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JSC Halyk Bank (HSBK.IL)
Almaty, KZ
JSC Halyk Bank, along with its associated entities, delivers a comprehensive suite of corporate and retail financial services. While its primary operations are rooted in the Republic of Kazakhstan, the bank also maintains a significant presence across Russia, Kyrgyzstan, Tajikistan, Georgia, and Uzbekistan. Its business activities are organized into four distinct divisions: Corporate Banking, SME Banking (Small and Medium-sized Enterprises), Retail Banking, and Investment Banking. The institution's extensive range of offerings encompasses various account types, including current and correspondent accounts, alongside diverse deposit and investment savings products. It issues both credit and debit cards, provides consumer loans, mortgages, and overdraft facilities, as well as other forms of credit. Additional financial services comprise custody, cash management, foreign currency transactions, letters of credit, trade financing solutions, foreign exchange dealings, interbank operations, and comprehensive documentary services. Beyond traditional banking, Halyk Bank is active in securities and foreign currency trading, facilitates funds transfers, and delivers cash and payment card processing solutions. Furthermore, its diversified portfolio extends to specialized services such as leasing, telecommunications, brokerage and dealer activities, cash collection, and asset management. The bank also provides a full spectrum of insurance products, including property and casualty, liability, personal, and life coverage, complemented by robust online banking capabilities. Its broad client base spans individual customers, corporate entities, financial institutions, small and medium-sized enterprises (SMEs), and individual entrepreneurs. As of December 31, 2021, the bank maintained a substantial physical presence. This network included its main office situated in Almaty, along with 24 regional branches, 120 sub-regional offices, and 445 cash settlement units. Established in 1923, JSC Halyk Bank is headquartered in Almaty, Republic of Kazakhstan. It operates as a subsidiary of JSC HG Almex.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.29% | -4.85% | -11.17% | -1.57% | +29.22% | +4.84% | +28.69% | +124.93% | +115.96% | +644.08% | +50.24% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+31.1% Q1'26: +9.9% (vs Q1'25)
-
EPS growth+11.9% Q1'26: -18.9% (vs Q1'25)
-
FCF margin— Q1'26: +29.9% (vs Q1'25)
-
EBIT margin— Q1'26: +31.5% (vs Q1'25)
-
ROIC— Q1'26: +21.0% (vs Q1'25)
-
Share dilution-0.1% Q1'26: +0.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.44× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
321.71B
est: 275.73B (+16.7%)
|
397.14B
est: 241.13B (+64.7%)
|
624.89B
est: 297.45B (+110.1%)
|
835.71B
est: 429.19B (+94.7%)
|
847.48B
est: 507.77B (+66.9%)
|
896.17B
est: 561.64B (+59.6%)
|
1.06T
est: 692.24B (+53.1%)
|
1.56T
est: 960.34B (+62.1%)
|
1.33T
est: 1.22T (+8.9%)
|
2.58T
est: 1.40T (+84.1%)
|
3.38T
est: 1.76T (+92.7%)
|
1.84T
1.84T – 1.84T
+4.6% YoY
|
1.89T
1.89T – 1.89T
+2.9% YoY
|
1.93T
1.93T – 1.93T
+1.9% YoY
|
2.39T
2.39T – 2.39T
+24.3% YoY
|
| EBITDA |
149.66B
est: 135.83B (+10.2%)
|
148.85B
est: 118.78B (+25.3%)
|
198.88B
est: 146.53B (+35.7%)
|
338.54B
est: 211.43B (+60.1%)
|
382.08B
est: 250.14B (+52.7%)
|
402.56B
est: 276.67B (+45.5%)
|
539.52B
est: 341.01B (+58.2%)
|
692.21B
est: 473.08B (+46.3%)
|
833.31B
est: 602.60B (+38.3%)
|
1.12T
est: 669.82B (+67.5%)
|
1.27T
est: 839.14B (+51.3%)
|
877.63B
877.63B – 877.63B
+4.6% YoY
|
903.13B
903.13B – 903.13B
+2.9% YoY
|
920.46B
920.46B – 920.46B
+1.9% YoY
|
1.14T
1.14T – 1.14T
+24.3% YoY
|
| EBIT |
143.99B
est: 132.46B (+8.7%)
|
142.68B
est: 115.84B (+23.2%)
|
189.19B
est: 142.89B (+32.4%)
|
325.93B
est: 206.18B (+58.1%)
|
370.49B
est: 243.93B (+51.9%)
|
389.53B
est: 269.81B (+44.4%)
|
524.62B
est: 332.54B (+57.8%)
|
675.20B
est: 461.34B (+46.4%)
|
-18.53B
est: 587.65B (-103.2%)
|
1.10T
est: 654.86B (+68.3%)
|
1.25T
est: 820.39B (+52.0%)
|
858.03B
858.03B – 858.03B
+4.6% YoY
|
882.96B
882.96B – 882.96B
+2.9% YoY
|
899.90B
899.90B – 899.90B
+1.9% YoY
|
1.12T
1.12T – 1.12T
+24.3% YoY
|
| Net Income |
120.31B
est: 136.30B (-11.7%)
|
131.41B
est: 117.82B (+11.5%)
|
173.36B
est: 171.56B (+1.1%)
|
254.24B
est: 191.50B (+32.8%)
|
334.51B
est: 313.90B (+6.6%)
|
352.65B
est: 298.16B (+18.3%)
|
462.38B
est: 413.49B (+11.8%)
|
569.48B
est: 508.35B (+12.0%)
|
693.44B
est: 690.89B (+0.4%)
|
920.99B
est: 829.90B (+11.0%)
|
1.03T
est: 1.01T (+2.2%)
|
1.03T
1.03T – 1.03T
+2.1% YoY
|
1.06T
1.06T – 1.06T
+2.8% YoY
|
1.02T
1.02T – 1.02T
-3.6% YoY
|
1.25T
1.25T – 1.25T
+22.6% YoY
|
| SGA |
2.43B
est: 1.12B (+116.4%)
|
1.90B
est: 980.89M (+93.9%)
|
7.15B
est: 1.21B (+491.2%)
|
2.37B
est: 1.75B (+36.0%)
|
3.81B
est: 2.07B (+84.2%)
|
3.56B
est: 2.28B (+56.0%)
|
6.10B
est: 2.82B (+116.8%)
|
1.72B
est: 3.91B (-56.0%)
|
7.17B
est: 4.98B (+44.0%)
|
10.63B
est: 5.63B (+89.0%)
|
12.55B
est: 7.05B (+78.1%)
|
7.37B
7.37B – 7.37B
+4.6% YoY
|
7.59B
7.59B – 7.59B
+2.9% YoY
|
7.73B
7.73B – 7.73B
+1.9% YoY
|
9.61B
9.61B – 9.61B
+24.3% YoY
|
| EPS |
426.80
est: 500.24 (-14.7%)
|
478.40
est: 432.44 (+10.6%)
|
630.80
est: 629.65 (+0.2%)
|
910.11
est: 702.85 (+29.5%)
|
1,145.70
est: 1,152.07 (-0.6%)
|
1,206.40
est: 1,094.31 (+10.2%)
|
1,582.80
est: 1,517.57 (+4.3%)
|
2,091.60
est: 1,865.73 (+12.1%)
|
2,545.95
est: 2,535.70 (+0.4%)
|
3,380.00
est: 3,047.66 (+10.9%)
|
3,781.25
est: 3,698.62 (+2.2%)
|
3,774.57
3,774.57 – 3,774.57
+2.1% YoY
|
3,881.36
3,881.36 – 3,881.36
+2.8% YoY
|
3,741.71
3,741.71 – 3,741.71
-3.6% YoY
|
4,585.59
4,585.59 – 4,585.59
+22.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-19 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-18 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-15 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-14 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-13 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-12 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-11 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-08 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-07 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-06 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-05 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-01 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-30 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-29 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-27 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-24 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
No beneficial ownership filings recorded.
Institutional Activity (13F)
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | GENERALI INVESTMENTS CEE, INVESTICNI SPOLECNOST, A.S. | 558.7K +253.8K (+83.3%) | 16.73M +9.1M (+118.2%) | 0.21% +0.093 pp | 1.18% +0.595 pp | USD25.06 +19.5% | 5 qtrs — |
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Global X - SuperDividend ETF SDIV | 0.96% | 11.61M | 0.58% |
| 2 | Global X Superdividend UCITS ETF USD SDIP.L | 0.96% | 8.68M | 0.45% |
| 3 | Global X - Emerging Markets Great Consumer ETF EMC | 0.53% | 342.9K | 0.65% |
| 4 | Global X - Emerging Markets ex-China ETF EMM | 0.45% | 263.5K | 0.66% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Aivar Zhirensheevich Bodanov | Dep. Chairman of the Mgmt. Board & Dep. Chief Executive Officer Security, Information Security & Problem Loans | — | male |
| Dauren Z. Sartayev | Deputy Chairman of the Management Board & Deputy Chief Executive Officer - SME & Transactional Banking, PR and Marketing | — | male |
| Murat Uzakbaevich Koshenov | Dep. Chairman of the Mgmt. Board & Dep. Chief Executive Officer Fin., Sub., Corporation Banking & International Activities | — | male |
| Nariman Nurlanovich Mukushev | Deputy Chairman of Management Board and Deputy Chief Executive Officer - Digital Govt. Services, Ecosystem & Customer | — | male |
| Olga Vladimirovna Vuros | Deputy Chairperson of Management Board & Deputy CEO - Corp. Banking | — | female |
| Pavel A. Cheussov | Chief Accountant | — | — |
| Roman Aleksander Maszczyk | Deputy Chief Executive Officer, Chief Compliance Controller, Chief Risk Officer & Member of the Management Board | — | male |
| Umut Bolatkhanovna Shayakhmetova | Chief Executive Officer, Chairperson of Mgt Board - HR, Strategic Office, Legal, Compliance and Risk Management & Dir. | — | female |
| Yertay Ismailovich Salimov | Dep. Chairman of Mgmt. Board & Dep. Chief Executive Officer - Ops., Treasury, Resources, Chancellery & Contact Centre | — | male |
| Zhumabek Mamutov | Deputy Chairman of Management Board & Deputy ?EO - Retail Banking and Soft Collection | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for HSBK.IL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
