Contrasting Joint Stock Company Kaspi.kz (NASDAQ:KSPI) and DigiAsia (NASDAQ:FAAS)

Joint Stock Company Kaspi.kz (NASDAQ:KSPI) and DigiAsia (NASDAQ:FAAS) are both business services companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, profitability, institutional ownership, risk, dividends, valuation and earnings.

Profitability

This table compares Joint Stock Company Kaspi.kz and DigiAsia’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Joint Stock Company Kaspi.kz	34.82%	60.53%	11.57%
DigiAsia	N/A	N/A	N/A

Volatility & Risk

Joint Stock Company Kaspi.kz has a beta of 0.95, suggesting that its share price is 5% less volatile than the S&P 500. Comparatively, DigiAsia has a beta of 2.05, suggesting that its share price is 105% more volatile than the S&P 500.

Institutional & Insider Ownership

32.2% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. Comparatively, 19.2% of DigiAsia shares are owned by institutional investors. 67.3% of DigiAsia shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Joint Stock Company Kaspi.kz and DigiAsia, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Joint Stock Company Kaspi.kz	1	2	3	0	2.33
DigiAsia	0	0	0	0	0.00

Joint Stock Company Kaspi.kz currently has a consensus price target of $118.25, suggesting a potential upside of 53.09%. Given Joint Stock Company Kaspi.kz’s stronger consensus rating and higher probable upside, analysts plainly believe Joint Stock Company Kaspi.kz is more favorable than DigiAsia.

Valuation & Earnings

This table compares Joint Stock Company Kaspi.kz and DigiAsia”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Joint Stock Company Kaspi.kz	$4.82 billion	3.20	$2.18 billion	$10.90	7.09
DigiAsia	N/A	N/A	-$60,000.00	N/A	N/A

Joint Stock Company Kaspi.kz has higher revenue and earnings than DigiAsia.

Summary

Joint Stock Company Kaspi.kz beats DigiAsia on 9 of the 11 factors compared between the two stocks.

About Joint Stock Company Kaspi.kz

Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in the Republic of Kazakhstan. It operates through three segments: Payments Platform, Marketplace Platform, and Fintech Platform. The Payments Platform segment facilities transactions between customers and merchants. This segment offers shopping transactions, regular household bills, and peer to peer payments for consumers; accepts payment online and in store, issue and settle invoices, pay suppliers and monitor merchant turnover. It also provides proprietary data facilities informed decision making across multiple areas of business. Its Marketplace Platform segment connects online, and offline merchants and consumers enabling merchants to enhance its sales through an omni channel strategy and enable consumers to buy products and services from various merchants. This segment also operates marketplace through m-commerce, a mobile solution for shopping in person which consumers can use e-commerce to shop anywhere, anytime with free delivery; Kaspi Travel allows consumers to book domestic and international flights and package holidays, domestic rail tickets. It also enhances merchants sales by connecting payments and fintech products, Kapsi advertising, and other delivery services. The Fintech Platform segment provides consumers with BNPL, finance, and savings products and merchants with merchant finance services through super apps and Kapsi.kz Super app. It also involved in the banking; distressed asset management; real estate business; payment processing; online travel; and storage and processing of information services. The company was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.

About DigiAsia

DigiAsia Corp. operates as a financial technology frim. The company was founded by Alexander Steven Rusli on October 23, 2017 and is headquartered in Singapore.