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

Updated on August 18, 2025

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

Symbol	KSPI	SNOW
Company Name	Joint Stock Company Kaspi.kz	Snowflake Inc.
Country	Kazakhstan	United States
GICS Sector	Financials	Information Technology
GICS Industry	Consumer Finance	IT Services
Market Capitalization	18.64 billion USD	65.69 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 19, 2024	September 16, 2020
Security Type	ADR	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	KSPI	SNOW
5-Day Price Return	6.47%	-4.62%
13-Week Price Return	17.44%	9.05%
26-Week Price Return	-0.30%	5.63%
52-Week Price Return	-20.51%	60.02%
Month-to-Date Return	23.84%	-11.91%
Year-to-Date Return	3.17%	27.50%
10-Day Avg. Volume	0.48M	5.23M
3-Month Avg. Volume	0.32M	4.55M
3-Month Volatility	44.74%	41.57%
Beta	0.90	1.24

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.

SNOW

-44.88%

IT Services Industry

Max: 29.51%
Q3: 16.98%
Median: 13.47%
Q1: 7.93%
Min: -3.97%

SNOW has a negative Return on Equity of -44.88%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

KSPI vs. SNOW: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and IT Services 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.

SNOW

-36.43%

IT Services Industry

Max: 19.82%
Q3: 11.49%
Median: 6.67%
Q1: 3.61%
Min: -4.62%

SNOW has a negative Net Profit Margin of -36.43%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

KSPI vs. SNOW: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and IT Services 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.

SNOW

-41.37%

IT Services Industry

Max: 21.69%
Q3: 14.50%
Median: 10.06%
Q1: 6.98%
Min: 0.06%

SNOW has a negative Operating Profit Margin of -41.37%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

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

Profitability at a Glance

Symbol	KSPI	SNOW
Return on Equity (TTM)	74.52%	-44.88%
Return on Assets (TTM)	13.24%	-17.30%
Net Profit Margin (TTM)	--	-36.43%
Operating Profit Margin (TTM)	--	-41.37%
Gross Profit Margin (TTM)	--	66.58%

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.

SNOW

1.58

IT Services Industry

Max: 2.42
Q3: 1.81
Median: 1.47
Q1: 1.09
Min: 0.44

SNOW’s Current Ratio of 1.58 aligns with the median group of the IT Services industry, indicating that its short-term liquidity is in line with its sector peers.

KSPI vs. SNOW: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and IT Services 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.

SNOW

0.94

IT Services Industry

Max: 2.33
Q3: 1.17
Median: 0.54
Q1: 0.15
Min: 0.00

SNOW’s Debt-to-Equity Ratio of 0.94 is typical for the IT Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

KSPI vs. SNOW: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and IT Services 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.

SNOW

IT Services Industry

Max: 144.50
Q3: 84.49
Median: 13.76
Q1: 2.59
Min: -28.13

Interest Coverage Ratio data for SNOW is currently unavailable.

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

Financial Strength at a Glance

Symbol	KSPI	SNOW
Current Ratio (MRQ)	--	1.58
Quick Ratio (MRQ)	--	1.50
Debt-to-Equity Ratio (MRQ)	0.23	0.94
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

KSPI vs. SNOW: 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. SNOW: 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

6.61%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

With a Dividend Yield of 6.61%, KSPI offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

SNOW

0.00%

IT Services Industry

Max: 2.80%
Q3: 1.74%
Median: 0.62%
Q1: 0.00%
Min: 0.00%

SNOW 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. SNOW: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and IT Services 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.

SNOW

0.00%

IT Services Industry

Max: 147.75%
Q3: 63.58%
Median: 24.63%
Q1: 0.00%
Min: 0.00%

SNOW 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. SNOW: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and IT Services industry benchmarks.

Dividend at a Glance

Symbol	KSPI	SNOW
Dividend Yield (TTM)	6.61%	0.00%
Dividend Payout Ratio (TTM)	78.77%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

KSPI

9.09

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 9.09 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SNOW

IT Services Industry

Max: 41.55
Q3: 31.54
Median: 23.25
Q1: 18.12
Min: 6.57

P/E Ratio data for SNOW is currently unavailable.

KSPI vs. SNOW: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and IT Services 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.

SNOW

16.99

IT Services Industry

Max: 6.61
Q3: 4.37
Median: 2.02
Q1: 1.20
Min: 0.19

With a P/S Ratio of 16.99, SNOW trades at a valuation that eclipses even the highest in the IT Services industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

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

Price-to-Book Ratio (MRQ)

KSPI

5.71

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

At 5.71, 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.

SNOW

22.13

IT Services Industry

Max: 11.19
Q3: 6.38
Median: 3.47
Q1: 2.31
Min: 0.96

At 22.13, SNOW’s P/B Ratio is at an extreme premium to the IT Services 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.

KSPI vs. SNOW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and IT Services industry benchmarks.

Valuation at a Glance

Symbol	KSPI	SNOW
Price-to-Earnings Ratio (TTM)	9.09	--
Price-to-Sales Ratio (TTM)	--	16.99
Price-to-Book Ratio (MRQ)	5.71	22.13
Price-to-Free Cash Flow Ratio (TTM)	14.49	88.65