Joint Stock Company Kaspi.kz AI Price Prediction

The valuation and earnings metrics point to a highly profitable business trading at a discounted multiple. A PE of 6.52 against an EPS of 9.38 suggests strong earnings power relative to the current share price, implying the market may be underpricing the company’s cash‑generating ability. Absent signs of structural deterioration, this combination is typically supportive of a positive long‑term view.

• Low PE ratio of 6.52 combined with EPS of 9.38 indicates solid underlying earnings and an inexpensive valuation relative to profits.
• Such a low multiple often reflects either elevated perceived risk or market underappreciation of growth and profitability; with no clear evidence of collapsing demand, it leans toward undervaluation.
• Profitability implied by EPS level versus share price provides a margin of safety for long‑term investors, supporting a constructive stance despite recent price weakness.

Alternative data indicate strong and growing user engagement with Kaspi.kz’s ecosystem, especially via mobile. Extremely high app download volumes and expanding social media followings, particularly on Instagram and TikTok, point to robust brand reach and customer acquisition. While hiring is flat and web traffic is modest, the mobile‑first engagement profile is consistent with a scalable, high‑usage platform business.

• Estimated 230,000 mobile app downloads per day is exceptionally high and strongly suggests rapid user acquisition and deepening penetration of Kaspi.kz’s platform and services.
• Social media presence is large and growing: 2,040,002 Instagram followers (+1.5% over 90 days), 288,900 TikTok followers (+13.1%), 153,000 YouTube subscribers (+0.7%), and 89,551 LinkedIn followers, indicating strong brand awareness and marketing reach.
• Flat job openings (1 position, 0.0% MoM change) and modest web traffic (~16,983 monthly visitors) imply the business is already scaled and mobile‑centric rather than aggressively expanding headcount or relying on web channels, which is consistent with a mature, app‑driven ecosystem.

Combining strong implied profitability, a low earnings multiple, and powerful alternative data signals of user and brand growth, Kaspi.kz appears fundamentally stronger than its recent share price performance suggests. Technicals currently reflect a corrective phase, but the stock’s discount to earnings and evidence of robust platform engagement support a constructive medium‑ to long‑term outlook. Overall, the setup looks favorable for investors who can tolerate near‑term volatility.

• Fundamentals and valuation (low PE with solid EPS) and strong alternative data (very high app downloads and growing social presence) point toward a fundamentally attractive business trading at a discount.
• Despite a short‑term downtrend and sub‑200‑day price, the combination of approaching‑oversold RSI and strong underlying engagement trends supports a bullish stance over a longer horizon.