GPN vs. KSPI: Global Payments vs. Kaspi.kz Stock Comparison

Company Profile

Global Payments (GPN) and Kaspi.kz (KSPI) both fall under the Financial Services industry group, but GPN is classified in Financial Services while KSPI is classified in Consumer Finance.

Global Payments (GPN) carries decades of public-market history since January 16, 2001, while Kaspi.kz (KSPI) listed on January 19, 2024 — long-window comparisons have far more historical data on the GPN side.

Global Payments (GPN) 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 Global Payments (GPN) at 0.84% is in the bottom quartile, showing a clear gap in returns on equity.

Global Payments (GPN) reports a negative net margin of -11.21%, usually indicating a net loss over the period. Meanwhile Kaspi.kz (KSPI) reports 24.15%, ranking against industry peers normally.

Global Payments (GPN) at 15.73% 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 Global Payments (GPN) at -0.39% is in the bottom quartile, showing a clear gap in revenue momentum.

Both Global Payments (GPN) at -6.17% 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: Global Payments (GPN) 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: Global Payments (GPN) 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 Global Payments (GPN) reports a yield of 1.05%, ranking against industry peers normally.

Global Payments (GPN) reports payout ratio above 100% at 178.57%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Kaspi.kz (KSPI) reports 33.12%, ranking against industry peers normally.

Dividend Metrics

Valuation

Kaspi.kz (KSPI) at 8.40 sits in the cheaper P/E ratio quartile, while Global Payments (GPN) at 173.93 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

A sales-based read is only available for Global Payments (GPN), whose P/S ratio of 2.24 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 Global Payments (GPN) at 1.11 is valued near its industry’s middle — KSPI is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics