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

Updated on October 14, 2025

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

Symbol	KSPI	UI
Company Name	Joint Stock Company Kaspi.kz	Ubiquiti Inc.
Country	Kazakhstan	United States
GICS Sector	Financials	Information Technology
GICS Industry	Consumer Finance	Communications Equipment
Market Capitalization	15.68 billion USD	41.28 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 19, 2024	October 14, 2011
Security Type	ADR	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	KSPI	UI
5-Day Price Return	-2.33%	0.67%
13-Week Price Return	-6.77%	69.31%
26-Week Price Return	-14.59%	135.48%
52-Week Price Return	-25.51%	204.85%
Month-to-Date Return	-5.44%	3.30%
Year-to-Date Return	-18.45%	105.57%
10-Day Avg. Volume	0.75M	0.18M
3-Month Avg. Volume	0.37M	0.15M
3-Month Volatility	42.17%	73.93%
Beta	0.85	1.34

Profitability

Return on Equity (TTM)

KSPI

67.04%

Consumer Finance Industry

Max: 32.87%
Q3: 21.72%
Median: 12.80%
Q1: 9.07%
Min: -3.88%

KSPI’s Return on Equity of 67.04% 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.

UI

179.90%

Communications Equipment Industry

Max: 32.30%
Q3: 20.90%
Median: 9.10%
Q1: 4.29%
Min: -13.50%

UI’s Return on Equity of 179.90% is exceptionally high, placing it well beyond the typical range for the Communications Equipment industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

KSPI vs. UI: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Net Profit Margin (TTM)

KSPI

Consumer Finance Industry

Max: 19.68%
Q3: 17.11%
Median: 13.55%
Q1: 9.71%
Min: -0.75%

Net Profit Margin data for KSPI is currently unavailable.

UI

27.66%

Communications Equipment Industry

Max: 23.65%
Q3: 12.56%
Median: 5.62%
Q1: 2.50%
Min: -3.09%

UI’s Net Profit Margin of 27.66% is exceptionally high, placing it well beyond the typical range for the Communications Equipment industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

KSPI vs. UI: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Operating Profit Margin (TTM)

KSPI

Consumer Finance Industry

Max: 50.11%
Q3: 32.02%
Median: 19.92%
Q1: 14.90%
Min: -5.45%

Operating Profit Margin data for KSPI is currently unavailable.

UI

32.50%

Communications Equipment Industry

Max: 25.23%
Q3: 13.72%
Median: 6.44%
Q1: 3.00%
Min: -10.95%

UI’s Operating Profit Margin of 32.50% is exceptionally high, placing it well above the typical range for the Communications Equipment industry. This demonstrates outstanding efficiency in managing its core operations, which can be a result of strong pricing power or superior cost control.

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

Profitability at a Glance

Symbol	KSPI	UI
Return on Equity (TTM)	67.04%	179.90%
Return on Assets (TTM)	12.37%	55.77%
Net Profit Margin (TTM)	--	27.66%
Operating Profit Margin (TTM)	--	32.50%
Gross Profit Margin (TTM)	--	43.42%

Financial Strength

Current Ratio (MRQ)

KSPI

Consumer Finance Industry

Max: 7.85
Q3: 4.26
Median: 2.28
Q1: 0.82
Min: 0.07

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

UI

1.65

Communications Equipment Industry

Max: 3.33
Q3: 2.13
Median: 1.55
Q1: 1.15
Min: 0.91

UI’s Current Ratio of 1.65 aligns with the median group of the Communications Equipment industry, indicating that its short-term liquidity is in line with its sector peers.

KSPI vs. UI: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Debt-to-Equity Ratio (MRQ)

KSPI

0.29

Consumer Finance Industry

Max: 6.63
Q3: 3.60
Median: 2.40
Q1: 0.99
Min: 0.23

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

UI

0.37

Communications Equipment Industry

Max: 1.44
Q3: 0.86
Median: 0.53
Q1: 0.22
Min: 0.00

UI’s Debt-to-Equity Ratio of 0.37 is typical for the Communications Equipment industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

KSPI vs. UI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Interest Coverage Ratio (TTM)

KSPI

Consumer Finance Industry

Max: 49.63
Q3: 28.11
Median: 4.75
Q1: 2.86
Min: -15.69

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

UI

27.30

Communications Equipment Industry

Max: 55.49
Q3: 34.19
Median: 7.59
Q1: 3.73
Min: -9.94

UI’s Interest Coverage Ratio of 27.30 is positioned comfortably within the norm for the Communications Equipment industry, indicating a standard and healthy capacity to cover its interest payments.

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

Financial Strength at a Glance

Symbol	KSPI	UI
Current Ratio (MRQ)	--	1.65
Quick Ratio (MRQ)	--	0.62
Debt-to-Equity Ratio (MRQ)	0.29	0.37
Interest Coverage Ratio (TTM)	--	27.30

Growth

Revenue Growth

KSPI vs. UI: 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. UI: 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

3.80%

Consumer Finance Industry

Max: 7.21%
Q3: 3.38%
Median: 2.39%
Q1: 0.67%
Min: 0.00%

With a Dividend Yield of 3.80%, KSPI offers a more attractive income stream than most of its peers in the Consumer Finance industry, signaling a strong commitment to shareholder returns.

UI

0.35%

Communications Equipment Industry

Max: 8.13%
Q3: 3.29%
Median: 0.94%
Q1: 0.00%
Min: 0.00%

UI’s Dividend Yield of 0.35% is consistent with its peers in the Communications Equipment industry, providing a dividend return that is standard for its sector.

KSPI vs. UI: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Dividend Payout Ratio (TTM)

KSPI

78.77%

Consumer Finance Industry

Max: 145.89%
Q3: 88.89%
Median: 25.97%
Q1: 9.25%
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.

UI

20.39%

Communications Equipment Industry

Max: 111.16%
Q3: 70.91%
Median: 30.78%
Q1: 0.00%
Min: 0.00%

UI’s Dividend Payout Ratio of 20.39% is within the typical range for the Communications Equipment industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	KSPI	UI
Dividend Yield (TTM)	3.80%	0.35%
Dividend Payout Ratio (TTM)	78.77%	20.39%

Valuation

Price-to-Earnings Ratio (TTM)

KSPI

7.77

Consumer Finance Industry

Max: 35.93
Q3: 20.63
Median: 12.65
Q1: 9.73
Min: 3.96

In the lower quartile for the Consumer Finance industry, KSPI’s P/E Ratio of 7.77 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

UI

58.05

Communications Equipment Industry

Max: 103.74
Q3: 61.65
Median: 26.20
Q1: 18.12
Min: 4.19

UI’s P/E Ratio of 58.05 is within the middle range for the Communications Equipment 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. UI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Price-to-Sales Ratio (TTM)

KSPI

Consumer Finance Industry

Max: 3.79
Q3: 2.71
Median: 1.91
Q1: 1.14
Min: 0.61

P/S Ratio data for KSPI is currently unavailable.

UI

16.06

Communications Equipment Industry

Max: 6.86
Q3: 6.24
Median: 2.44
Q1: 1.02
Min: 0.48

With a P/S Ratio of 16.06, UI trades at a valuation that eclipses even the highest in the Communications Equipment industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

KSPI vs. UI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Price-to-Book Ratio (MRQ)

KSPI

4.60

Consumer Finance Industry

Max: 3.80
Q3: 2.83
Median: 2.02
Q1: 1.18
Min: 0.26

At 4.60, 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.

UI

37.26

Communications Equipment Industry

Max: 6.28
Q3: 5.73
Median: 3.32
Q1: 2.02
Min: 0.42

At 37.26, UI’s P/B Ratio is at an extreme premium to the Communications Equipment 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. UI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Communications Equipment industry benchmarks.

Valuation at a Glance

Symbol	KSPI	UI
Price-to-Earnings Ratio (TTM)	7.77	58.05
Price-to-Sales Ratio (TTM)	--	16.06
Price-to-Book Ratio (MRQ)	4.60	37.26
Price-to-Free Cash Flow Ratio (TTM)	10.40	65.86