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

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

SymbolKSPITOST
Company NameJoint Stock Company Kaspi.kzToast, Inc.
CountryKazakhstanUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceFinancial Services
Market Capitalization17.23 billion USD25.65 billion USD
ExchangeNasdaqGSNYSE
Listing DateJanuary 19, 2024September 22, 2021
Security TypeADRCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolKSPITOST
5-Day Price Return-5.84%3.53%
13-Week Price Return5.61%2.71%
26-Week Price Return-17.32%4.99%
52-Week Price Return-29.51%81.74%
Month-to-Date Return14.46%-9.91%
Year-to-Date Return-4.65%20.71%
10-Day Avg. Volume0.36M6.86M
3-Month Avg. Volume0.30M7.73M
3-Month Volatility42.48%37.05%
Beta0.882.03

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.

TOST

13.88%

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

TOST’s Return on Equity of 13.88% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

KSPI vs. TOST: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Financial 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.

TOST

4.05%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

Falling into the lower quartile for the Financial Services industry, TOST’s Net Profit Margin of 4.05% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

KSPI vs. TOST: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Financial 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.

TOST

3.67%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

TOST’s Operating Profit Margin of 3.67% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

SymbolKSPITOST
Return on Equity (TTM)74.52%13.88%
Return on Assets (TTM)13.24%8.99%
Net Profit Margin (TTM)--4.05%
Operating Profit Margin (TTM)--3.67%
Gross Profit Margin (TTM)--25.19%

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.

TOST

2.59

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

KSPI vs. TOST: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Financial 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.

TOST

0.00

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

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

TOST

-3.26

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

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

Financial Strength at a Glance

SymbolKSPITOST
Current Ratio (MRQ)--2.59
Quick Ratio (MRQ)--2.44
Debt-to-Equity Ratio (MRQ)0.230.00
Interest Coverage Ratio (TTM)---3.26

Growth

Revenue Growth

KSPI vs. TOST: 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. TOST: 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.

TOST

0.00%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

TOST 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. TOST: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Financial 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.

TOST

0.00%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

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

Dividend at a Glance

SymbolKSPITOST
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.

TOST

110.38

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

At 110.38, TOST’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

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

TOST

4.47

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

KSPI vs. TOST: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Financial Services 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.

TOST

14.11

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

At 14.11, TOST’s P/B Ratio is at an extreme premium to the Financial 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. TOST: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Financial Services industry benchmarks.

Valuation at a Glance

SymbolKSPITOST
Price-to-Earnings Ratio (TTM)8.93110.38
Price-to-Sales Ratio (TTM)--4.47
Price-to-Book Ratio (MRQ)5.7014.11
Price-to-Free Cash Flow Ratio (TTM)14.2348.67