 hours
Coverage Level
Very Low
Very High
Neutral
Kaspi.kz AO Highlights
StrengthsRisks
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.
High Growth
The company's revenue has grown steadily over the past 3 years, averaging 107.42% year-on-year.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 3.49B.
High Dividend
The company is a high dividend payer, with the latest dividend payout ratio of 62.14%.
Stable Dividend
The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 62.14%.
Undervalued
The company’s latest PB is 3.39, at a low 3-year percentile range.
Institutional Selling
The latest institutional holdings are 81.41M shares, decreasing 2.71% quarter-over-quarter.
Held by Azvalor Blue Chips FI
Star Investor Azvalor Blue Chips FI holds 5.83K shares of this stock.
Analyst Rating
Based on
6
analysts
Buy
Current Rating
107.833
Target Price
+41.50%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
Financial Health
Currency: USD Updated: 2026-02-06The current financial score of Kaspi.kz AO is 8.07, ranking 19 out of 72 in the Financial Technology (Fintech) & Infrastructure industry. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 1.15B, representing a year-over-year increase of 26.48%, while its net profit experienced a year-over-year increase of 1.21%.
Score
Financials
6.81
Key Metrics
Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.
Quality of Earnings
7.09
Operational Efficiency
8.86
Growth Potential
10.00
Shareholder Returns
7.60
Kaspi.kz AO's Company Valuation
Currency: USD Updated: 2026-02-06The current valuation score of Kaspi.kz AO is 6.98, ranking 51 out of 72 in the Financial Technology (Fintech) & Infrastructure industry. Its current P/E ratio is 7.01, which is 90.09% below the recent high of 13.33 and 8.24% above the recent low of 6.43.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 24/72
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2026-02-06The current earnings forecast score of Kaspi.kz AO is 8.00, ranking 20 out of 72 in the Financial Technology (Fintech) & Infrastructure industry. The average price target is 115.00, with a high of 149.00 and a low of 88.00.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Analyst Rating
Based on
6
analysts
Buy
Current Rating
107.833
Target Price
+41.50%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
37
Total
6
Median
8
Average
Company name
Ratings
Analysts
Kaspi.kz AO
KSPI
6
Intuit Inc
INTU
34
Affirm Holdings Inc
AFRM
29
Fidelity National Information Services Inc
FIS
28
Circle Internet Group Inc
CRCL
27
Robinhood Markets Inc
HOOD
26
1
2
3
...
8
Financial Forecasting
EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
Price Momentum
Currency: USD Updated: 2026-02-06The current price momentum score of Kaspi.kz AO is 6.12, ranking 53 out of 72 in the Financial Technology (Fintech) & Infrastructure industry. Currently, the stock price is trading between the resistance level at 80.93 and the support level at 69.99, making it suitable for range-bound swing trading.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Indicators
The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.
This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.
Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.
Moving Average
Indicators
Value
Direction
MA5
75.306
Sell
MA10
76.893
Sell
MA20
77.922
Sell
MA50
77.876
Sell
MA100
77.415
Sell
MA200
82.027
Sell
Institutional Confidence
Currency: USD Updated: 2026-02-06The current institutional shareholding score of Kaspi.kz AO is 3.00, ranking 31 out of 72 in the Financial Technology (Fintech) & Infrastructure industry. The latest institutional shareholding proportion is 42.85%, representing a quarter-over-quarter increase of 0.31%. The largest institutional shareholder is Baillie Gifford, holding a total of 4.67M shares, representing 2.46% of shares outstanding, with 11.16% decrease in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Shareholder Activity
Name
Shares Held
Chg %
Lomtadze (M)
Kim (Vyacheslav Konstantinovich)
Fintech Partners Ltd
Asia Equity Partners Ltd
Baring Fintech Fund III Managers Ltd
European Investors Ltd
Fidelity International
1
2
Risk Assessment
Currency: USD Updated: 2026-02-06The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Financial Technology (Fintech) & Infrastructure domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Kaspi.kz AO is 8.41, ranking 4 out of 72 in the Financial Technology (Fintech) & Infrastructure industry. The company's beta value is 0.01. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.
Score
Beta vs S&P 500 index
0.02
VaR
--
240-Day Maximum Drawdown
+32.32%
240-Day Volatility
+38.68%
Return
Best Daily Return
60 days
+5.86%
120 days
+5.86%
5 years
--
Worst Daily Return
60 days
-3.31%
120 days
-4.00%
5 years
--
Sharpe Ratio
60 days
+0.63
120 days
-1.80
5 years
--
Risk Assessment
Maximum Drawdown
240 days
+32.32%
3 years
--
5 years
--
Return-to-Drawdown Ratio
240 days
-0.88
3 years
--
5 years
--
Skewness
240 days
+0.90
3 years
--
5 years
--
Volatility
Realised Volatility
240 days
+38.68%
5 years
--
Standardised True Range
240 days
+3.78%
5 years
--
Downside Risk-Adjusted Return
120 days
-320.59%
240 days
-320.59%
Maximum Daily Upside Volatility
60 days
+21.84%
Maximum Daily Downside Volatility
60 days
+20.91%
Liquidity
Average Turnover Rate
60 days
+0.16%
120 days
+0.16%
5 years
--
Turnover Deviation
20 days
--
60 days
--
120 days
--
Peer Comparison
Financial Technology (Fintech) & Infrastructure
Kaspi.kz AO
KSPI
7.03 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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PRG
8.36 /10
Score
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ACIW
8.19 /10
Score
Financial Health
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Earnings Forecast
Price Momentum
Institutional Confidence
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STNE
8.05 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
NCR Atleos Corp
NATL
8.02 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
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PAY
7.92 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
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