ALLY vs. KSPI: Ally Financial vs. Kaspi.kz Stock Comparison

Company Profile

Ally Financial (ALLY) and Kaspi.kz (KSPI) are both classified in the Consumer Finance sub-industry within the broader Consumer Finance industry, placing them in the closest GICS peer bucket.

Ally Financial (ALLY) has been public since January 28, 2014, giving it a longer listed trading history, while Kaspi.kz (KSPI) listed on January 19, 2024 and still has a shorter public-market record.

Ally Financial (ALLY) trades as ordinary local shares, while Kaspi.kz (KSPI) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Kaspi.kz (KSPI) at 44.78% sits in the top ROE quartile, while Ally Financial (ALLY) at 9.90% is closer to the peer norm — stronger capital efficiency for KSPI.

Both Ally Financial (ALLY) at 18.62% and Kaspi.kz (KSPI) at 24.15% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Ally Financial (ALLY) at 27.31% runs core operations around its industry’s norm, while Kaspi.kz (KSPI) at 0.00% operates in the bottom quartile.

Profitability Metrics

Growth

Kaspi.kz (KSPI) at 59.78% sits in the top revenue growth quartile, while Ally Financial (ALLY) at -1.43% is in the bottom quartile, showing a clear gap in revenue momentum.

Both Ally Financial (ALLY) at 31.67% and Kaspi.kz (KSPI) at 2.96% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Ally Financial (ALLY) in Financial Services and Kaspi.kz (KSPI) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Ally Financial (ALLY) in Financial Services and Kaspi.kz (KSPI) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Kaspi.kz (KSPI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Ally Financial (ALLY) reports a yield of 3.09%, ranking against industry peers normally.

Both Ally Financial (ALLY) at 27.46% and Kaspi.kz (KSPI) at 33.12% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Ally Financial (ALLY) at 8.73 and Kaspi.kz (KSPI) at 8.40 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

A sales-based read is only available for Ally Financial (ALLY), whose P/S ratio of 1.43 ranks against industry peers; Kaspi.kz (KSPI) reports no figure this period.

Kaspi.kz (KSPI) at 0.01 sits in the lower P/B ratio quartile against book while Ally Financial (ALLY) at 0.88 is valued near its industry’s middle — KSPI is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics