Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) and Credit Acceptance (NASDAQ:CACC – 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 dividends, institutional ownership, valuation, earnings, analyst recommendations, profitability and risk.
Risk & Volatility
Joint Stock Company Kaspi.kz has a beta of 1.06, meaning that its share price is 6% more volatile than the S&P 500. Comparatively, Credit Acceptance has a beta of 1.4, meaning that its share price is 40% more volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings for Joint Stock Company Kaspi.kz and Credit Acceptance, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Joint Stock Company Kaspi.kz | 0 | 3 | 1 | 0 | 2.25 |
| Credit Acceptance | 0 | 3 | 1 | 0 | 2.25 |
Profitability
This table compares Joint Stock Company Kaspi.kz and Credit Acceptance’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Joint Stock Company Kaspi.kz | 24.00% | 40.69% | 9.54% |
| Credit Acceptance | 21.54% | 31.67% | 5.68% |
Institutional & Insider Ownership
32.2% of Joint Stock Company Kaspi.kz shares are held by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are held by institutional investors. 6.1% of Credit Acceptance shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Valuation and Earnings
This table compares Joint Stock Company Kaspi.kz and Credit Acceptance”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Joint Stock Company Kaspi.kz | $7.70 billion | 2.30 | $2.04 billion | $10.98 | 8.47 |
| Credit Acceptance | $2.32 billion | 2.47 | $423.90 million | $45.48 | 12.04 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than Credit Acceptance. Joint Stock Company Kaspi.kz is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of 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 Credit Acceptance
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. The company advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company serves independent and franchised automobile dealers. Credit Acceptance Corporation was incorporated in 1972 and is headquartered in Southfield, Michigan.
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