Upbound Group (NASDAQ:UPBD – Get Free Report) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, dividends, institutional ownership, profitability and analyst recommendations.
Dividends
Upbound Group pays an annual dividend of $1.56 per share and has a dividend yield of 6.2%. Joint Stock Company Kaspi.kz pays an annual dividend of $8.58 per share and has a dividend yield of 9.6%. Upbound Group pays out 82.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Joint Stock Company Kaspi.kz pays out 78.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Upbound Group has increased its dividend for 5 consecutive years. Joint Stock Company Kaspi.kz is clearly the better dividend stock, given its higher yield and lower payout ratio.
Earnings & Valuation
This table compares Upbound Group and Joint Stock Company Kaspi.kz”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Upbound Group | $4.70 billion | 0.31 | $73.24 million | $1.90 | 13.30 |
| Joint Stock Company Kaspi.kz | $7.70 billion | 2.21 | $2.04 billion | $10.98 | 8.15 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than Upbound Group. Joint Stock Company Kaspi.kz is trading at a lower price-to-earnings ratio than Upbound Group, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of current recommendations and price targets for Upbound Group and Joint Stock Company Kaspi.kz, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Upbound Group | 0 | 3 | 1 | 0 | 2.25 |
| Joint Stock Company Kaspi.kz | 0 | 4 | 1 | 0 | 2.20 |
Upbound Group currently has a consensus target price of $27.00, suggesting a potential upside of 6.85%. Joint Stock Company Kaspi.kz has a consensus target price of $105.33, suggesting a potential upside of 17.77%. Given Joint Stock Company Kaspi.kz’s higher probable upside, analysts clearly believe Joint Stock Company Kaspi.kz is more favorable than Upbound Group.
Profitability
This table compares Upbound Group and Joint Stock Company Kaspi.kz’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Upbound Group | 2.36% | 33.81% | 7.79% |
| Joint Stock Company Kaspi.kz | 24.00% | 40.69% | 9.54% |
Risk and Volatility
Upbound Group has a beta of 1.8, meaning that its stock price is 80% more volatile than the S&P 500. Comparatively, Joint Stock Company Kaspi.kz has a beta of 1.07, meaning that its stock price is 7% more volatile than the S&P 500.
Insider & Institutional Ownership
90.3% of Upbound Group shares are owned by institutional investors. Comparatively, 32.2% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. 1.2% of Upbound Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Summary
Joint Stock Company Kaspi.kz beats Upbound Group on 11 of the 16 factors compared between the two stocks.
About Upbound Group
Upbound Group, Inc. provides lease-to-own and retail services through brands including Rent-A-Center and Acima. Its offerings let customers obtain merchandise through flexible payment arrangements, with the option to own items after completing the required payments. The company’s products include furniture, appliances, electronics, computers and smartphones. Rent-A-Center serves customers through company-operated stores and franchise locations, while Acima provides lease-to-own options through participating retail partners and online channels.
About Joint Stock Company Kaspi.kz
Joint Stock Company Kaspi.kz is a Kazakhstan-based technology and financial services company that operates a digital ecosystem through its Kaspi.kz super app. Its services connect consumers, merchants and financial institutions across everyday shopping and financial activities. The company’s offerings include an online marketplace, digital payments and financial products such as consumer loans, deposits and merchant services. It also provides services such as travel booking through its platform.
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