OakChart

Kaspi.kz JSC ADR

KSPITechnology·Software - Infrastructure·Kazakhstan·Large·NASD·Nov 11 • 11:14 AM ET

90.16+2.26 (2.58%)
2026-11-11 17:15 CET
Market cap
16,703.37 USD m
Revenue, TTM
- USD m
Net income, TTM
2,193.13 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
-
P/E
8.20
Compare

Price

KSPI against its 20, 50 and 200-day averages
2050200earnings
80.0090.00100.00110.00792K1.6MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26KSPIclose 90.1620-day 91.9750-day 95.15200-day 87.0190.1652w high

18.0% under the 52-week high of 109.94 on 26 Aug 2026. 52-week low 68.59 on 13 Mar 2026. Last 15 sessions, 11.1% high to low

Profile

KSPI
52-week range, 52% of the way up
68.59109.94

Kaspi.kz JSC provides a mobile app. The firm operates through the following segments: Payments Platform, Marketplace Platform and Fintech Platform. The Payments Platform segment consists of both consumers and merchants, to facilitate cashless, digital transactions. The Marketplace platform segment connects merchants and consumers enabling merchants to increase their sales and consumers to buy a broad selection of products and services offered by a variety of merchants. The Fintech Platform segment enables customers to manage their personal finances online and access consumer finance and deposit products primarily through the Kaspi.kz Super App. The company was founded by Mikheil Nugzarovich Lomtadze and Vyacheslav Konstantinovich Kim on October 16, 2008 and is headquartered in Almaty, Kazakhstan.

Employees14008
IPOJan 19, 2024
Beta0.91
ATR, 14d2.93
Rel volume0.71
Short float0.47%
Insider own19.00%
Inst own25.57%

Snapshot

6 groups

Valuation

Index-
Market Cap17.13B
Enterprise Value-
Income2.19B
Sales9.12B
Book/sh29.08
Cash/sh-
Dividend Est.8.62 (9.56%)
Dividend TTM5.71 (6.33%)
Dividend Ex-DateSep 10, 2026
Dividend Gr. 3/5Y-21.15% -15.83%
Payout16.39%
Employees14008
IPOJan 19, 2024

Ratios

P/E8.20
Forward P/E6.11
PEG0.55
P/S1.88
P/B3.10
P/C-
P/FCF6.36
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio4.89
Debt/Eq0.21
LT Debt/Eq0.21
Option/ShortYes / Yes

Earnings

EPS (ttm)10.99
EPS next Y14.75
EPS next Q3.53
EPS this Y1.37%
EPS next Y16.16%
EPS next 5Y11.17%
EPS past 3/5Y17.78% 26.88%
Sales past 3/5Y39.77% 38.04%
EPS Y/Y TTM-3.58%
Sales Y/Y TTM29.83%
EPS Q/Q17.69%
Sales Q/Q16.77%
EarningsNov 09 BMO
EPS/Sales Surpr.0.51% -7.89%

Ownership

Insider Own19.00%
Insider Trans0.00%
Inst Own25.57%
Inst Trans-1.22%
ROA9.33%
ROE42.95%
ROIC29.76%
Gross Margin-
Oper. Margin30.68%
Profit Margin24.04%
SMA20-1.97%
SMA50-5.25%
SMA2003.63%
Trades-

Technical

Shs Outstand190.03M
Shs Float153.92M
Short Float0.47%
Short Ratio1.26
Short Interest0.72M
52W High109.94 -17.99%
52W Low68.59 31.45%
Volatility3.73% 2.86%
ATR (14)2.93
RSI (14)44.69
Beta0.91
Rel Volume0.71
Avg Volume566.78K
Volume122,294

Performance

Perf Week-5.51%
Perf Month-6.15%
Perf Quarter-9.35%
Perf Half Y2.46%
Perf YTD15.40%
Perf Year20.22%
Perf 3Y-1.98%
Perf 5Y-35.62%
Perf 10Y-
Recom2.00
Target Price107.85
Prev Close87.90
Price90.16
Change %2.58%

Analyst ratings

latest 7 of 7
DateActionAnalystRating changeTargetImplied
Feb 02, 2026DowngradeSSusquehannaPositive → Neutral$87-3.5%
Oct 08, 2025UpgradeGGoldmanNeutral → Buy$107+18.7%
Aug 20, 2025DowngradeJJP MorganOverweight → Neutral$96+6.5%
Nov 04, 2024InitiatedCCitigroupBuy$140+55.3%
Mar 11, 2024InitiatedJJP MorganOverweight$159+76.3%
Feb 27, 2024InitiatedSSusquehannaPositive$154+70.8%
Feb 13, 2024InitiatedWWolfe ResearchOutperform$130+44.2%

Peers

Mkt cap
TickerCompanyMkt cap
PAYPPayPay Corp ADR9.81B
XYZBlock Inc52.47B
GRABGrab Holdings Limited13.57B
MELIMercadoLibre Inc75.79B
NUNu Holdings Ltd58.42B
PAGSPagSeguro Digital Ltd2.23B
SESea Ltd ADR41.80B
PYPLPayPal Holdings Inc48.98B
SOFISoFi Technologies Inc21.47B
AFRMAffirm Holdings Inc23.31B

Insider trading

11 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
FINTECH PARTNERS LTDAffiliateOct 23 '26Proposed Sale90.53545,00049,338,850Oct 23 04:23 PM
Kim VyacheslavDirectorAug 31 '26Proposed Sale105.591,932,309204,032,507Aug 31 04:05 PM
FINTECH PARTNERS LTDAffiliateAug 18 '26Proposed Sale99.051,200,000118,860,000Aug 18 04:04 PM
Kim VyacheslavDirectorAug 17 '26Proposed Sale99.18300,00029,754,000Aug 17 05:15 PM
Iurii DidenkoAffiliateAug 17 '26Proposed Sale98.7050,0004,935,000Aug 17 04:25 PM
Kim VyacheslavDirectorJun 04 '26Proposed Sale86.821,000,00086,820,000Jun 04 04:23 PM
FINTECH PARTNERS LTDAffiliateMay 29 '26Proposed Sale90.401,000,00090,400,000May 29 04:56 PM
FINTECH PARTNERS LTDAffiliateApr 01 '26Proposed Sale74.07951,14070,450,940Apr 01 04:23 PM
Kim VyacheslavDirectorMar 10 '26Proposed Sale74.001,000,00074,000,000Mar 10 04:39 PM
Asia Equity Partners Ltd.AffiliateDec 19 '25Proposed Sale77.55758,44758,817,565Dec 19 05:17 PM
Asia Equity Partners Ltd.AffiliateNov 12 '25Proposed Sale75.00357,77926,833,425Nov 12 04:48 PM

Held by

AUM
TickerCompanyAUM
WCMIFirst Trust WCM International Equity ETFAUM: 2.12B
WAGNPabrai Wagons ETFAUM: 297.88M
GEMEPacific North of South EM Equity Active ETFAUM: 443.00M
ONEQFidelity Nasdaq Composite Index ETFAUM: 10.35B
EMQQEMQQ The Emerging Markets Internet ETFAUM: 234.29M
IPORenaissance IPO ETFAUM: 132.45M
ARKFARK Blockchain & Fintech Innovation ETFAUM: 706.41M
ORRMilitia Long/Short Equity ETFAUM: 358.90M
BGIABaillie Gifford International Alpha ETFAUM: 318.63M
JEMAJPMorgan ActiveBuilders Emerging Markets Equity ETFAUM: 1.64B

News

latest 14 of 206
  • Kaspi.kz 3Q & 9M 2026 Financial Results (GlobeNewswire)
  • Notice of Extraordinary General Meeting of Shareholders of Kaspi.kz (GlobeNewswire)
  • Kaspi Faces A Steep Revenue Bar As Rate Relief And Kasper AI Face Their First Test (Earnings Whispers)
  • Kaspi.kz to Announce Third Quarter & 9-Month 2026 Financial Results on 9 November (GlobeNewswire)
  • Kaspi.kz JSC's Dividend Analysis (GuruFocus.com)
  • Loading…
  • Announcement of EGM Results (GlobeNewswire)
  • Kaspi.kz JSC (KSPI) (Q2 2026) Earnings Call Highlights: AI-Powered Growth and Strategic ... (GuruFocus.com)
  • Notice of Extraordinary General Meeting of Shareholders of Kaspi.kz (GlobeNewswire)
  • Kaspi.kz 2Q & 1H 2026 Financial Results (GlobeNewswire)
  • Kaspi.kz Completes Acquisition of Rabobank A.S. in Turkiye (GlobeNewswire)
  • Watch the Kaspi Event: Mikheil Lomtadze Unveils Kasper (GlobeNewswire)
  • Kaspi.kz to Announce 2nd Quarter & 1st Half 2026 Financial Results on 10th August (GlobeNewswire)
  • Kaspi.kz receives regulatory approval to acquire Rabobank A.S. in Turkiye (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-093.3343.317-2,4932,7063
2026Q22026-08-102.9862.8872.8302,3732,3243
2026Q12026-05-112.7722.6682.6332,3382,2233
2025Q42026-03-023.0523.3082.8062,3032,3954
2025Q32025-11-102.8772.9982.7212,1161,7234
2025Q22025-08-042.5512.6232.6141,7831,4514
2025Q12025-05-122.4482.6792.5911,5931,3864
2024Q42025-02-243.1833.3453.2461,4441,4554
2024Q32024-10-182.6812.8422.9471,3331,2394
2024Q22024-07-222.5922.7382.7821,2581,1764
2024Q12024-04-222.4292.5202.5571,2391,1733
2023Q42024-02-262.8542.8022.7121,2641,0812
2023Q32023-10-232.6902.0032.651558.55730.781
2023Q22023-07-242.0262.0672.240654.737011
2026Q4--3.528--2,7763
2027Q1--3.250--2,7332

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2022FY6.7766.6096.5352,9312,394
2023FY9.7129.5559.6024,2423,657
2024FY10.60510.95511.5695,0054,575
2025FY11.38911.52911.4648,1277,395
2026FY-12.738--9,632
2027FY-14.921--11,274
2028FY-17.590--12,725
2029FY-22.002---

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-113122,7762,7262,813
2026Q4S2026-11-093122,8242,7782,891
2026Q4S2026-10-203022,7842,7022,868
2026Q4S2026-10-053022,8632,7233,065
2026Q4S2026-09-073022,8652,6803,017
2026Q4S2026-08-113022,8552,6182,999
2026Q4S2026-08-103012,8992,6053,160
2026Q4S2026-08-033002,8852,5613,135
2026Q4S2026-07-303012,8572,5373,104
2026Q4S2026-07-253012,9132,5823,175
2026Q4S2026-07-203112,8892,5613,149
2026Q4S2026-07-063112,8872,5563,143
2026Q4S2026-05-203212,9012,5693,159
2026Q4S2026-05-113202,9832,6183,299

Estimate history

EPS, annual1.5421.9582.6813.2535.216.5359.60211.56910.7310.9906
Period201720182019202020212022202320242025TTM
EPS, quarterly2.9473.2462.5912.6142.7212.8062.6332.83-
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual843.2161087.2241341.8311549.0382182.9332843.2914194.0695393.6317763.3659121.58
Period201720182019202020212022202320242025TTM
Sales, quarterly1359.1991458.5511612.1851883.1092071.6822188.3862175.4662338.572419.162
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual129.744183.18191.805191.805192.187190.31189.333190.016190.228190.027
Period201720182019202020212022202320242025MRQ
Shares, quarterly190.016190.016190.785190.785190.785190.228190.027190.027-
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income3,897.263,030.352,306.141,826.941,244.85989.48779.82684.96565.05
Total Interest Expense2,296.411,743.561,312.361,047.72603.92402.03335.68309.42297.45
Net Interest Income1,600.851,286.80993.78779.21640.92587.45444.14375.54267.60
Loan Loss Provision407.04303.94242.73174.55115.3974.9666.71100.54152.31
Net Interest Income After Loan Loss Provision1,193.81982.86751.05604.67525.54512.50377.43275.00115.29
Non-Interest Income5,224.334,733.013,087.492,367.131,598.441,193.45769.22656.87522.17
Non-Interest Expense3,619.843,160.951,107.19731.73561.09466.18379.12307.48245.73
Operating Income2,798.302,554.922,731.352,240.071,562.891,239.77767.53624.40391.74
Unusual Expense--0.690.000.001.320.080.00--
Net Income Before Taxes2,798.362,555.602,731.352,240.071,561.571,239.69767.53624.40391.74
Income Taxes609.75506.95480.23379.70285.47219.40131.56109.7169.86
Consolidated Net Income2,193.132,048.652,251.111,860.371,276.091,020.28635.97514.69321.88
Net Income From Continuing Operations2,193.132,059.152,214.701,844.111,267.821,012.55630.22505.99305.72
Net Income2,193.132,059.152,214.701,844.111,267.821,012.55630.22505.99305.72
EPS (Recurring)-10.7311.579.606.545.213.252.681.96
EPS (Basic, Before Extraordinaries)11.5310.8011.679.716.615.273.292.681.96
EPS (Diluted)-10.7311.579.606.545.213.252.681.96
Non-Operating Income (Expense)-0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.000.000.000.000.000.000.000.00
Price To Earnings Ratio7.947.948.5210.2510.7327.0716.474.615.54
Price To Sales Ratio-1.933.364.244.5012.676.771.74-
Operating Margin30.6832.9150.6453.4154.9756.7949.5546.5336.03
Net Margin24.0426.5241.0643.9744.5946.3840.6837.7128.12
Shares Outstanding-190.23190.02189.33190.31192.19191.81191.81183.18
Market Capitalization16,703.3716,703.3717,996.4217,756.2112,669.2927,358.8210,376.652,379.342,383.56

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income1,129.621,016.06909.71841.87800.99741.70643.35616.91
Total Interest Expense657.84600.54539.42498.61459.26424.87359.11328.71
Net Interest Income471.77415.52370.29343.26341.73316.83284.24288.21
Loan Loss Provision117.26116.03101.0272.7375.2677.4978.7859.24
Net Interest Income After Loan Loss Provision354.52299.49269.27270.53266.47239.34205.46228.97
Non-Interest Income1,289.551,322.511,265.751,346.521,270.691,141.41968.83841.64
Non-Interest Expense863.68932.25886.22937.68890.55754.13571.65304.55
Operating Income780.38689.76648.80679.36646.61626.62602.64766.05
Unusual Expense-0.10-0.04-0.12-0.02-0.03-0.470.00
Net Income Before Taxes780.38689.66648.84679.48646.63626.64603.11766.05
Income Taxes171.94145.28141.71150.81127.77123.26104.76134.18
Consolidated Net Income608.44544.38507.13528.67518.86503.39498.36631.87
Net Income From Continuing Operations608.44539.84502.07542.78521.42500.85494.45622.87
Net Income608.44539.84502.07542.78521.42500.85494.45622.87
EPS (Recurring)-2.832.632.812.722.612.593.25
EPS (Basic, Before Extraordinaries)3.202.842.642.852.732.632.603.28
EPS (Diluted)-2.832.632.812.722.612.593.25
Non-Operating Income (Expense)-0.000.000.000.000.000.000.00
Other After Tax Adjustments-0.000.000.000.000.000.000.00
Price To Earnings Ratio7.947.996.856.957.127.287.988.52
Price To Sales Ratio-1.881.701.952.232.583.073.38
Operating Margin32.2629.4929.8231.0431.2133.2837.3852.52
Net Margin25.1523.0823.0824.8025.1726.6030.6742.70
Shares Outstanding-190.03190.03190.23190.78190.78190.78190.02
Market Capitalization16,703.3716,462.9914,074.4914,845.9515,520.5116,130.4617,642.9917,996.42

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks959.29484.78673.22481.42424.13420.54332.67312.84226.45
Investments3,176.122,872.423,177.572,348.471,397.072,123.731,285.24968.70642.32
Net Loans14,607.0811,701.4710,339.557,718.386,082.243,767.953,753.583,028.343,423.15
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets27.8027.8735.2636.3842.7256.5177.83--
Net Property, Plant & Equipment618.91368.30313.24251.94163.21142.98137.8375.9876.42
Interest Receivables209.68130.69101.4177.6763.5945.9246.160.000.00
Other Intangible Assets2,250.77383.47331.73158.37125.35110.0279.5174.8358.66
Total Assets21,849.6515,969.0014,971.9711,072.648,298.326,667.665,712.824,460.684,427.00
Total Deposits14,849.2812,509.4511,942.278,649.216,355.075,108.894,248.803,235.762,944.55
Total Debt717.71252.22339.77465.32631.88515.79572.85597.71805.88
Long Term Debt717.710.00233.16330.66631.88515.79565.02566.66568.40
Provision for Risks Charges0.000.000.000.000.000.009.4212.11-
Deferred Tax Liabilities140.808.346.947.025.785.516.204.811.27
Other Liabilities1,012.40200.69261.80166.02144.7899.92103.5348.87101.64
Total Liabilities16,720.1812,970.7012,550.779,287.567,137.515,730.114,940.813,899.263,853.34
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity4,913.122,892.242,366.141,770.981,149.38929.13762.64528.81544.44
Total Shareholders Equity4,913.122,892.242,366.141,770.981,149.38929.13762.64528.81544.44
Accumulated Minority Interest216.36106.0655.0614.1011.438.419.3732.6129.21
Total Equity5,129.482,998.292,421.201,785.081,160.81937.55772.01561.42573.65
Total Liabilities & Stockholders Equity21,849.6515,969.0014,971.9711,072.648,298.326,667.665,712.824,460.684,427.00
Book Value Per Share25.8315.2212.509.315.984.843.972.884.20
Tangible Book Value Per Share17.0414.2811.749.135.814.723.862.784.04
Tier 1 Capital2,619.241,873.771,625.39------
Tier 2 Capital-68.6268.00------
Full-Time Employees14,0089,6378,7727,8027,9939,310--10
Price to Book Ratio3.026.458.397.9123.8011.193.123.42-
Return on Assets10.8914.3214.1613.0913.5310.189.956.884.95
Return on Equity52.7684.2489.1586.8397.4374.5078.3656.9743.25
Return on Invested Capital36.5776.5770.9560.3356.8443.6238.1127.9117.98
Current Ratio0.920.630.800.730.610.770.941.031.80

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations-2,701.032,480.481,799.921,383.711,093.88705.16563.52459.93
Extraordinary Item-0.000.000.000.000.000.000.000.00
Changes in Working Capital-505.84-41.8853.31-28.32-4,953.40-37.51-32.38-19.45
Cash from Operating Activities-3,206.872,438.601,853.231,355.40-3,859.51667.64531.15440.48
Capital Expenditures--350.20-203.90-110.16-128.87-58.38-43.93-44.21-31.84
Net Assets From Acquisitions--1,060.740.00-63.680.00-11.98-1.60-30.630.00
Sale of Fixed Assets and Businesses-0.011.110.481.1411.451.681.451.26
Purchase or Sale of Investments-294.23-21.10-316.21-901.14728.10-841.75-215.07-352.02
Purchase of Investments--1,637.56-1,376.47-5,754.68-3,294.32-2,465.58-1,799.55-994.97-785.63
Sale Or Maturity of Investments-1,931.791,355.385,438.472,393.183,193.68957.81779.90433.61
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00
Other Uses-0.000.000.000.000.000.000.000.00
Other Sources-0.000.000.000.000.000.000.000.00
Cash from Investing Activities--4,331.83-3,685.21-2,981.39-2,618.113,135.59-1,225.28-1,128.35-1,122.61
Cash Dividends Paid-0.00-1,376.13-1,227.72-455.32-797.92-423.50-255.090.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Change in Capital Stock--42.03-6.07-133.05-137.980.000.000.00-218.08
Repurchase of Common Pref Stock--42.03-6.07-133.05-137.980.000.000.00-218.08
Sale of Common Pref Stock-0.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options-0.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-402.35-52.22-162.53-130.15154.86-7.24-21.98-138.27
Change in Long Term Debt-0.000.000.000.000.000.000.000.00
Reduction of Long Term Debt-0.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow--23.16-25.76-18.79-4.63-4.33-5.13-8.29-9.45
Other Financing Activities Uses--23.16-25.76-18.79-4.63-4.33-5.13-8.29-9.45
Cash from Financing Activities-2,206.89765.131,601.581,843.70753.45745.86804.20245.57
Exchange Rate Effect--62.1475.08-14.6733.269.7938.02-1.5241.54
Net Change in Cash-1,019.80-406.41458.75614.2539.31226.24205.48-395.02
Free Cash Flow-2,856.682,234.691,743.071,226.52-3,917.89623.72486.94408.64
Price to Free Cash Flow-5.2521.1234.4716.60-52.3410.10-

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks1,119.981,288.36923.02959.29886.29484.46
Investments-3,374.072,605.763,176.122,384.872,355.04
Net Loans19,998.3817,156.7716,457.9114,607.0812,882.7013,908.13
Investment in Unconsolidated Affiliates-0.000.000.000.000.00
Net Property, Plant & Equipment1,662.371,566.931,498.95618.91780.04763.97
Interest Receivables-249.20239.74209.68178.63168.76
Other Intangible Assets1,797.331,615.041,539.922,250.771,751.611,657.94
Total Assets28,170.0425,250.3823,265.3021,849.6518,864.1519,338.29
Total Deposits19,198.7816,871.7515,427.9414,849.2812,665.9712,773.77
Total Debt1,299.351,282.08701.70717.71797.311,137.67
Long Term Debt1,299.351,282.08661.17717.71690.04844.03
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities154.87153.31150.13140.80--
Other Liabilities1,252.861,225.111,167.871,012.401,130.351,520.59
Total Liabilities21,905.8619,532.2517,447.6316,720.1814,593.6315,432.03
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity6,070.235,526.745,627.034,913.124,141.423,761.50
Total Shareholders Equity6,070.235,526.745,627.034,913.124,141.423,761.50
Accumulated Minority Interest193.95191.38190.64216.36129.10144.76
Total Equity6,264.185,718.135,817.675,129.484,270.523,906.26
Total Liabilities & Stockholders Equity28,170.0425,250.3823,265.3021,849.6518,864.1519,338.29
Book Value Per Share-29.0829.6125.8321.7119.72
Tangible Book Value Per Share-24.0224.6617.0415.8113.97
Tier 1 Capital---2,619.242,289.782,292.02
Full-Time Employees---14,008--
Price to Book Ratio3.022.932.873.604.144.78
Return on Assets9.339.459.9210.8912.3212.66
Return on Equity42.9545.3545.8552.7761.7569.35
Return on Invested Capital8.267.937.989.6410.7910.88
Current Ratio4.891.080.960.920.590.81

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations-770.07761.25615.60566.19778.43
Extraordinary Item-0.000.000.000.000.00
Changes in Working Capital-180.80-58.83-3,216.943,449.00-258.46
Cash from Operating Activities-950.87702.42-2,601.344,015.19519.97
Capital Expenditures--117.94-66.36-127.88-59.61-106.47
Net Assets From Acquisitions-0.000.0044.28-554.15-18.72
Sale of Fixed Assets and Businesses-0.110.04-0.380.080.15
Purchase or Sale of Investments--873.36-225.39121.09-191.1852.72
Purchase of Investments--1,378.16-803.31-655.50-596.43-310.73
Sale Or Maturity of Investments-504.80577.92776.59405.25363.45
Other Uses-0.000.000.000.000.00
Other Sources-0.000.000.000.000.00
Cash from Investing Activities--1,507.74-649.83-692.75-1,703.06-901.14
Cash Dividends Paid--666.550.000.000.000.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.00
Change in Capital Stock--1.40-57.11-41.600.000.00
Repurchase of Common Pref Stock--1.40-57.11-41.600.000.00
Sale of Common Pref Stock-0.000.000.000.000.00
Proceedsfrom Stock Options-0.000.000.000.000.00
Issuance or Reduction of Debt, Net-531.4817.98-146.81-343.58-112.03
Change in Long Term Debt-0.000.000.000.000.00
Reduction of Long Term Debt-0.000.000.000.000.00
Net Financing Active Other Cash Flow--0.640.00-19.83-1.88-1.21
Other Financing Activities Uses--0.640.00-19.83-1.88-1.21
Cash from Financing Activities-1,292.97-192.93824.30225.231,223.29
Exchange Rate Effect--11.67-47.59-40.8510.645.62
Net Change in Cash-724.44-187.94759.39-722.03847.74
Free Cash Flow-832.93636.06-2,729.223,955.58413.49
Price to Free Cash Flow-8.156.205.372.727.70

Revenue breakdown

Consolidation, Policy2024: -116.19M 2025: -107.77M
Kazakhstan And Other2024: 5.54B 2025: 5.92B
Turkiye2025: 1.99B
Consolidation, Policy2024: -149.38M 2025: -167.87M
Fintech2024: 2.75B 2025: 2.98B
Marketplace2024: 1.57B 2025: 3.72B
Payments2024: 1.26B 2025: 1.27B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.47%0.7M153.9M579.13K
2026-10-150.49%0.7M153.9M556.80K
2026-09-300.54%0.8M153.9M520.29K
2026-09-150.55%0.9M153.9M517.15K
2026-08-310.78%1.2M153.9M475.77K
2026-08-140.73%1.1M150.7M458.13K
2026-07-310.80%1.2M147.0M404.80K
2026-07-150.85%1.3M147.6M477.98K
2026-06-301.03%1.5M147.6M502.83K
2026-06-151.33%2.0M147.6M525.83K
2026-05-291.10%1.6M147.6M574.55K
2026-05-151.09%1.6M147.6M570.50K
2026-04-301.16%1.7M145.8M580.08K
2026-04-151.37%2.0M145.8M535.34K
2026-03-311.17%1.7M145.8M537.66K
2026-03-131.20%1.7M145.8M505.41K
2026-02-271.01%1.5M145.8M447.98K
2026-02-131.07%1.6M145.8M465.42K
2026-01-300.98%1.5M157.5M477.16K
2026-01-151.00%1.6M157.5M500.28K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call55.0032.6035.600.002.0700.000.000.973-0.0610.008
call60.0027.8030.600.001.8610.000.000.926-0.1930.019
call65.0022.8025.700.001.6080.000.000.914-0.1830.022
call70.0017.8020.700.001.2931.000.000.897-0.1720.025
call75.0012.8015.500.000.9391.000.000.874-0.1570.029
call80.007.9011.000.000.8340.000.000.838-0.1380.034
call85.003.306.508.900.6132.000.000.749-0.1340.045
call90.001.202.451.200.4669.001.000.489-0.1300.056
call95.000.250.450.210.35164.0070.000.238-0.1070.044
call1000.050.950.140.5631260.000.119-0.0860.028
call1050.050.400.080.70898.000.000.090-0.0890.023
call1100.000.350.050.8721540.000.076-0.0960.020
call1150.001.000.100.9750.000.000.062-0.0920.017
call1200.001.000.401.1051.000.000.056-0.0970.016
call1250.002.150.001.2230.000.000.052-0.1000.015
call1300.001.000.001.3310.000.000.048-0.1040.014
call1350.002.150.001.4370.000.000.045-0.1060.013
call1400.001.200.001.5360.000.000.043-0.1090.013
call1450.002.150.001.6310.000.000.041-0.1110.012
put55.000.000.250.001.5780.000.00-0.026-0.0710.009
put60.000.001.000.001.9550.000.00-0.072-0.2100.019
put65.000.001.000.001.6450.000.00-0.084-0.2000.022
put70.000.001.000.001.3520.000.00-0.101-0.1870.025
put75.000.002.150.151.05914.000.00-0.125-0.1720.029
put80.000.001.000.130.78937.000.00-0.161-0.1520.034
put85.000.551.000.850.5764311.00-0.248-0.1480.045
put90.002.102.502.140.4504447.00-0.480-0.1430.056
put95.004.907.608.060.8191910.00-0.758-0.1210.044
put1009.7012.4012.601.00652.000.00-0.878-0.0980.028
put10514.5017.4015.501.23017.000.00-0.908-0.1010.023
put11019.5022.5020.101.45314.000.00-0.927-0.0980.019
put11524.5027.5025.401.6354.000.00-0.936-0.1030.017
put12029.5032.3030.901.7494.000.00-0.941-0.1070.016
put12533.6037.5035.601.9571.000.00-0.946-0.1100.015
put13039.2042.5040.802.1587.000.00-0.949-0.1130.014
put13543.6047.5045.902.2956.000.00-0.952-0.1150.013
put14048.8052.5050.302.4251.000.00-0.955-0.1170.013
put14553.6057.5055.802.5482.000.00-0.957-0.1190.012

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-096-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-09SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-04SEC
2026-11-034Statement of changes in beneficial ownership of securities2026-10-30SEC
2026-10-294Statement of changes in beneficial ownership of securities2026-10-27SEC
2026-10-264Statement of changes in beneficial ownership of securities2026-10-22SEC
2026-10-23144Filing for proposed sale of securities under Rule 144.SEC
2026-10-214Statement of changes in beneficial ownership of securities2026-10-19SEC
2026-10-164Statement of changes in beneficial ownership of securities2026-10-14SEC
2026-10-134Statement of changes in beneficial ownership of securities2026-10-09SEC
2026-10-084Statement of changes in beneficial ownership of securities2026-10-06SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-09-304Statement of changes in beneficial ownership of securities2026-09-28SEC
2026-09-254Statement of changes in beneficial ownership of securities2026-09-23SEC
2026-09-224Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-174Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-15SCHEDULE 13D/ASEC
2026-09-144Statement of changes in beneficial ownership of securities2026-09-10SEC
2026-09-106-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-10SEC
2026-09-10SCHEDULE 13D/ASEC
2026-09-094Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-08-31144Filing for proposed sale of securities under Rule 144.SEC
2026-08-314Statement of changes in beneficial ownership of securities2026-08-27SEC
2026-08-264Statement of changes in beneficial ownership of securities2026-08-24SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-18144Filing for proposed sale of securities under Rule 144.SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
Baring Fintech Manager Holding Ltd8.81%
Brehaut David Pascal6.45%
Baring Fintech Fund III Managers Ltd3.74%
BAILLIE GIFFORD & CO2.97%
FIL Ltd1.81%
PZENA INVESTMENT MANAGEMENT LLC1.47%
Spice Expeditions, LP1.38%
SCHRODER INVESTMENT MANAGEMENT GROUP1.22%
FMR LLC1.02%
SANDS CAPITAL MANAGEMENT, LLC0.81%

Funds

Fund% owned
MFS Emerging Markets Debt Fund7.60%
TCW Emerging Markets Income Fund4.30%
iShares Flexible Income Active ETF2.48%
BlackRock Strategic Income Opportunities Portfolio1.85%
iShares 1-5 Year Investment Grade Corporate Bond ETF1.75%
PIMCO Emerging Markets Bond Fund1.16%
Fidelity Emerging Markets Fund0.68%
Strategic Advisers Fidelity Emerging Markets Fund0.60%
New World Fund Inc0.53%
Mercer Opportunistic Fixed Income Fund0.53%

OakChart. KSPI. Cached 15 minutes.