Repay (NASDAQ:RPAY) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI) Financial Survey

Joint Stock Company Kaspi.kz (NASDAQ:KSPIGet Free Report) and Repay (NASDAQ:RPAYGet Free Report) are both business services companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, earnings, risk, profitability, analyst recommendations, institutional ownership and dividends.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Joint Stock Company Kaspi.kz and Repay, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Joint Stock Company Kaspi.kz 0 0 4 0 3.00
Repay 0 7 6 0 2.46

Joint Stock Company Kaspi.kz presently has a consensus price target of $154.50, suggesting a potential upside of 28.78%. Repay has a consensus price target of $10.50, suggesting a potential upside of 0.10%. Given Joint Stock Company Kaspi.kz’s stronger consensus rating and higher probable upside, equities analysts clearly believe Joint Stock Company Kaspi.kz is more favorable than Repay.

Valuation and Earnings

This table compares Joint Stock Company Kaspi.kz and Repay’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Joint Stock Company Kaspi.kz $4.21 billion 5.41 $1.85 billion N/A N/A
Repay $296.63 million 3.61 -$110.49 million ($0.98) -10.70

Joint Stock Company Kaspi.kz has higher revenue and earnings than Repay.

Institutional and Insider Ownership

0.1% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. Comparatively, 82.7% of Repay shares are owned by institutional investors. 11.0% of Repay shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Joint Stock Company Kaspi.kz and Repay’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Joint Stock Company Kaspi.kz N/A N/A N/A
Repay -29.49% 7.74% 4.33%

Summary

Joint Stock Company Kaspi.kz beats Repay on 6 of the 11 factors compared between the two stocks.

About Joint Stock Company Kaspi.kz

(Get Free Report)

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 Repay

(Get Free Report)

Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, virtual terminal, online client portal, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

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