CRBG vs. KSPI: Corebridge Financial vs. Kaspi.kz Stock Comparison
How do Corebridge Financial (CRBG) and Kaspi.kz (KSPI) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Corebridge Financial (CRBG) and Kaspi.kz (KSPI) both fall under the Financial Services industry group, but CRBG is classified in Financial Services while KSPI is classified in Consumer Finance.
Corebridge Financial (CRBG) 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.
| Profile Item | CRBG | KSPI |
|---|---|---|
| Name | Corebridge Financial Inc. | Kaspi.kz JSC ADR |
| Country/Region | United States | Kazakhstan |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Consumer Finance |
| GICS Sub-Industry | Diversified Financial Services | Consumer Finance |
| Market Capitalization | 14.95 billion USD | 17.42 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | September 16, 2022 | January 19, 2024 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CRBG | KSPI |
|---|---|---|
| Total Return (1Y) | 24.54% | 34.75% |
| Total Return (3Y, Annualized) | 28.45% | -- |
| Total Return (5Y, Annualized) | -- | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CRBG | KSPI |
|---|---|---|
| Volatility (1Y, Annualized) | 35.18% | 34.36% |
| Beta (5Y) | 1.03 | 1.05 |
| Max Drawdown (5Y) | -36.35% | -48.88% |
| Avg. Volume (3M) | 4.66M | 566.23K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CRBG | KSPI |
|---|---|---|
| Sharpe Ratio (1Y) | 0.58 | 0.89 |
| Sortino Ratio (1Y) | 0.80 | 1.47 |
Profitability
ROE (TTM)
Kaspi.kz (KSPI) at 44.78% sits in the top ROE quartile, while Corebridge Financial (CRBG) at 20.08% is closer to the peer norm — stronger capital efficiency for KSPI.
CRBG
Financial Services industry group
20.08%
- Max
- 44.78%
- Q3
- 21.85%
- CRBG
- 20.08%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
KSPI
Financial Services industry group
44.78%
- KSPI
- 44.78%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Corebridge Financial (CRBG) at 10.76% 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.
CRBG
Financial Services industry group
10.76%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- CRBG
- 10.76%
- Q1
- 4.82%
- Min
- -28.52%
KSPI
Financial Services industry group
24.15%
- Max
- 62.84%
- Q3
- 28.05%
- KSPI
- 24.15%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Corebridge Financial (CRBG) at 39.53% runs core operations around its industry’s norm, while Kaspi.kz (KSPI) at 0.00% operates in the bottom quartile.
CRBG
Financial Services industry group
39.53%
- Max
- 107.33%
- Q3
- 55.90%
- CRBG
- 39.53%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
KSPI
Financial Services industry group
0.00%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- KSPI
- 0.00%
- Min
- -44.34%
Profitability Metrics
| Metric | CRBG | KSPI |
|---|---|---|
| ROE (TTM) | 20.08% | 44.78% |
| ROA (TTM) | 0.65% | 13.54% |
| Net Margin (TTM) | 10.76% | 24.15% |
| Operating Margin (TTM) | 39.53% | 0.00% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Kaspi.kz (KSPI) at 59.78% sits in the top revenue growth quartile, while Corebridge Financial (CRBG) at -5.07% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Kaspi.kz (KSPI) at 2.96% is around its peer norm for EPS growth, while Corebridge Financial (CRBG) at -118.28% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | CRBG | KSPI |
|---|---|---|
| Revenue Growth (YoY) | -5.07% | 59.78% |
| Revenue Growth (3Y CAGR) | -11.25% | 47.54% |
| EPS Growth (YoY) | -118.28% | 2.96% |
| EPS Growth (3Y CAGR) | -- | 22.85% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Corebridge Financial (CRBG) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Corebridge Financial (CRBG) 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
| Metric | CRBG | KSPI |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Kaspi.kz (KSPI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Corebridge Financial (CRBG) reports a yield of 2.89%, ranking against industry peers normally.
CRBG
Financial Services industry group
2.89%
- Max
- 9.77%
- Q3
- 3.92%
- CRBG
- 2.89%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
KSPI
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- KSPI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Corebridge Financial (CRBG) at 22.20% 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.
CRBG
Financial Services industry group
22.20%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CRBG
- 22.20%
- Q1
- 0.00%
- Min
- 0.00%
KSPI
Financial Services industry group
33.12%
- Max
- 241.07%
- Q3
- 97.36%
- KSPI
- 33.12%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CRBG | KSPI |
|---|---|---|
| Dividend Yield (TTM) | 2.89% | 0.00% |
| Dividend Payout Ratio (TTM) | 22.20% | 33.12% |
Valuation
P/E Ratio (TTM)
Both Corebridge Financial (CRBG) at 7.64 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.
CRBG
Financial Services industry group
7.64
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- CRBG
- 7.64
- Min
- 0.16
KSPI
Financial Services industry group
8.40
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- KSPI
- 8.40
- Min
- 0.16
P/S Ratio (TTM)
A sales-based read is only available for Corebridge Financial (CRBG), whose P/S ratio of 0.73 ranks against industry peers; Kaspi.kz (KSPI) reports no figure this period.
CRBG
Financial Services industry group
0.73
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- CRBG
- 0.73
- Min
- -0.55
KSPI
Financial Services industry group
--
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
- KSPI
- --
P/B Ratio (MRQ)
Kaspi.kz (KSPI) at 0.01 sits in the lower P/B ratio quartile against book while Corebridge Financial (CRBG) at 2.41 is valued near its industry’s middle — KSPI is cheaper on assets, though weigh it against ROE and asset quality.
CRBG
Financial Services industry group
2.41
- Max
- 7.79
- Q3
- 3.63
- CRBG
- 2.41
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
KSPI
Financial Services industry group
0.01
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- KSPI
- 0.01
- Min
- -0.39
Valuation Metrics
| Metric | CRBG | KSPI |
|---|---|---|
| P/E Ratio (TTM) | 7.64 | 8.40 |
| P/S Ratio (TTM) | 0.73 | -- |
| P/B Ratio (MRQ) | 2.41 | 0.01 |
| Free Cash Flow Yield (TTM) | -- | -- |