Revenue Breakdown
Composition ()
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Revenue Streams
Kaspi.kz AO (KSPI) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Trade Platform, accounting for 41.9% of total sales, equivalent to KZT 349.35B. Other significant revenue streams include Consumers Financial Services and Payments. Understanding this composition is critical for investors evaluating how KSPI navigates market cycles within the Financial Technology (Fintech) industry.
Profitability & Margins
Evaluating the bottom line, Kaspi.kz AO maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 57.52%, while the net margin is 46.16%. These profitability ratios, combined with a Return on Equity (ROE) of 60.95%, provide a clear picture of how effectively KSPI converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, KSPI competes directly with industry leaders such as IX and V. With a market capitalization of $13.47B, it holds a significant position in the sector. When comparing efficiency, KSPI's gross margin of N/A stands against IX's 42.66% and V's 78.69%. Such benchmarking helps identify whether Kaspi.kz AO is trading at a premium or discount relative to its financial performance.
