AFRM vs. KSPI: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFRM and KSPI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
AFRM is a standard domestic listing, while KSPI trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.
| Symbol | AFRM | KSPI |
|---|---|---|
| Company Name | Affirm Holdings, Inc. | Joint Stock Company Kaspi.kz |
| Country | United States | Kazakhstan |
| GICS Sector | Financials | Financials |
| GICS Industry | Financial Services | Consumer Finance |
| Market Capitalization | 24.51 billion USD | 15.68 billion USD |
| Exchange | NasdaqGS | NasdaqGS |
| Listing Date | January 13, 2021 | January 19, 2024 |
| Security Type | Common Stock | ADR |
Historical Performance
This chart compares the performance of AFRM and KSPI by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | AFRM | KSPI |
|---|---|---|
| 5-Day Price Return | -2.82% | -2.33% |
| 13-Week Price Return | 8.95% | -6.77% |
| 26-Week Price Return | 93.40% | -14.59% |
| 52-Week Price Return | 94.95% | -25.51% |
| Month-to-Date Return | 2.97% | -5.44% |
| Year-to-Date Return | 23.56% | -18.45% |
| 10-Day Avg. Volume | 6.85M | 0.75M |
| 3-Month Avg. Volume | 6.87M | 0.37M |
| 3-Month Volatility | 61.23% | 42.17% |
| Beta | 3.64 | 0.85 |
Profitability
Return on Equity (TTM)
AFRM
1.80%
Financial Services Industry
- Max
- 39.28%
- Q3
- 18.88%
- Median
- 9.97%
- Q1
- 4.03%
- Min
- -10.25%
AFRM’s Return on Equity of 1.80% is in the lower quartile for the Financial Services industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
KSPI
67.04%
Consumer Finance Industry
- Max
- 32.87%
- Q3
- 21.72%
- Median
- 12.80%
- Q1
- 9.07%
- Min
- -3.88%
KSPI’s Return on Equity of 67.04% is exceptionally high, placing it well beyond the typical range for the Consumer Finance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
Net Profit Margin (TTM)
AFRM
1.62%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.35%
- Median
- 12.68%
- Q1
- 6.11%
- Min
- -11.69%
Falling into the lower quartile for the Financial Services industry, AFRM’s Net Profit Margin of 1.62% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
KSPI
--
Consumer Finance Industry
- Max
- 19.68%
- Q3
- 17.11%
- Median
- 13.55%
- Q1
- 9.71%
- Min
- -0.75%
Net Profit Margin data for KSPI is currently unavailable.
Operating Profit Margin (TTM)
AFRM
-0.29%
Financial Services Industry
- Max
- 75.57%
- Q3
- 37.78%
- Median
- 19.09%
- Q1
- 10.04%
- Min
- -19.42%
AFRM has a negative Operating Profit Margin of -0.29%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
KSPI
--
Consumer Finance Industry
- Max
- 50.11%
- Q3
- 32.02%
- Median
- 19.92%
- Q1
- 14.90%
- Min
- -5.45%
Operating Profit Margin data for KSPI is currently unavailable.
Profitability at a Glance
| Symbol | AFRM | KSPI |
|---|---|---|
| Return on Equity (TTM) | 1.80% | 67.04% |
| Return on Assets (TTM) | 0.49% | 12.37% |
| Net Profit Margin (TTM) | 1.62% | -- |
| Operating Profit Margin (TTM) | -0.29% | -- |
| Gross Profit Margin (TTM) | 92.49% | -- |
Financial Strength
Current Ratio (MRQ)
AFRM
4.20
Financial Services Industry
- Max
- 4.83
- Q3
- 2.70
- Median
- 1.44
- Q1
- 0.86
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
KSPI
--
Consumer Finance Industry
- Max
- 7.85
- Q3
- 4.26
- Median
- 2.28
- Q1
- 0.82
- Min
- 0.07
For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
AFRM
2.48
Financial Services Industry
- Max
- 5.07
- Q3
- 2.14
- Median
- 0.66
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
KSPI
0.29
Consumer Finance Industry
- Max
- 6.63
- Q3
- 3.60
- Median
- 2.40
- Q1
- 0.99
- Min
- 0.23
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.
Interest Coverage Ratio (TTM)
AFRM
-3.76
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
KSPI
--
Consumer Finance Industry
- Max
- 49.63
- Q3
- 28.11
- Median
- 4.75
- Q1
- 2.86
- Min
- -15.69
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.
Financial Strength at a Glance
| Symbol | AFRM | KSPI |
|---|---|---|
| Current Ratio (MRQ) | 4.20 | -- |
| Quick Ratio (MRQ) | 4.20 | -- |
| Debt-to-Equity Ratio (MRQ) | 2.48 | 0.29 |
| Interest Coverage Ratio (TTM) | -3.76 | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
AFRM
0.00%
Financial Services Industry
- Max
- 8.12%
- Q3
- 3.37%
- Median
- 1.70%
- Q1
- 0.00%
- Min
- 0.00%
AFRM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
KSPI
3.80%
Consumer Finance Industry
- Max
- 7.21%
- Q3
- 3.38%
- Median
- 2.39%
- Q1
- 0.67%
- Min
- 0.00%
With a Dividend Yield of 3.80%, KSPI offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio (TTM)
AFRM
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 18.23%
- Q1
- 0.00%
- Min
- 0.00%
AFRM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
KSPI
78.77%
Consumer Finance Industry
- Max
- 145.89%
- Q3
- 88.89%
- Median
- 25.97%
- Q1
- 9.25%
- Min
- 0.00%
KSPI’s Dividend Payout Ratio of 78.77% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFRM | KSPI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 3.80% |
| Dividend Payout Ratio (TTM) | 0.00% | 78.77% |
Valuation
Price-to-Earnings Ratio (TTM)
AFRM
469.59
Financial Services Industry
- Max
- 45.81
- Q3
- 30.21
- Median
- 16.29
- Q1
- 10.14
- Min
- 0.70
At 469.59, AFRM’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
KSPI
7.77
Consumer Finance Industry
- Max
- 35.93
- Q3
- 20.63
- Median
- 12.65
- Q1
- 9.73
- Min
- 3.96
In the lower quartile for the Consumer Finance industry, KSPI’s P/E Ratio of 7.77 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
Price-to-Sales Ratio (TTM)
AFRM
7.60
Financial Services Industry
- Max
- 10.88
- Q3
- 5.34
- Median
- 2.64
- Q1
- 1.24
- Min
- 0.06
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
KSPI
--
Consumer Finance Industry
- Max
- 3.79
- Q3
- 2.71
- Median
- 1.91
- Q1
- 1.14
- Min
- 0.61
P/S Ratio data for KSPI is currently unavailable.
Price-to-Book Ratio (MRQ)
AFRM
7.27
Financial Services Industry
- Max
- 7.93
- Q3
- 3.78
- Median
- 1.49
- Q1
- 0.88
- Min
- 0.08
AFRM’s P/B Ratio of 7.27 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
KSPI
4.60
Consumer Finance Industry
- Max
- 3.80
- Q3
- 2.83
- Median
- 2.02
- Q1
- 1.18
- Min
- 0.26
At 4.60, KSPI’s P/B Ratio is at an extreme premium to the Consumer Finance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AFRM | KSPI |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 469.59 | 7.77 |
| Price-to-Sales Ratio (TTM) | 7.60 | -- |
| Price-to-Book Ratio (MRQ) | 7.27 | 4.60 |
| Price-to-Free Cash Flow Ratio (TTM) | 40.73 | 10.40 |