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

Updated on August 29, 2025

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

Company Profile

JKHY 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	JKHY	KSPI
Company Name	Jack Henry & Associates, Inc.	Joint Stock Company Kaspi.kz
Country	United States	Kazakhstan
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Consumer Finance
Market Capitalization	11.86 billion USD	17.73 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	November 20, 1985	January 19, 2024
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of JKHY 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.

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

Historical Performance at a Glance

Symbol	JKHY	KSPI
5-Day Price Return	-0.32%	1.20%
13-Week Price Return	-11.84%	12.08%
26-Week Price Return	-4.90%	-9.47%
52-Week Price Return	-3.61%	-26.18%
Month-to-Date Return	-4.17%	17.21%
Year-to-Date Return	-7.16%	-2.35%
10-Day Avg. Volume	0.92M	0.25M
3-Month Avg. Volume	0.63M	0.30M
3-Month Volatility	19.27%	41.56%
Beta	0.80	0.89

Profitability

Return on Equity (TTM)

JKHY

22.07%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

In the upper quartile for the Financial Services industry, JKHY’s Return on Equity of 22.07% 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.

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

Net Profit Margin (TTM)

JKHY

19.19%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

JKHY’s Net Profit Margin of 19.19% is aligned with the median group of its peers in the Financial Services 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.

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

Operating Profit Margin (TTM)

JKHY

23.94%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

JKHY’s Operating Profit Margin of 23.94% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

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.

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

Profitability at a Glance

Symbol	JKHY	KSPI
Return on Equity (TTM)	22.07%	74.52%
Return on Assets (TTM)	14.68%	13.24%
Net Profit Margin (TTM)	19.19%	--
Operating Profit Margin (TTM)	23.94%	--
Gross Profit Margin (TTM)	42.71%	--

Financial Strength

Current Ratio (MRQ)

JKHY

1.36

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

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

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.

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

Debt-to-Equity Ratio (MRQ)

JKHY

0.08

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

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

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.

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

Interest Coverage Ratio (TTM)

JKHY

78.80

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

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

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.

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

Financial Strength at a Glance

Symbol	JKHY	KSPI
Current Ratio (MRQ)	1.36	--
Quick Ratio (MRQ)	1.01	--
Debt-to-Equity Ratio (MRQ)	0.08	0.23
Interest Coverage Ratio (TTM)	78.80	--

Growth

Revenue Growth

JKHY 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

JKHY 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)

JKHY

1.35%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

JKHY’s Dividend Yield of 1.35% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

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.

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

Dividend Payout Ratio (TTM)

JKHY

37.87%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

JKHY’s Dividend Payout Ratio of 37.87% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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.

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

Dividend at a Glance

Symbol	JKHY	KSPI
Dividend Yield (TTM)	1.35%	6.73%
Dividend Payout Ratio (TTM)	37.87%	78.77%

Valuation

Price-to-Earnings Ratio (TTM)

JKHY

26.34

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

JKHY’s P/E Ratio of 26.34 is within the middle range for the Financial 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.

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

Price-to-Sales Ratio (TTM)

JKHY

5.05

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

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.

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

Price-to-Book Ratio (MRQ)

JKHY

6.54

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

JKHY’s P/B Ratio of 6.54 is in the upper tier for the Financial 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.

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

Valuation at a Glance

Symbol	JKHY	KSPI
Price-to-Earnings Ratio (TTM)	26.34	8.93
Price-to-Sales Ratio (TTM)	5.05	--
Price-to-Book Ratio (MRQ)	6.54	5.70
Price-to-Free Cash Flow Ratio (TTM)	39.66	14.23