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

Updated on August 25, 2025

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

Symbol	KSPI	XYZ
Company Name	Joint Stock Company Kaspi.kz	Block, Inc.
Country	Kazakhstan	United States
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Financial Services
Market Capitalization	17.23 billion USD	45.22 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 19, 2024	November 19, 2015
Security Type	ADR	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	KSPI	XYZ
5-Day Price Return	-5.84%	-2.45%
13-Week Price Return	5.61%	27.17%
26-Week Price Return	-17.32%	-11.99%
52-Week Price Return	-29.51%	10.92%
Month-to-Date Return	14.46%	-3.99%
Year-to-Date Return	-4.65%	-12.72%
10-Day Avg. Volume	0.36M	9.56M
3-Month Avg. Volume	0.30M	10.93M
3-Month Volatility	42.48%	40.28%
Beta	0.88	2.77

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.

XYZ

13.95%

Financial Services Industry

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

XYZ’s Return on Equity of 13.95% 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. XYZ: 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.

XYZ

12.41%

Financial Services Industry

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

XYZ’s Net Profit Margin of 12.41% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

KSPI vs. XYZ: 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.

XYZ

4.82%

Financial Services Industry

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

XYZ’s Operating Profit Margin of 4.82% 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. XYZ: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	KSPI	XYZ
Return on Equity (TTM)	74.52%	13.95%
Return on Assets (TTM)	13.24%	8.08%
Net Profit Margin (TTM)	--	12.41%
Operating Profit Margin (TTM)	--	4.82%
Gross Profit Margin (TTM)	--	39.38%

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.

XYZ

1.96

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. XYZ: 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.

XYZ

0.26

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. XYZ: 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.

XYZ

12.18

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

Financial Strength at a Glance

Symbol	KSPI	XYZ
Current Ratio (MRQ)	--	1.96
Quick Ratio (MRQ)	--	1.92
Debt-to-Equity Ratio (MRQ)	0.23	0.26
Interest Coverage Ratio (TTM)	--	12.18

Growth

Revenue Growth

KSPI vs. XYZ: 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. XYZ: 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.

XYZ

0.00%

Financial Services Industry

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

XYZ 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. XYZ: 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.

XYZ

0.00%

Financial Services Industry

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

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

Dividend at a Glance

Symbol	KSPI	XYZ
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.

XYZ

16.06

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

XYZ’s P/E Ratio of 16.06 is within the middle range for the Financial Services 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. XYZ: 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.

XYZ

1.99

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. XYZ: 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.

XYZ

1.89

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

XYZ’s P/B Ratio of 1.89 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

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

Valuation at a Glance

Symbol	KSPI	XYZ
Price-to-Earnings Ratio (TTM)	8.93	16.06
Price-to-Sales Ratio (TTM)	--	1.99
Price-to-Book Ratio (MRQ)	5.70	1.89
Price-to-Free Cash Flow Ratio (TTM)	14.23	44.30