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

Updated on August 29, 2025

Here’s a clear look at KSPI and ORCL, 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, ORCL is a standard domestic listing.

Symbol	KSPI	ORCL
Company Name	Joint Stock Company Kaspi.kz	Oracle Corporation
Country	Kazakhstan	United States
GICS Sector	Financials	Information Technology
GICS Industry	Consumer Finance	Software
Market Capitalization	17.73 billion USD	662.35 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 19, 2024	March 12, 1986
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of KSPI and ORCL 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. ORCL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	KSPI	ORCL
5-Day Price Return	1.20%	1.14%
13-Week Price Return	12.08%	45.64%
26-Week Price Return	-9.47%	40.52%
52-Week Price Return	-26.18%	69.77%
Month-to-Date Return	17.21%	-7.08%
Year-to-Date Return	-2.35%	41.51%
10-Day Avg. Volume	0.25M	9.72M
3-Month Avg. Volume	0.30M	11.81M
3-Month Volatility	41.56%	42.76%
Beta	0.89	1.50

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.

ORCL

80.61%

Software Industry

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

ORCL’s Return on Equity of 80.61% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

KSPI vs. ORCL: 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.

ORCL

21.68%

Software Industry

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

A Net Profit Margin of 21.68% places ORCL in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.

KSPI vs. ORCL: 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.

ORCL

30.80%

Software Industry

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

An Operating Profit Margin of 30.80% places ORCL in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

Symbol	KSPI	ORCL
Return on Equity (TTM)	74.52%	80.61%
Return on Assets (TTM)	13.24%	8.00%
Net Profit Margin (TTM)	--	21.68%
Operating Profit Margin (TTM)	--	30.80%
Gross Profit Margin (TTM)	--	70.51%

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.

ORCL

0.75

Software Industry

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

ORCL’s Current Ratio of 0.75 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

KSPI vs. ORCL: 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.

ORCL

4.53

Software Industry

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

With a Debt-to-Equity Ratio of 4.53, ORCL operates with exceptionally high leverage compared to the Software industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.

KSPI vs. ORCL: 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.

ORCL

4.92

Software Industry

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

ORCL’s Interest Coverage Ratio of 4.92 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

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

Financial Strength at a Glance

Symbol	KSPI	ORCL
Current Ratio (MRQ)	--	0.75
Quick Ratio (MRQ)	--	0.61
Debt-to-Equity Ratio (MRQ)	0.23	4.53
Interest Coverage Ratio (TTM)	--	4.92

Growth

Revenue Growth

KSPI vs. ORCL: 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. ORCL: 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.

ORCL

0.73%

Software Industry

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

ORCL’s Dividend Yield of 0.73% is exceptionally high, placing it well above the typical range for the Software 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 vs. ORCL: 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.

ORCL

38.12%

Software Industry

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

At 38.12%, ORCL’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Software industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

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

Dividend at a Glance

Symbol	KSPI	ORCL
Dividend Yield (TTM)	6.73%	0.73%
Dividend Payout Ratio (TTM)	78.77%	38.12%

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.

ORCL

52.31

Software Industry

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

ORCL’s P/E Ratio of 52.31 is within the middle range for the Software 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 vs. ORCL: 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.

ORCL

11.34

Software Industry

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

ORCL’s P/S Ratio of 11.34 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 vs. ORCL: 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.

ORCL

22.84

Software Industry

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

ORCL’s P/B Ratio of 22.84 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. ORCL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Software industry benchmarks.

Valuation at a Glance

Symbol	KSPI	ORCL
Price-to-Earnings Ratio (TTM)	8.93	52.31
Price-to-Sales Ratio (TTM)	--	11.34
Price-to-Book Ratio (MRQ)	5.70	22.84
Price-to-Free Cash Flow Ratio (TTM)	14.23	76.77