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

Updated on August 23, 2025

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

Company Profile

Both INFY and KSPI are American Depositary Receipts (ADRs). This provides U.S. investors with straightforward access to investing in these foreign-listed companies.

Symbol	INFY	KSPI
Company Name	Infosys Limited	Joint Stock Company Kaspi.kz
Country	India	Kazakhstan
GICS Sector	Information Technology	Financials
GICS Industry	IT Services	Consumer Finance
Market Capitalization	70.51 billion USD	17.23 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	March 11, 1999	January 19, 2024
Security Type	ADR	ADR

Historical Performance

This chart compares the performance of INFY 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.

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

Historical Performance at a Glance

Symbol	INFY	KSPI
5-Day Price Return	4.89%	-5.84%
13-Week Price Return	-4.51%	5.61%
26-Week Price Return	-20.41%	-17.32%
52-Week Price Return	-19.77%	-29.51%
Month-to-Date Return	-0.84%	14.46%
Year-to-Date Return	-20.65%	-4.65%
10-Day Avg. Volume	9.19M	0.36M
3-Month Avg. Volume	7.71M	0.30M
3-Month Volatility	18.09%	42.48%
Beta	-0.06	0.88

Profitability

Return on Equity (TTM)

INFY

29.51%

IT Services Industry

Max: 29.51%
Q3: 16.98%
Median: 13.47%
Q1: 7.93%
Min: -3.97%

In the upper quartile for the IT Services industry, INFY’s Return on Equity of 29.51% 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.

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

Net Profit Margin (TTM)

INFY

16.43%

IT Services Industry

Max: 19.82%
Q3: 11.49%
Median: 6.67%
Q1: 3.61%
Min: -4.62%

A Net Profit Margin of 16.43% places INFY in the upper quartile for the IT Services industry, signifying strong profitability and more effective cost management than most of its peers.

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.

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

Operating Profit Margin (TTM)

INFY

21.05%

IT Services Industry

Max: 21.69%
Q3: 14.50%
Median: 10.06%
Q1: 6.98%
Min: 0.06%

An Operating Profit Margin of 21.05% places INFY in the upper quartile for the IT Services 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.

INFY 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	INFY	KSPI
Return on Equity (TTM)	29.51%	74.52%
Return on Assets (TTM)	18.81%	13.24%
Net Profit Margin (TTM)	16.43%	--
Operating Profit Margin (TTM)	21.05%	--
Gross Profit Margin (TTM)	30.47%	--

Financial Strength

Current Ratio (MRQ)

INFY

2.18

IT Services Industry

Max: 2.42
Q3: 1.81
Median: 1.47
Q1: 1.09
Min: 0.44

INFY’s Current Ratio of 2.18 is in the upper quartile for the IT Services industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.

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.

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

Debt-to-Equity Ratio (MRQ)

INFY

0.09

IT Services Industry

Max: 2.33
Q3: 1.17
Median: 0.54
Q1: 0.15
Min: 0.00

Falling into the lower quartile for the IT Services industry, INFY’s Debt-to-Equity Ratio of 0.09 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.

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.

INFY 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)

INFY

IT Services Industry

Max: 144.50
Q3: 84.49
Median: 13.76
Q1: 2.59
Min: -28.13

Interest Coverage Ratio data for INFY is currently unavailable.

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.

INFY 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	INFY	KSPI
Current Ratio (MRQ)	2.18	--
Quick Ratio (MRQ)	2.11	--
Debt-to-Equity Ratio (MRQ)	0.09	0.23
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

INFY 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

INFY 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)

INFY

4.92%

IT Services Industry

Max: 2.80%
Q3: 1.74%
Median: 0.62%
Q1: 0.00%
Min: 0.00%

INFY’s Dividend Yield of 4.92% is exceptionally high, placing it well above the typical range for the IT Services 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.

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

Dividend Payout Ratio (TTM)

INFY

107.85%

IT Services Industry

Max: 147.75%
Q3: 63.58%
Median: 24.63%
Q1: 0.00%
Min: 0.00%

INFY’s Dividend Payout Ratio of 107.85% is in the upper quartile for the IT Services industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

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.

INFY 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	INFY	KSPI
Dividend Yield (TTM)	4.92%	6.73%
Dividend Payout Ratio (TTM)	107.85%	78.77%

Valuation

Price-to-Earnings Ratio (TTM)

INFY

21.94

IT Services Industry

Max: 41.55
Q3: 31.54
Median: 23.25
Q1: 18.12
Min: 6.57

INFY’s P/E Ratio of 21.94 is within the middle range for the IT Services 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.

INFY 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)

INFY

3.60

IT Services Industry

Max: 6.61
Q3: 4.37
Median: 2.02
Q1: 1.20
Min: 0.19

INFY’s P/S Ratio of 3.60 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: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

P/S Ratio data for KSPI is currently unavailable.

INFY 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)

INFY

6.99

IT Services Industry

Max: 11.19
Q3: 6.38
Median: 3.47
Q1: 2.31
Min: 0.96

INFY’s P/B Ratio of 6.99 is in the upper tier for the IT Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

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.

INFY 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	INFY	KSPI
Price-to-Earnings Ratio (TTM)	21.94	8.93
Price-to-Sales Ratio (TTM)	3.60	--
Price-to-Book Ratio (MRQ)	6.99	5.70
Price-to-Free Cash Flow Ratio (TTM)	18.79	14.23