JKHY vs. KSPI: Jack Henry & Associates vs. Kaspi.kz Stock Comparison

Company Profile

Jack Henry & Associates (JKHY) and Kaspi.kz (KSPI) both fall under the Financial Services industry group, but JKHY is classified in Financial Services while KSPI is classified in Consumer Finance.

Jack Henry & Associates (JKHY) carries decades of public-market history since November 20, 1985, while Kaspi.kz (KSPI) listed on January 19, 2024 — long-window comparisons have far more historical data on the JKHY side.

Jack Henry & Associates (JKHY) 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

Capital efficiency shows on one side only: Kaspi.kz (KSPI) earns 44.78% on shareholders’ equity, ranked against its industry; Jack Henry & Associates (JKHY) has no ROE this period.

Both Jack Henry & Associates (JKHY) at 19.96% and Kaspi.kz (KSPI) at 24.15% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Jack Henry & Associates (JKHY) at 29.52% 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 Jack Henry & Associates (JKHY) at 7.12% is closer to the peer norm — faster top-line expansion for KSPI.

Both Jack Henry & Associates (JKHY) at 11.86% 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: Jack Henry & Associates (JKHY) 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: Jack Henry & Associates (JKHY) 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 Jack Henry & Associates (JKHY) reports a yield of 1.34%, ranking against industry peers normally.

Both Jack Henry & Associates (JKHY) at 33.10% and Kaspi.kz (KSPI) at 33.12% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Kaspi.kz (KSPI) at 8.40 sits in the cheaper P/E ratio quartile, while Jack Henry & Associates (JKHY) at 23.80 is closer to its industry’s usual earnings multiple — a discount for KSPI, though growth and earnings durability still matter.

A sales-based read is only available for Jack Henry & Associates (JKHY), whose P/S ratio of 4.67 ranks against industry peers; Kaspi.kz (KSPI) reports no figure this period.

Kaspi.kz (KSPI) at 0.01 looks cheap against book in the lower P/B ratio quartile, while Jack Henry & Associates (JKHY) at 5.92 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics