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

Updated on August 24, 2025

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

Company Profile

KSPI trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, NOW is a standard domestic listing.

Symbol	KSPI	NOW
Company Name	Joint Stock Company Kaspi.kz	ServiceNow, Inc.
Country	Kazakhstan	United States
GICS Sector	Financials	Information Technology
GICS Industry	Consumer Finance	Software
Market Capitalization	17.23 billion USD	184.74 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 19, 2024	June 29, 2012
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of KSPI and NOW 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.

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

Historical Performance at a Glance

Symbol	KSPI	NOW
5-Day Price Return	-5.84%	4.63%
13-Week Price Return	5.61%	-13.21%
26-Week Price Return	-17.32%	-10.03%
52-Week Price Return	-29.51%	6.89%
Month-to-Date Return	14.46%	-5.61%
Year-to-Date Return	-4.65%	-16.02%
10-Day Avg. Volume	0.36M	2.27M
3-Month Avg. Volume	0.30M	1.60M
3-Month Volatility	42.48%	26.69%
Beta	0.88	0.94

Profitability

Return on Equity (TTM)

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.

NOW

16.62%

Software Industry

Max: 59.01%
Q3: 21.98%
Median: 7.15%
Q1: -11.12%
Min: -51.24%

NOW’s Return on Equity of 16.62% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

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.

NOW

13.78%

Software Industry

Max: 48.14%
Q3: 18.23%
Median: 5.60%
Q1: -9.22%
Min: -49.36%

NOW’s Net Profit Margin of 13.78% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

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.

NOW

13.28%

Software Industry

Max: 57.34%
Q3: 20.60%
Median: 7.84%
Q1: -8.72%
Min: -51.37%

NOW’s Operating Profit Margin of 13.28% is around the midpoint for the Software industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

Symbol	KSPI	NOW
Return on Equity (TTM)	74.52%	16.62%
Return on Assets (TTM)	13.24%	8.12%
Net Profit Margin (TTM)	--	13.78%
Operating Profit Margin (TTM)	--	13.28%
Gross Profit Margin (TTM)	--	78.52%

Financial Strength

Current Ratio (MRQ)

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.

NOW

1.09

Software Industry

Max: 3.83
Q3: 2.31
Median: 1.45
Q1: 1.03
Min: 0.24

NOW’s Current Ratio of 1.09 aligns with the median group of the Software industry, indicating that its short-term liquidity is in line with its sector peers.

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

Debt-to-Equity Ratio (MRQ)

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.

NOW

0.14

Software Industry

Max: 2.14
Q3: 0.90
Median: 0.29
Q1: 0.00
Min: 0.00

NOW’s Debt-to-Equity Ratio of 0.14 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 vs. NOW: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Software industry benchmarks.

Interest Coverage Ratio (TTM)

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.

NOW

32.13

Software Industry

Max: 67.02
Q3: 19.86
Median: 0.70
Q1: -12.50
Min: -53.00

NOW’s Interest Coverage Ratio of 32.13 is in the upper quartile for the Software industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.

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

Financial Strength at a Glance

Symbol	KSPI	NOW
Current Ratio (MRQ)	--	1.09
Quick Ratio (MRQ)	--	0.99
Debt-to-Equity Ratio (MRQ)	0.23	0.14
Interest Coverage Ratio (TTM)	--	32.13

Growth

Revenue Growth

KSPI vs. NOW: 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

KSPI vs. NOW: 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)

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.

NOW

0.00%

Software Industry

Max: 0.08%
Q3: 0.03%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

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

Dividend Payout Ratio (TTM)

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.

NOW

0.00%

Software Industry

Max: 1.32%
Q3: 0.53%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

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

Dividend at a Glance

Symbol	KSPI	NOW
Dividend Yield (TTM)	6.73%	0.00%
Dividend Payout Ratio (TTM)	78.77%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

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.

NOW

111.05

Software Industry

Max: 149.35
Q3: 100.21
Median: 47.97
Q1: 26.77
Min: 11.68

A P/E Ratio of 111.05 places NOW in the upper quartile for the Software industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

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.

NOW

15.30

Software Industry

Max: 25.24
Q3: 13.52
Median: 8.15
Q1: 4.87
Min: 0.98

NOW’s P/S Ratio of 15.30 is in the upper echelon for the Software industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

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

Price-to-Book Ratio (MRQ)

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.

NOW

19.48

Software Industry

Max: 30.95
Q3: 14.91
Median: 7.75
Q1: 3.60
Min: 0.38

NOW’s P/B Ratio of 19.48 is in the upper tier for the Software 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 vs. NOW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Software industry benchmarks.

Valuation at a Glance

Symbol	KSPI	NOW
Price-to-Earnings Ratio (TTM)	8.93	111.05
Price-to-Sales Ratio (TTM)	--	15.30
Price-to-Book Ratio (MRQ)	5.70	19.48
Price-to-Free Cash Flow Ratio (TTM)	14.23	48.48