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End-of-day quote
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5-day change | 1st Jan Change | ||
| 90.79 USD | +3.46% |
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+4.37% | +12.80% |
| 07-14 | Joint Stock Company Kaspi.kz acquired Rabobank A.S. from Rabobank International Holding BV. | CI |
| 06-24 | Kaspi.kz Receives Turkish Regulatory Approval to Acquire Rabobank in Turkiye | MT |
Projected Income Statement: Kaspi Bank
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 936,803 | 1,315,552 | 1,913,490 | 2,532,156 | 4,046,074 | 4,984,553 | 5,620,009 | 7,216,992 |
| Change | - | 40.43% | 45.45% | 32.33% | 59.79% | 23.19% | 12.75% | 28.42% |
| EBITDA 1 | - | - | - | 2,041,856 | 1,556,372 | 1,557,250 | 1,851,662 | 2,128,665 |
| Change | - | - | - | - | -23.78% | 0.06% | 18.91% | 14.96% |
| EBIT 1 | 528,802 | 720,574 | 1,022,004 | 1,282,289 | 1,331,918 | 1,514,715 | 1,719,773 | 2,214,488 |
| Change | - | 36.27% | 41.83% | 25.47% | 3.87% | 13.72% | 13.54% | 28.77% |
| Interest Paid 1 | -171,491 | - | - | -616,116 | -908,698 | -1,100,211 | -1,130,116 | - |
| Earnings before Tax (EBT) | 528,802 | 720,574 | 1,022,004 | - | - | - | - | - |
| Change | - | 36.27% | 41.83% | - | - | - | - | - |
| Net income 1 | 435,214 | 588,844 | 848,770 | 1,056,834 | 1,067,707 | 1,081,036 | 1,260,828 | 1,528,585 |
| Change | - | 35.3% | 44.14% | 24.51% | 1.03% | 1.25% | 16.63% | 21.24% |
| Announcement Date | 2/28/22 | 2/27/23 | 2/26/24 | 2/24/25 | 3/2/26 | - | - | - |
Forecast Balance Sheet: Kaspi Bank
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | -538,837 | -859,933 | - | - | - |
| Change | - | - | - | - | -59.59% | - | - | - |
| Announcement Date | 2/28/22 | 2/27/23 | 2/26/24 | 2/24/25 | 3/2/26 | - | - | - |
Cash Flow Forecast: Kaspi Bank
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| CAPEX 1 | 18,189 | 24,901 | 59,468 | 50,257 | 95,726 | 182,513 |
| Change | - | 36.9% | 138.82% | -15.49% | 90.47% | 90.66% |
| Free Cash Flow (FCF) 1 | 263,305 | -514,636 | -58,482 | -268,371 | -722,752 | -714,366 |
| Change | - | -295.45% | 88.64% | -358.9% | -169.31% | 1.16% |
| Announcement Date | 3/1/21 | 2/25/22 | 2/28/23 | 2/29/24 | 2/25/25 | 3/16/26 |
Forecast Financial Ratios: Kaspi Bank
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | - | - | - | 80.64% | 38.47% | 31.24% | 32.95% | 29.5% |
| EBIT Margin (%) | 56.45% | 54.77% | 53.41% | 50.64% | 32.92% | 30.39% | 30.6% | 30.68% |
| EBT Margin (%) | 56.45% | 54.77% | 53.41% | - | - | - | - | - |
| Net margin (%) | 46.46% | 44.76% | 44.36% | 41.74% | 26.39% | 21.69% | 22.43% | 21.18% |
| FCF margin (%) | - | - | - | 19.2% | - | - | - | - |
| FCF / Net Income (%) | - | - | - | 46% | - | - | - | - |
Profitability | ||||||||
| ROA | 13.57% | 13.49% | 14.21% | 6.95% | 10.97% | - | - | - |
| ROE | 97.71% | 89.29% | 89.47% | 40.72% | 53.26% | 43.22% | 44.24% | 41.91% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Debt / Free cash flow | - | - | - | - | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | - | - | - | 3.78% | - | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | 4.69% | - | - | - | - |
| CAPEX / FCF (%) | - | - | - | 19.69% | - | - | - | - |
Items per share | ||||||||
| Cash flow per share 1 | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | - | - | 3,200 | 3,400 | - | 3,400 | 3,728 | 4,164 |
| Change | - | - | - | 6.25% | - | - | 9.63% | 11.72% |
| Book Value Per Share 1 | - | - | 4,319 | 7,985 | 12,985 | 15,338 | 17,686 | 20,207 |
| Change | - | - | - | 84.89% | 62.62% | 18.12% | 15.31% | 14.25% |
| EPS 1 | - | - | 4,381 | 5,431 | 5,592 | 5,639 | 6,519 | 7,728 |
| Change | - | - | - | 23.97% | 2.96% | 0.84% | 15.6% | 18.55% |
| Nbr of stocks (in thousands) | - | - | 189,685 | 190,016 | 190,785 | 190,027 | 190,027 | 190,027 |
| Announcement Date | - | - | 2/26/24 | 2/24/25 | 3/2/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 7.67x | 6.63x |
| PBR | 2.82x | 2.45x |
| EV / Sales | 1.65x | 1.46x |
| Yield | 7.86% | 8.62% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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Quarterly revenue - Rate of surprise
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