Kaspi.kz JSC (XKAZ:KSPI) Margin of Safety % (DCF Earnings Based): N/A (As of Jul. 25, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XKAZ:KSPI Kaspi.kz JSC XKAZ:KSPI
76 GF Score
Price ₸40,851.11
GF Value ₸93,476.73
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Kaspi.kz JSC Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Kaspi.kz JSC's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

XKAZ:KSPI vs MSFT, ORCL, PLTR: Margin of Safety % (DCF Earnings Based) Comparison

For the Software - Infrastructure subindustry, Kaspi.kz JSC's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Software Industry

For the Software industry and Technology sector, Kaspi.kz JSC's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Kaspi.kz JSC's Margin of Safety % (DCF Earnings Based) falls into.


XKAZ:KSPI
76GF Score
Kaspi.kz JSC XKAZ:KSPI
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Kaspi.kz JSC (XKAZ:KSPI) Overvalued in 2026?

Based on GuruFocus' analysis, Kaspi.kz JSC stock appears to be undervalued. The current stock price of ₸40,851.11 is trading 56.3% below its estimated GF Value™ of ₸93,476.73. GuruFocus considers Kaspi.kz JSC to be Significantly Undervalued.

Key valuation signals for XKAZ:KSPI:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: ₸93,476.73 vs. price of ₸40,851.11 (56.3% below fair value)
  • GF Score™: 76/100 with 3 warning signs

No single metric tells the full story. See the XKAZ:KSPI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Kaspi.kz JSC Business Description

Other Exchanges KSPI:USAKSPID:Kazakhstan
Address 154A Nauryzbai Batyr Street, Almaty, KAZ, 050013
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.
76GF Score

Get the complete analysis for XKAZ:KSPI

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₸40,851.11
Price
₸93,476.73
GF Value