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

Updated on October 2, 2025

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

Company Profile

GIB 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	GIB	KSPI
Company Name	CGI Inc.	Joint Stock Company Kaspi.kz
Country	Canada	Kazakhstan
GICS Sector	Information Technology	Financials
GICS Industry	IT Services	Consumer Finance
Market Capitalization	19.63 billion USD	16.30 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	October 7, 1998	January 19, 2024
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of GIB 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.

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

Historical Performance at a Glance

Symbol	GIB	KSPI
5-Day Price Return	-2.75%	-3.20%
13-Week Price Return	-12.36%	-3.78%
26-Week Price Return	-13.31%	-13.34%
52-Week Price Return	-20.34%	-20.69%
Month-to-Date Return	-7.05%	-13.07%
Year-to-Date Return	-21.19%	-13.76%
10-Day Avg. Volume	0.63M	0.46M
3-Month Avg. Volume	0.44M	0.32M
3-Month Volatility	17.99%	41.83%
Beta	0.62	0.86

Profitability

Return on Equity (TTM)

GIB

17.27%

IT Services Industry

Max: 32.78%
Q3: 19.28%
Median: 13.86%
Q1: 5.50%
Min: -10.00%

GIB’s Return on Equity of 17.27% is on par with the norm for the IT Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

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.

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

Net Profit Margin (TTM)

GIB

11.01%

IT Services Industry

Max: 19.71%
Q3: 11.01%
Median: 6.66%
Q1: 2.96%
Min: -6.22%

GIB’s Net Profit Margin of 11.01% is aligned with the median group of its peers in the IT Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

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.

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

Operating Profit Margin (TTM)

GIB

14.90%

IT Services Industry

Max: 22.44%
Q3: 14.90%
Median: 8.82%
Q1: 4.91%
Min: -9.89%

GIB’s Operating Profit Margin of 14.90% is around the midpoint for the IT Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

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.

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

Profitability at a Glance

Symbol	GIB	KSPI
Return on Equity (TTM)	17.27%	67.04%
Return on Assets (TTM)	9.45%	12.37%
Net Profit Margin (TTM)	11.01%	--
Operating Profit Margin (TTM)	14.90%	--
Gross Profit Margin (TTM)	16.35%	--

Financial Strength

Current Ratio (MRQ)

GIB

1.27

IT Services Industry

Max: 3.17
Q3: 2.00
Median: 1.47
Q1: 1.05
Min: 0.52

GIB’s Current Ratio of 1.27 aligns with the median group of the IT Services industry, indicating that its short-term liquidity is in line with its sector peers.

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.

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

Debt-to-Equity Ratio (MRQ)

GIB

0.42

IT Services Industry

Max: 3.11
Q3: 1.55
Median: 0.55
Q1: 0.17
Min: 0.00

GIB’s Debt-to-Equity Ratio of 0.42 is typical for the IT Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

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.

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

Interest Coverage Ratio (TTM)

GIB

11.09

IT Services Industry

Max: 129.00
Q3: 56.00
Median: 11.69
Q1: 0.77
Min: -28.15

GIB’s Interest Coverage Ratio of 11.09 is positioned comfortably within the norm for the IT Services industry, indicating a standard and healthy capacity to cover its interest payments.

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.

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

Financial Strength at a Glance

Symbol	GIB	KSPI
Current Ratio (MRQ)	1.27	--
Quick Ratio (MRQ)	0.89	--
Debt-to-Equity Ratio (MRQ)	0.42	0.29
Interest Coverage Ratio (TTM)	11.09	--

Growth

Revenue Growth

GIB 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

GIB 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)

GIB

0.00%

IT Services Industry

Max: 2.79%
Q3: 1.76%
Median: 0.58%
Q1: 0.00%
Min: 0.00%

GIB 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

3.58%

Consumer Finance Industry

Max: 7.21%
Q3: 3.38%
Median: 2.39%
Q1: 0.67%
Min: 0.00%

With a Dividend Yield of 3.58%, KSPI offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

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

Dividend Payout Ratio (TTM)

GIB

0.00%

IT Services Industry

Max: 107.85%
Q3: 52.62%
Median: 22.53%
Q1: 0.00%
Min: 0.00%

GIB 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.

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

Dividend at a Glance

Symbol	GIB	KSPI
Dividend Yield (TTM)	0.00%	3.58%
Dividend Payout Ratio (TTM)	0.00%	78.77%

Valuation

Price-to-Earnings Ratio (TTM)

GIB

15.97

IT Services Industry

Max: 56.41
Q3: 33.17
Median: 23.17
Q1: 16.18
Min: 6.62

In the lower quartile for the IT Services industry, GIB’s P/E Ratio of 15.97 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

KSPI

8.25

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 8.25 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

Price-to-Sales Ratio (TTM)

GIB

1.76

IT Services Industry

Max: 5.99
Q3: 4.26
Median: 1.93
Q1: 0.97
Min: 0.12

GIB’s P/S Ratio of 1.76 aligns with the market consensus for the IT Services industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

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.

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

Price-to-Book Ratio (MRQ)

GIB

3.14

IT Services Industry

Max: 12.34
Q3: 7.54
Median: 3.84
Q1: 2.52
Min: 0.88

GIB’s P/B Ratio of 3.14 is within the conventional range for the IT Services 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

4.68

Consumer Finance Industry

Max: 3.80
Q3: 2.83
Median: 2.02
Q1: 1.18
Min: 0.26

At 4.68, 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.

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

Valuation at a Glance

Symbol	GIB	KSPI
Price-to-Earnings Ratio (TTM)	15.97	8.25
Price-to-Sales Ratio (TTM)	1.76	--
Price-to-Book Ratio (MRQ)	3.14	4.68
Price-to-Free Cash Flow Ratio (TTM)	14.94	11.03