Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) and Tenet Fintech Group (OTCMKTS:PKKFF – Get Free Report) are both business services companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, earnings, risk, dividends, profitability, institutional ownership and valuation.
Analyst Ratings
This is a summary of recent ratings and target prices for Joint Stock Company Kaspi.kz and Tenet Fintech Group, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Joint Stock Company Kaspi.kz | 1 | 3 | 1 | 0 | 2.00 |
| Tenet Fintech Group | 0 | 0 | 0 | 0 | 0.00 |
Joint Stock Company Kaspi.kz currently has a consensus target price of $96.67, indicating a potential upside of 36.94%. Given Joint Stock Company Kaspi.kz’s stronger consensus rating and higher possible upside, research analysts clearly believe Joint Stock Company Kaspi.kz is more favorable than Tenet Fintech Group.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Joint Stock Company Kaspi.kz | $4.82 billion | 2.92 | $2.18 billion | $11.09 | 6.37 |
| Tenet Fintech Group | $2.03 million | 6.63 | -$42.29 million | ($0.09) | -0.61 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than Tenet Fintech Group. Tenet Fintech Group 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.
Institutional & Insider Ownership
32.2% of Joint Stock Company Kaspi.kz shares are held by institutional investors. Comparatively, 0.3% of Tenet Fintech Group shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Volatility and Risk
Joint Stock Company Kaspi.kz has a beta of 0.88, suggesting that its stock price is 12% less volatile than the S&P 500. Comparatively, Tenet Fintech Group has a beta of 1.45, suggesting that its stock price is 45% more volatile than the S&P 500.
Profitability
This table compares Joint Stock Company Kaspi.kz and Tenet Fintech Group’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% |
| Tenet Fintech Group | -1,215.85% | -722.03% | -68.92% |
Summary
Joint Stock Company Kaspi.kz beats Tenet Fintech Group on 11 of the 13 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 Tenet Fintech Group
Tenet Fintech Group Inc., through its subsidiaries, provides various analytics and AI-based services to small-and-medium businesses and financial institutions. It offers Business Hub, a global ecosystem where analytics and AI are used to create opportunities and facilitate B2B transactions among its members. The company was formerly known as Peak Fintech Group Inc. and changed its name to Tenet Fintech Group Inc. in November 2021. Tenet Fintech Group Inc. was incorporated in 2008 and is headquartered in Toronto, Canada.
Receive News & Ratings for Joint Stock Company Kaspi.kz Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Joint Stock Company Kaspi.kz and related companies with MarketBeat.com's FREE daily email newsletter.
