Joint Stock Company Kaspi.kz (KSPI) — Financial Flexibility Index
Joint Stock Company Kaspi.kz (KSPI) has a Financial Flexibility Index of -0.15x as of December 2025. Free cash flow of $-1.25 Trillion (operating CF $-1.32 Trillion minus capex $64.82 Billion) represents 0% of total liabilities ($8.47 Trillion). Check KSPI strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Joint Stock Company Kaspi.kz Financial Flexibility Index (2019–2025)
Historical Financial Flexibility Index trend for Joint Stock Company Kaspi.kz across 7 annual periods. See how liquid is Joint Stock Company Kaspi.kz's working capital to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Joint Stock Company Kaspi.kz (2019–2025)
Year-by-year free cash flow to debt coverage for Joint Stock Company Kaspi.kz. For the full company profile including market capitalisation, see Joint Stock Company Kaspi.kz (KSPI) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.21x | $1.80 Trillion | $1.62 Trillion | $8.47 Trillion | ▲ +112.8% |
| 2024 | 0.10x | $677.62 Billion | $581.89 Billion | $6.80 Trillion | ▼ -50.8% |
| 2023 | 0.20x | $1.16 Trillion | $1.11 Trillion | $5.72 Trillion | ▼ -19.6% |
| 2022 | 0.25x | $1.08 Trillion | $1.02 Trillion | $4.30 Trillion | ▲ +719.4% |
| 2021 | 0.03x | $95.25 Billion | $70.35 Billion | $3.10 Trillion | ▼ -88.4% |
| 2020 | 0.26x | $635.92 Billion | $617.73 Billion | $2.41 Trillion | ▲ +59.2% |
| 2019 | 0.17x | $313.28 Billion | $296.35 Billion | $1.89 Trillion | — |