Head to Head Analysis: Joint Stock Company Kaspi.kz (KSPI) versus Its Rivals

Joint Stock Company Kaspi.kz (NASDAQ:KSPI) is one of 120 publicly-traded companies in the “Consumer Finance” industry, but how does it compare to its peers? We will compare Joint Stock Company Kaspi.kz to similar companies based on the strength of its valuation, institutional ownership, profitability, dividends, earnings, risk and analyst recommendations.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Joint Stock Company Kaspi.kz	24.00%	40.69%	9.54%
Joint Stock Company Kaspi.kz Competitors	10.48%	-15.61%	2.01%

Risk & Volatility

Joint Stock Company Kaspi.kz has a beta of 1.07, indicating that its stock price is 7% more volatile than the S&P 500. Comparatively, Joint Stock Company Kaspi.kz’s peers have a beta of 1.26, indicating that their average stock price is 26% more volatile than the S&P 500.

Insider & Institutional Ownership

32.2% of Joint Stock Company Kaspi.kz shares are held by institutional investors. Comparatively, 45.7% of shares of all “Consumer Finance” companies are held by institutional investors. 22.0% of shares of all “Consumer Finance” companies are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of recent recommendations for Joint Stock Company Kaspi.kz and its peers, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Joint Stock Company Kaspi.kz	0	4	1	0	2.20
Joint Stock Company Kaspi.kz Competitors	895	3363	5295	276	2.50

Joint Stock Company Kaspi.kz presently has a consensus price target of $105.33, suggesting a potential upside of 17.77%. As a group, “Consumer Finance” companies have a potential upside of 20.12%. Given Joint Stock Company Kaspi.kz’s peers stronger consensus rating and higher possible upside, analysts plainly believe Joint Stock Company Kaspi.kz has less favorable growth aspects than its peers.

Earnings & Valuation

This table compares Joint Stock Company Kaspi.kz and its peers gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Joint Stock Company Kaspi.kz	$7.70 billion	$2.04 billion	8.15
Joint Stock Company Kaspi.kz Competitors	$4.13 billion	$385.17 million	4.58

Joint Stock Company Kaspi.kz has higher revenue and earnings than its peers. Joint Stock Company Kaspi.kz is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Dividends

Joint Stock Company Kaspi.kz pays an annual dividend of $8.58 per share and has a dividend yield of 9.6%. Joint Stock Company Kaspi.kz pays out 78.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Consumer Finance” companies pay a dividend yield of 6.1% and pay out 34.6% of their earnings in the form of a dividend.

Summary

Joint Stock Company Kaspi.kz peers beat Joint Stock Company Kaspi.kz on 8 of the 15 factors compared.

About Joint Stock Company Kaspi.kz

Joint Stock Company Kaspi.kz is a Kazakhstan-based technology and financial services company that operates a digital ecosystem through its Kaspi.kz super app. Its services connect consumers, merchants and financial institutions across everyday shopping and financial activities. The company’s offerings include an online marketplace, digital payments and financial products such as consumer loans, deposits and merchant services. It also provides services such as travel booking through its platform.