Image Source: Kaspi.kz JSC () is the payment, marketplace, and Fintech ecosystem in Kazakhstan. The firm provides interconnected seamless technology products and services that help people to pay, shop, and manage their finances.Its operating segment includes the Payments Platform that connects its customers, both consumers and merchants, to facilitate cashless, digital transactions.The Marketplace Platform 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.Fintech Platform enables customers to manage their personal finances online and access consumer finance and deposit products through the Kaspi.kz Super App.The company was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.Three key data points gauge KSPI or any dividend-paying firm.The key three are:(1) Price(2) Dividends(3) ReturnsThose three keys also best tell whether any company has made, is making, and will make money.KSPI PriceKaspi.kz’s share price rose 13.8% in the past year from $96.00 to $109.25 as of Tuesday’s market close.In the past 10 years, the company’s share price has rarely been less than $43.50 nor more than $143.72.If shares trade in the range of $90.00 to $140.00 this next year, the recent $109.25 share price might grow to $135.00. Of course, KSPI share price could also drop about the same $25.75 estimated amount or more.My $25.75 price upside estimate is $4.73 under the median of one-year target prices projected by nine analysts tracking KSPI for brokers.KSPI DividendKaspi.kz JSC has paid semi-annual to quarterly dividends since April 2021. The company’s most recent Q dividend of $1.71 was declared on October 23rd for shareholders of record on November 20th and the payout is yet to be determined.The estimated annual dividend of $6.84 yields 6.26% as of Tuesday’s closing price.KSPI ReturnsPutting it all together, a $32.59 estimated annual gross gain per share shows up by adding Kaspi.kz’s annual $6.84 dividend to the estimated price upside of $25.75, totaling that $32.59 gross gain.A little under $1000 buys 9 shares at Tuesday’s $109.25 share price.A $10 broker fee (if charged), collected half at purchase and half at sale, might take about $1.11 per share out of the $32.59 gross-gain to give us a net gain of $31.48 X 9 shares = $283.32 for about a 28.5% estimated net gain for the year.However, the $68.40 annual estimated dividend from $1k invested is over $40.85 short of the $109.25 single share price. By these numbers, KSPI is not a buy until the share price drops to $82.80.Therefore, when the price reaches $82.80 you might choose to pounce on Kaspi.kz. JSC It is a 16-year-old Quarterly dividend paying Kazikstani financial technology platform with a 3-year dividend record.The exact track of KSPI’s future price and dividend will entirely be determined by market action and company finances.Remember the best measure of stock value is through direct ownership of shares.More By This Author: