COF vs. KSPI: Capital One Financial vs. Kaspi.kz Stock Comparison

Company Profile

Capital One Financial (COF) 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.

Capital One Financial (COF) carries decades of public-market history since November 16, 1994, while Kaspi.kz (KSPI) listed on January 19, 2024 — long-window comparisons have far more historical data on the COF side.

Capital One Financial (COF) 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 Capital One Financial (COF) at 9.39% is closer to the peer norm — stronger capital efficiency for KSPI.

Both Capital One Financial (COF) at 22.23% 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.

Capital One Financial (COF) at 37.83% runs core operations around its industry’s norm, while Kaspi.kz (KSPI) at 0.00% operates in the bottom quartile.

Profitability Metrics

Growth

Both Capital One Financial (COF) at 36.62% and Kaspi.kz (KSPI) at 59.78% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.

Kaspi.kz (KSPI) at 2.96% is around its peer norm for EPS growth, while Capital One Financial (COF) at -65.23% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Capital One Financial (COF) 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: Capital One Financial (COF) 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 Capital One Financial (COF) reports a yield of 1.57%, ranking against industry peers normally.

Both Capital One Financial (COF) at 19.61% 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

Kaspi.kz (KSPI) at 8.40 sits in the cheaper P/E ratio quartile, while Capital One Financial (COF) at 12.37 is closer to its industry’s usual earnings multiple — a discount for KSPI, though growth and earnings durability still matter.

A sales-based read is only available for Capital One Financial (COF), whose P/S ratio of 2.48 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 Capital One Financial (COF) at 1.15 is valued near its industry’s middle — KSPI is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics