GEN vs. KSPI: A Head-to-Head Stock Comparison

Updated on August 26, 2025

Here’s a clear look at GEN and KSPI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

GEN 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	GEN	KSPI
Company Name	Gen Digital Inc.	Joint Stock Company Kaspi.kz
Country	United States	Kazakhstan
GICS Sector	Information Technology	Financials
GICS Industry	Software	Consumer Finance
Market Capitalization	19.36 billion USD	17.23 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	June 23, 1989	January 19, 2024
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of GEN 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.

GEN vs. KSPI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	GEN	KSPI
5-Day Price Return	-0.22%	-5.84%
13-Week Price Return	10.35%	5.61%
26-Week Price Return	12.21%	-17.32%
52-Week Price Return	23.39%	-29.51%
Month-to-Date Return	6.61%	14.46%
Year-to-Date Return	14.83%	-4.65%
10-Day Avg. Volume	4.88M	0.36M
3-Month Avg. Volume	4.31M	0.30M
3-Month Volatility	26.35%	42.48%
Beta	0.97	0.88

Profitability

Return on Equity (TTM)

GEN

30.30%

Software Industry

Max: 59.01%
Q3: 21.98%
Median: 7.15%
Q1: -11.12%
Min: -51.24%

In the upper quartile for the Software industry, GEN’s Return on Equity of 30.30% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

KSPI

74.52%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

KSPI’s Return on Equity of 74.52% 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.

GEN vs. KSPI: A comparison of their Return on Equity (TTM) against their respective Software and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

GEN

16.34%

Software Industry

Max: 48.14%
Q3: 18.23%
Median: 5.60%
Q1: -9.22%
Min: -49.36%

GEN’s Net Profit Margin of 16.34% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.

KSPI

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

Net Profit Margin data for KSPI is currently unavailable.

GEN vs. KSPI: A comparison of their Net Profit Margin (TTM) against their respective Software and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

GEN

40.15%

Software Industry

Max: 57.34%
Q3: 20.60%
Median: 7.84%
Q1: -8.72%
Min: -51.37%

An Operating Profit Margin of 40.15% places GEN in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

KSPI

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

Operating Profit Margin data for KSPI is currently unavailable.

GEN vs. KSPI: A comparison of their Operating Profit Margin (TTM) against their respective Software and Consumer Finance industry benchmarks.

Profitability at a Glance

Symbol	GEN	KSPI
Return on Equity (TTM)	30.30%	74.52%
Return on Assets (TTM)	4.16%	13.24%
Net Profit Margin (TTM)	16.34%	--
Operating Profit Margin (TTM)	40.15%	--
Gross Profit Margin (TTM)	80.28%	--

Financial Strength

Current Ratio (MRQ)

GEN

0.51

Software Industry

Max: 3.83
Q3: 2.31
Median: 1.45
Q1: 1.03
Min: 0.24

GEN’s Current Ratio of 0.51 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

KSPI

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

GEN vs. KSPI: A comparison of their Current Ratio (MRQ) against their respective Software and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

GEN

3.64

Software Industry

Max: 2.14
Q3: 0.90
Median: 0.29
Q1: 0.00
Min: 0.00

With a Debt-to-Equity Ratio of 3.64, GEN operates with exceptionally high leverage compared to the Software industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.

KSPI

0.23

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

GEN vs. KSPI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

GEN

2.88

Software Industry

Max: 67.02
Q3: 19.86
Median: 0.70
Q1: -12.50
Min: -53.00

GEN’s Interest Coverage Ratio of 2.88 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

KSPI

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

GEN vs. KSPI: A comparison of their Interest Coverage Ratio (TTM) against their respective Software and Consumer Finance industry benchmarks.

Financial Strength at a Glance

Symbol	GEN	KSPI
Current Ratio (MRQ)	0.51	--
Quick Ratio (MRQ)	0.46	--
Debt-to-Equity Ratio (MRQ)	3.64	0.23
Interest Coverage Ratio (TTM)	2.88	--

Growth

Revenue Growth

GEN vs. KSPI: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

GEN vs. KSPI: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

GEN

1.62%

Software Industry

Max: 0.08%
Q3: 0.03%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

GEN’s Dividend Yield of 1.62% is exceptionally high, placing it well above the typical range for the Software industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

KSPI

6.73%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

With a Dividend Yield of 6.73%, KSPI offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

GEN vs. KSPI: A comparison of their Dividend Yield (TTM) against their respective Software and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

GEN

48.68%

Software Industry

Max: 1.32%
Q3: 0.53%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

At 48.68%, GEN’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Software industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

KSPI

78.77%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
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.

GEN vs. KSPI: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Consumer Finance industry benchmarks.

Dividend at a Glance

Symbol	GEN	KSPI
Dividend Yield (TTM)	1.62%	6.73%
Dividend Payout Ratio (TTM)	48.68%	78.77%

Valuation

Price-to-Earnings Ratio (TTM)

GEN

30.09

Software Industry

Max: 149.35
Q3: 100.21
Median: 47.97
Q1: 26.77
Min: 11.68

GEN’s P/E Ratio of 30.09 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

KSPI

8.93

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

In the lower quartile for the Consumer Finance industry, KSPI’s P/E Ratio of 8.93 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

GEN vs. KSPI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

GEN

4.92

Software Industry

Max: 25.24
Q3: 13.52
Median: 8.15
Q1: 4.87
Min: 0.98

GEN’s P/S Ratio of 4.92 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

KSPI

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

P/S Ratio data for KSPI is currently unavailable.

GEN vs. KSPI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

GEN

7.18

Software Industry

Max: 30.95
Q3: 14.91
Median: 7.75
Q1: 3.60
Min: 0.38

GEN’s P/B Ratio of 7.18 is within the conventional range for the Software industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

KSPI

5.70

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

At 5.70, 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.

GEN vs. KSPI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Consumer Finance industry benchmarks.

Valuation at a Glance

Symbol	GEN	KSPI
Price-to-Earnings Ratio (TTM)	30.09	8.93
Price-to-Sales Ratio (TTM)	4.92	--
Price-to-Book Ratio (MRQ)	7.18	5.70
Price-to-Free Cash Flow Ratio (TTM)	16.04	14.23