Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) and XBP Global (NASDAQ:XBP – Get Free Report) are both business services companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, profitability, dividends and analyst recommendations.
Institutional & Insider Ownership
32.2% of Joint Stock Company Kaspi.kz shares are held by institutional investors. Comparatively, 15.7% of XBP Global shares are held by institutional investors. 10.5% of XBP Global shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Analyst Ratings
This is a breakdown of recent ratings and price targets for Joint Stock Company Kaspi.kz and XBP Global, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Joint Stock Company Kaspi.kz | 0 | 3 | 2 | 0 | 2.40 |
| XBP Global | 1 | 0 | 0 | 0 | 1.00 |
Profitability
This table compares Joint Stock Company Kaspi.kz and XBP Global’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Joint Stock Company Kaspi.kz | 30.35% | 55.31% | 11.20% |
| XBP Global | N/A | 7,889.88% | 384.84% |
Earnings & Valuation
This table compares Joint Stock Company Kaspi.kz and XBP Global”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Joint Stock Company Kaspi.kz | $4.82 billion | 3.21 | $2.18 billion | $11.09 | 7.00 |
| XBP Global | $142.77 million | 0.56 | -$12.37 million | ($0.22) | -3.12 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than XBP Global. XBP Global is trading at a lower price-to-earnings ratio than Joint Stock Company Kaspi.kz, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Joint Stock Company Kaspi.kz has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500. Comparatively, XBP Global has a beta of -0.39, suggesting that its stock price is 139% less volatile than the S&P 500.
Summary
Joint Stock Company Kaspi.kz beats XBP Global on 11 of the 14 factors compared between the two stocks.
About Joint Stock Company Kaspi.kz
Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in the Republic of Kazakhstan. It operates through three segments: Payments Platform, Marketplace Platform, and Fintech Platform. The Payments Platform segment facilities transactions between customers and merchants. This segment offers shopping transactions, regular household bills, and peer to peer payments for consumers; accepts payment online and in store, issue and settle invoices, pay suppliers and monitor merchant turnover. It also provides proprietary data facilities informed decision making across multiple areas of business. Its Marketplace Platform segment connects online, and offline merchants and consumers enabling merchants to enhance its sales through an omni channel strategy and enable consumers to buy products and services from various merchants. This segment also operates marketplace through m-commerce, a mobile solution for shopping in person which consumers can use e-commerce to shop anywhere, anytime with free delivery; Kaspi Travel allows consumers to book domestic and international flights and package holidays, domestic rail tickets. It also enhances merchants sales by connecting payments and fintech products, Kapsi advertising, and other delivery services. The Fintech Platform segment provides consumers with BNPL, finance, and savings products and merchants with merchant finance services through super apps and Kapsi.kz Super app. It also involved in the banking; distressed asset management; real estate business; payment processing; online travel; and storage and processing of information services. The company was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.
About XBP Global
XBP Europe Holdings, Inc. provides bills, payments, and related solutions and services in France, Germany, the United Kingdom, Sweden, and internationally. The company operates through two segments, Bills & Payments and Technology. The Bills & Payments segment focuses on optimizing how bills and payments are processed by businesses of all sizes and industries. This segment also offers automation of accounts payable and accounts receivables processes and seeks to integrate buyers and suppliers, as well as engages in digital transformation business. The Technology segment engages in the sale of recurring software licenses and related maintenance, and hardware solutions, as well as provision of related maintenance and professional services. In addition, the company offers XBP platform that provides a secured network allowing billers, consumers, and businesses to communicate and transact; XBP Omnidirect, a cloud-based platform that provides enterprise level client communication management; and Reaktr.ai for cybersecurity, data modernization and cloud management, and generative AI. Further, it provides request to pay solutions; enterprise information management solutions; robotic process automation solutions; digital mailroom and records digitization solutions; business process management and intelligent workflow automation solutions; integrated communications solution; banking and financial industry solutions and services; cross-border payments; digitization of checks; confirmation of payee; and mortgage and loan management solutions. The company is based in Egham, the United Kingdom. XBP Europe Holdings, Inc. operates as a subsidiary of Exela Technologies, Inc.
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