MoneyHero (NASDAQ:MNY – Get Free Report) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, dividends, valuation, profitability, institutional ownership, earnings and analyst recommendations.
Profitability
This table compares MoneyHero and Joint Stock Company Kaspi.kz’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| MoneyHero | -126.29% | -170.98% | -110.10% |
| Joint Stock Company Kaspi.kz | N/A | N/A | N/A |
Valuation & Earnings
This table compares MoneyHero and Joint Stock Company Kaspi.kz”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| MoneyHero | $600,000.00 | 58.66 | -$172.60 million | ($1.00) | -0.84 |
| Joint Stock Company Kaspi.kz | $2,789.96 billion | 0.01 | $1.85 billion | $10.42 | 8.26 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than MoneyHero. MoneyHero 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 & Risk
MoneyHero has a beta of 1.19, indicating that its stock price is 19% more volatile than the S&P 500. Comparatively, Joint Stock Company Kaspi.kz has a beta of 1.04, indicating that its stock price is 4% more volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current ratings and target prices for MoneyHero and Joint Stock Company Kaspi.kz, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| MoneyHero | 0 | 0 | 0 | 0 | 0.00 |
| Joint Stock Company Kaspi.kz | 0 | 0 | 3 | 0 | 3.00 |
Joint Stock Company Kaspi.kz has a consensus price target of $135.67, suggesting a potential upside of 57.70%. Given Joint Stock Company Kaspi.kz’s stronger consensus rating and higher possible upside, analysts clearly believe Joint Stock Company Kaspi.kz is more favorable than MoneyHero.
Insider and Institutional Ownership
30.9% of MoneyHero shares are owned by institutional investors. Comparatively, 32.2% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. 19.2% of MoneyHero shares are owned by company 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.
Summary
Joint Stock Company Kaspi.kz beats MoneyHero on 11 of the 14 factors compared between the two stocks.
About MoneyHero
MoneyHero Limited operates as a personal finance company. It engages in operation of online financial comparison platforms and related services. The company offers its products under Money Hero, SingSaver, Money101, MoneyMax, CompareHero, Seedly, and Creatory brands. MoneyHero Limited operates in Singapore, Hong Kong, Taiwan, the Philippines, Malaysia, and Thailand. The company was founded in 2014 and is headquartered in Singapore.
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.
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