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

Updated on October 3, 2025

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

Company Profile

HUBS 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	HUBS	KSPI
Company Name	HubSpot, Inc.	Joint Stock Company Kaspi.kz
Country	United States	Kazakhstan
GICS Sector	Information Technology	Financials
GICS Industry	Software	Consumer Finance
Market Capitalization	27.28 billion USD	16.30 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	October 9, 2014	January 19, 2024
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of HUBS 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.

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

Historical Performance at a Glance

Symbol	HUBS	KSPI
5-Day Price Return	-13.11%	-3.20%
13-Week Price Return	-21.08%	-3.78%
26-Week Price Return	-25.81%	-13.34%
52-Week Price Return	-17.18%	-20.69%
Month-to-Date Return	-5.89%	-13.07%
Year-to-Date Return	-36.82%	-13.76%
10-Day Avg. Volume	1.05M	0.46M
3-Month Avg. Volume	0.88M	0.32M
3-Month Volatility	43.50%	41.83%
Beta	1.47	0.86

Profitability

Return on Equity (TTM)

HUBS

-0.62%

Software Industry

Max: 66.28%
Q3: 21.28%
Median: 9.33%
Q1: -8.77%
Min: -48.16%

HUBS has a negative Return on Equity of -0.62%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

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.

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

Net Profit Margin (TTM)

HUBS

-0.42%

Software Industry

Max: 51.92%
Q3: 19.23%
Median: 6.98%
Q1: -7.14%
Min: -41.00%

HUBS has a negative Net Profit Margin of -0.42%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

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.

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

Operating Profit Margin (TTM)

HUBS

-2.59%

Software Industry

Max: 60.40%
Q3: 21.25%
Median: 9.90%
Q1: -4.97%
Min: -43.50%

HUBS has a negative Operating Profit Margin of -2.59%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

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.

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

Profitability at a Glance

Symbol	HUBS	KSPI
Return on Equity (TTM)	-0.62%	67.04%
Return on Assets (TTM)	-0.32%	12.37%
Net Profit Margin (TTM)	-0.42%	--
Operating Profit Margin (TTM)	-2.59%	--
Gross Profit Margin (TTM)	84.55%	--

Financial Strength

Current Ratio (MRQ)

HUBS

1.79

Software Industry

Max: 4.29
Q3: 2.37
Median: 1.40
Q1: 1.03
Min: 0.25

HUBS’s Current Ratio of 1.79 aligns with the median group of the Software 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.

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

Debt-to-Equity Ratio (MRQ)

HUBS

0.00

Software Industry

Max: 2.16
Q3: 0.86
Median: 0.31
Q1: 0.00
Min: 0.00

HUBS’s Debt-to-Equity Ratio of 0.00 is typical for the Software 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.

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

Interest Coverage Ratio (TTM)

HUBS

-2.05

Software Industry

Max: 89.65
Q3: 32.64
Median: 1.00
Q1: -9.84
Min: -71.23

HUBS has a negative Interest Coverage Ratio of -2.05. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.

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.

HUBS 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	HUBS	KSPI
Current Ratio (MRQ)	1.79	--
Quick Ratio (MRQ)	1.70	--
Debt-to-Equity Ratio (MRQ)	0.00	0.29
Interest Coverage Ratio (TTM)	-2.05	--

Growth

Revenue Growth

HUBS 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

HUBS 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)

HUBS

0.00%

Software Industry

Max: 0.22%
Q3: 0.11%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

HUBS 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.

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

Dividend Payout Ratio (TTM)

HUBS

0.00%

Software Industry

Max: 3.29%
Q3: 2.41%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

HUBS 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.

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

Dividend at a Glance

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

Valuation

Price-to-Earnings Ratio (TTM)

HUBS

Software Industry

Max: 145.74
Q3: 94.88
Median: 45.35
Q1: 26.66
Min: 8.80

P/E Ratio data for HUBS is currently unavailable.

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.

HUBS 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)

HUBS

8.66

Software Industry

Max: 25.67
Q3: 13.68
Median: 8.28
Q1: 4.95
Min: 0.90

HUBS’s P/S Ratio of 8.66 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: 3.79
Q3: 2.71
Median: 1.91
Q1: 1.14
Min: 0.61

P/S Ratio data for KSPI is currently unavailable.

HUBS 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)

HUBS

14.22

Software Industry

Max: 30.67
Q3: 14.92
Median: 8.52
Q1: 3.89
Min: 0.38

HUBS’s P/B Ratio of 14.22 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

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.

HUBS 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	HUBS	KSPI
Price-to-Earnings Ratio (TTM)	--	8.25
Price-to-Sales Ratio (TTM)	8.66	--
Price-to-Book Ratio (MRQ)	14.22	4.68
Price-to-Free Cash Flow Ratio (TTM)	48.10	11.03