KSPI vs. SCHW: Kaspi.kz vs. Charles Schwab Stock Comparison

Company Profile

Kaspi.kz (KSPI) and Charles Schwab (SCHW) both fall under the Financial Services industry group, but KSPI is classified in Consumer Finance while SCHW is classified in Capital Markets.

Charles Schwab (SCHW) carries decades of public-market history since September 22, 1987, while Kaspi.kz (KSPI) listed on January 19, 2024 — long-window comparisons have far more historical data on the SCHW side.

Charles Schwab (SCHW) 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

Kaspi.kz (KSPI) at 44.78% sits in the top ROE quartile, while Charles Schwab (SCHW) at 21.12% is closer to the peer norm — stronger capital efficiency for KSPI.

Charles Schwab (SCHW) at 39.33% retains a top-quartile share of revenue as profit, ahead of Kaspi.kz (KSPI) at 24.15%, which keeps about the industry-typical share.

Charles Schwab (SCHW) at 52.67% 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 Charles Schwab (SCHW) at 22.01% is closer to the peer norm — faster top-line expansion for KSPI.

Charles Schwab (SCHW) at 55.52% sits in the top EPS growth quartile, while Kaspi.kz (KSPI) at 2.96% is closer to the peer norm — faster per-share earnings growth for SCHW.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Kaspi.kz (KSPI) in Financial Services and Charles Schwab (SCHW) 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 Charles Schwab (SCHW) 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 Charles Schwab (SCHW) reports a yield of 1.33%, ranking against industry peers normally.

Both Kaspi.kz (KSPI) at 33.12% and Charles Schwab (SCHW) at 21.03% 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 Charles Schwab (SCHW) at 15.64 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 Charles Schwab (SCHW), whose P/S ratio of 5.85 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 Charles Schwab (SCHW) at 3.08 is valued near its industry’s middle — KSPI is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics