Kaspi.kz JSCKSPI +2.61%81 Days Payable is 1,169.89 as of Mar. 2026, which is 57% below its 10-year median of 2,713.75. GuruFocus rates KSPI with a GF Score™ of 81/100 and a GF Value™ of $205.58 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 2,601 Software companies, Kaspi.kz JSC ranks better than 96.58% on this metric.
The historical rank and industry rank for Kaspi.kz JSC's Days Payable or its related term are showing as below:
KSPI'
s Days Payable Range Over the Past 10 Years
Min: 1232.32 Med: 2713.75 Max: 3630.34
Current: 1262.4
During the past 10 years, Kaspi.kz JSC's highest Days Payable was 3630.34. The lowest was 1232.32. And the median was 2713.75.
KSPI's Days Payable is ranked better than 96.58% of 2601
companies
in the Software industry
Industry Median: 54.04
vs KSPI: 1262.40
Kaspi.kz JSC's Days Payable
declined
from Mar. 2025 (1,485.57) to Mar. 2026 (1,169.89).
It may suggest that Kaspi.kz JSCaccelerated paying its suppliers.
Kaspi.kz JSC Days Payable Related Terms
Kaspi.kz JSC Days Payable Historical Data
* Premium members only.
The historical data trend for Kaspi.kz JSC's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Infrastructure subindustry, Kaspi.kz JSC's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Kaspi.kz JSC Days Payable vs Software Industry
For the Software industry and Technology sector, Kaspi.kz JSC's Days Payable distribution charts can be found below:
* The bar in red indicates where Kaspi.kz JSC's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Kaspi.kz JSC's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Kaspi.kz JSC (KSPI) has a Days Payable of 1,169.89 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Kaspi.kz JSC and its competitors. This is 57% below median its historical median of 2,713.75. Over the past decade, Kaspi.kz JSC's Days Payable has ranged from 1,232.32 to 3,630.34. According to the industry distribution chart, Kaspi.kz JSC ranks #89 out of 2601 companies in the Software industry, placing it in the top 3.4%.
Is Kaspi.kz JSC's Days Payable too high?
Kaspi.kz JSC's current Days Payable of 1,169.89 is 57% below median its 10-year median of 2,713.75. Over the past 10 years, this metric has ranged from a low of 1,232.32 to a high of 3,630.34. The Software industry median Days Payable is 54.04. Kaspi.kz JSC's value of 1,169.89 is 2064.9% above this industry median. Based on the distribution chart, Kaspi.kz JSC ranks #89 out of 2601 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Kaspi.kz JSC has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kaspi.kz JSC's Days Payable compare to MSFT and ORCL?
According to the Software industry distribution chart, Kaspi.kz JSC ranks #89 out of 2601 companies for Days Payable. This places Kaspi.kz JSC in the top 3% of its industry — outperforming the majority of peers. The industry median Days Payable is 54.04. Kaspi.kz JSC's value of 1,169.89 is 2064.9% above this benchmark. Historically, Kaspi.kz JSC's own Days Payable has ranged from 1,232.32 to 3,630.34 over the past decade. While the company's 10-year median is 2,713.75 vs. the industry median of 54.04, Kaspi.kz JSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Software company?
The median Days Payable among Software companies is 54.04, based on 2,601 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kaspi.kz JSC's current Days Payable of 1,169.89 is 2064.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Kaspi.kz JSC and its competitors. For the Software industry, the median Days Payable is 54.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kaspi.kz JSC's current Days Payable is 1,169.89, which is 57% below median its own 10-year median of 2,713.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kaspi.kz JSC stock overvalued right now?
Based on GuruFocus' analysis, Kaspi.kz JSC (KSPI) is currently considered Significantly Undervalued. The stock's GF Value™ is $205.58, compared to a current price of $88.95 — trading 56.7% below its estimated fair value. The current Days Payable is 1,169.89, which is 57% below median its 10-year median of 2,713.75 and 2064.9% above the Software industry median of 54.04. Kaspi.kz JSC's overall GF Score™ is 81/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Kaspi.kz JSC (KSPI), the current Days Payable is 1,169.89 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Kaspi.kz JSC (KSPI) Overvalued in 2026?
Based on GuruFocus' analysis, Kaspi.kz JSC stock appears to be undervalued.
The current stock price of $88.95 is trading 56.7% below its estimated GF Value™ of $205.58.
GuruFocus considers Kaspi.kz JSC to be Significantly Undervalued.
Key valuation signals for KSPI:
Days Payable: 1,169.89 (57% below median its 10-year median of 2,713.75)
GF Value™: $205.58 vs. price of $88.95 (56.7% below fair value)
Industry Position: 2064.9% above the Software median (#89 of 2601)
No single metric tells the full story. See the KSPI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kaspi.kz JSC is the payment, marketplace, and Fintech ecosystem in Kazakhstan. The firm provides interconnected technologically seamless products and services that help people to pay, shop and manage their finances. Its operating segment includes the Payments Platform that connects its customers, which consist of both consumers and merchants, to facilitate cashless, digital transactions, the Marketplace Platform, which derives maximum revenue, 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, and Fintech Platform that enables customers to manage their personal finances online and access consumer finance and deposit products through the Kaspi.kz Super App.
81GF Score
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