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JSC Halyk Bank (HSBK.L)
Almaty, KZ
Halyk Bank of Kazakhstan Joint Stock Company, along with its various subsidiaries, stands as a key financial institution delivering both corporate and retail banking solutions. Its main areas of operation encompass the Republic of Kazakhstan, Kyrgyzstan, Georgia, and Uzbekistan. The bank's activities are structured across four primary divisions: Corporate Banking, SME Banking (serving Small and Medium-sized Enterprises), Retail Banking, and Investment Banking. Clients have access to a wide array of products and services, including current and correspondent accounts, diverse deposit options, and investment savings vehicles. Halyk Bank provides both credit and debit cards, alongside consumer loans and mortgage financing. Additional offerings extend to custody and foreign exchange services, overdraft facilities, and various other credit arrangements. The bank also facilitates letters of credit, trade finance, foreign currency exchange, interbank transactions, cash management, and documentary services. Furthermore, it is active in securities and foreign currency trading, processes transfers, handles cash and payment card processing, and provides a range of other general banking functions. Beyond its core banking operations, the institution extends into areas such as leasing, telecommunications, brokerage, cash collection, and asset management. It also provides motor, property, and life insurance solutions, complemented by comprehensive online banking facilities. The bank caters to a broad customer base, including individual consumers, large corporations, small and medium-sized enterprises (SMEs), and individual entrepreneurs. Known previously as Halyk Savings Bank of Kazakhstan Joint Stock Company, the entity adopted its current name, Halyk Bank of Kazakhstan Joint Stock Company, in June 2023. Established in 1923, its main headquarters are located in Almaty, within the Republic of Kazakhstan. Halyk Bank operates as a subsidiary under JSC Holding Group 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.29% | -2.03% | -10.32% | -3.40% | +32.63% | +4.51% | +32.07% | +121.99% | +106.19% | +587.91% | +49.76% |
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 | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+78.6% Q1'26: +4.0% (vs Q1'25)
-
EPS growth+15.0% Q1'26: -14.7% (vs Q1'25)
-
FCF margin— Q1'26: +101.8% (vs Q1'25)
-
EBIT margin— Q1'26: +35.5% (vs Q1'25)
-
ROIC— Q1'26: +27.5% (vs Q1'25)
-
Share dilution0.0% Q1'26: +0.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.12× (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 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 2 Rev. Ana. 1 EPS Ana. |
Dec 2027 3 Rev. Ana. 1 EPS Ana. |
Dec 2028 2 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
278.28B
est: 241.13B (+15.4%)
|
415.70B
est: 297.45B (+39.8%)
|
563.59B
est: 477.44B (+18.0%)
|
630.40B
est: 507.77B (+24.1%)
|
629.48B
est: 561.64B (+12.1%)
|
791.43B
est: 692.24B (+14.3%)
|
1.73T
est: 960.34B (+80.0%)
|
1.33T
est: 1.22T (+8.9%)
|
1.75T
est: 1.40T (+24.8%)
|
3.12T
est: 1.76T (+77.9%)
|
1.83T
1.72T – 1.94T
+4.2% YoY
|
1.88T
1.58T – 2.04T
+2.9% YoY
|
1.92T
1.90T – 1.94T
+1.9% YoY
|
2.38T
2.12T – 2.55T
+24.3% YoY
|
| EBITDA |
—
est: 115.22B (-100.0%)
|
—
est: 142.13B (-100.0%)
|
—
est: 228.14B (-100.0%)
|
—
est: 242.64B (-100.0%)
|
—
est: 268.38B (-100.0%)
|
539.52B
est: 330.78B (+63.1%)
|
692.21B
est: 458.89B (+50.8%)
|
833.31B
est: 584.54B (+42.6%)
|
1.12T
est: 777.11B (+44.3%)
|
1.32T
est: 973.55B (+35.8%)
|
1.01T
955.30B – 1.07T
+4.2% YoY
|
1.04T
877.01B – 1.13T
+2.9% YoY
|
1.06T
1.05T – 1.07T
+1.9% YoY
|
1.32T
1.18T – 1.42T
+24.3% YoY
|
| EBIT |
-6.17B
est: 112.65B (-105.5%)
|
-9.69B
est: 138.96B (-107.0%)
|
-12.61B
est: 223.05B (-105.7%)
|
-11.60B
est: 237.22B (-104.9%)
|
-13.03B
est: 262.38B (-105.0%)
|
524.62B
est: 323.39B (+62.2%)
|
675.20B
est: 448.64B (+50.5%)
|
-18.53B
est: 571.48B (-103.2%)
|
-19.82B
est: 759.88B (-102.6%)
|
1.30T
est: 951.96B (+36.4%)
|
991.90B
934.12B – 1.05T
+4.2% YoY
|
1.02T
857.56B – 1.10T
+2.9% YoY
|
1.04T
1.03T – 1.05T
+1.9% YoY
|
1.29T
1.15T – 1.38T
+24.3% YoY
|
| Net Income |
131.41B
est: 117.87B (+11.5%)
|
173.36B
est: 171.62B (+1.0%)
|
254.24B
est: 213.11B (+19.3%)
|
334.51B
est: 314.02B (+6.5%)
|
352.65B
est: 298.28B (+18.2%)
|
462.38B
est: 413.65B (+11.8%)
|
569.48B
est: 508.54B (+12.0%)
|
693.44B
est: 691.15B (+0.3%)
|
920.99B
est: 830.45B (+10.9%)
|
1.06T
est: 1.02T (+3.9%)
|
1.08T
877.05B – 1.12T
+6.1% YoY
|
1.03T
901.86B – 1.15T
-5.1% YoY
|
989.19B
869.41B – 1.11T
-3.6% YoY
|
1.24T
1.07T – 1.36T
+25.8% YoY
|
| SGA |
3.53B
est: 3.56B (-0.7%)
|
10.03B
est: 4.39B (+128.5%)
|
5.92B
est: 7.04B (-15.9%)
|
8.05B
est: 7.49B (+7.5%)
|
7.43B
est: 8.29B (-10.3%)
|
6.10B
est: 10.21B (-40.2%)
|
6.57B
est: 14.17B (-53.6%)
|
7.17B
est: 18.05B (-60.3%)
|
10.63B
est: 7.57B (+40.5%)
|
12.55B
est: 9.48B (+32.4%)
|
9.88B
9.30B – 10.45B
+4.2% YoY
|
10.16B
8.54B – 11.00B
+2.9% YoY
|
10.36B
10.26B – 10.46B
+1.9% YoY
|
12.87B
11.45B – 13.78B
+24.3% YoY
|
| EPS |
479.60
est: 432.44 (+10.9%)
|
630.72
est: 629.65 (+0.2%)
|
910.11
est: 781.87 (+16.4%)
|
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%)
|
2,091.55
est: 1,865.73 (+12.1%)
|
2,546.00
est: 2,535.70 (+0.4%)
|
3,378.90
est: 3,047.66 (+10.9%)
|
3,884.26
est: 3,698.62 (+5.0%)
|
3,760.40
3,218.65 – 4,105.52
+1.7% YoY
|
3,866.79
3,309.71 – 4,221.68
+2.8% YoY
|
3,727.66
3,190.63 – 4,069.78
-3.6% YoY
|
4,568.37
3,910.22 – 4,987.65
+22.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-22 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-21 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-20 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 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 | 3/5 |
| 2026-05-07 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-06 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-05 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-01 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-30 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-29 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 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
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
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 |
|---|---|---|---|
| Dana S. Talzhanova | Chief Accountant | — | — |
| Dauren Z. Sartayev | First Deputy Chairman of the Board | — | male |
| Kiril Atanassov Bachvarov | Deputy Chief Executive Officer & Member of the Management Board | — | male |
| Margulan Tanirtayev | Investor Relations Chief Manager | — | male |
| Mikhail Khasin | Deputy Chief Executive Officer & Member of the Management Board | — | 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 Chief Executive Officer - Corporate Banking | — | female |
| Pavel A. Cheussov | Chief Accountant | — | — |
| Roman Aleksander Maszczyk | Deputy Chief Executive Officer, Chief Risk Officer & Member of the Management Board | — | male |
| Tlegen Sovetuly Matkenov | Deputy Chief Executive 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 |
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.L
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.
