KSPI vs. PYPL: Kaspi.kz vs. PayPal Stock Comparison

Company Profile

Kaspi.kz (KSPI) and PayPal (PYPL) both fall under the Financial Services industry group, but KSPI is classified in Consumer Finance while PYPL is classified in Financial Services.

PayPal (PYPL) has been public since July 6, 2015, giving it a longer listed trading history, while Kaspi.kz (KSPI) listed on January 19, 2024 and still has a shorter public-market record.

PayPal (PYPL) 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

PayPal (PYPL) is heavily traded at around 11.78M shares per day, whereas Kaspi.kz (KSPI) sees a more moderate 566.23K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Kaspi.kz (KSPI) at 44.78% and PayPal (PYPL) at 23.83% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Both Kaspi.kz (KSPI) at 24.15% and PayPal (PYPL) at 13.78% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

PayPal (PYPL) at 18.41% 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 PayPal (PYPL) at 4.32% is closer to the peer norm — faster top-line expansion for KSPI.

Both Kaspi.kz (KSPI) at 2.96% and PayPal (PYPL) at 35.59% 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: Kaspi.kz (KSPI) in Financial Services and PayPal (PYPL) 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: Kaspi.kz (KSPI) in Financial Services and PayPal (PYPL) 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 PayPal (PYPL) reports a yield of 0.95%, ranking against industry peers normally.

Both Kaspi.kz (KSPI) at 33.12% and PayPal (PYPL) at 10.69% 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 PayPal (PYPL) at 11.31 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 PayPal (PYPL), whose P/S ratio of 1.43 ranks against industry peers; Kaspi.kz (KSPI) reports no figure this period.

Kaspi.kz (KSPI) at 0.01 sits in the lower P/B ratio quartile against book while PayPal (PYPL) at 2.55 is valued near its industry’s middle — KSPI is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics