Fiserv (NYSE:FI) vs. Joint Stock Company Kaspi.kz (NASDAQ:KSPI) Head to Head Analysis

Fiserv (NYSE:FI) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI) are both large-cap business services companies, but which is the better investment? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, risk, dividends, profitability, institutional ownership and valuation.

Dividends

Fiserv pays an annual dividend of $0.30 per share and has a dividend yield of 0.1%. Joint Stock Company Kaspi.kz pays an annual dividend of $6.86 per share and has a dividend yield of 6.3%. Fiserv pays out 5.8% of its earnings in the form of a dividend.

Earnings and Valuation

This table compares Fiserv and Joint Stock Company Kaspi.kz”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fiserv	$383.42 million	302.80	$3.07 billion	$5.20	39.24
Joint Stock Company Kaspi.kz	$4.19 billion	5.17	$1.85 billion	N/A	N/A

Fiserv has higher earnings, but lower revenue than Joint Stock Company Kaspi.kz.

Insider & Institutional Ownership

91.0% of Fiserv shares are owned by institutional investors. Comparatively, 0.1% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. 0.8% of Fiserv shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Fiserv	15.22%	17.10%	5.61%
Joint Stock Company Kaspi.kz	N/A	N/A	N/A

Analyst Ratings

This is a summary of recent ratings and recommmendations for Fiserv and Joint Stock Company Kaspi.kz, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fiserv	0	4	20	2	2.92
Joint Stock Company Kaspi.kz	0	0	5	0	3.00

Fiserv currently has a consensus price target of $215.25, suggesting a potential upside of 5.48%. Joint Stock Company Kaspi.kz has a consensus price target of $147.20, suggesting a potential upside of 35.44%. Given Joint Stock Company Kaspi.kz’s stronger consensus rating and higher possible upside, analysts plainly believe Joint Stock Company Kaspi.kz is more favorable than Fiserv.

Summary

Fiserv beats Joint Stock Company Kaspi.kz on 9 of the 14 factors compared between the two stocks.

About Fiserv

Fiserv, Inc., together with its subsidiaries, provides payments and financial services technology services in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through Merchant Acceptance, Financial Technology, and Payments and Network segments. The Merchant Acceptance segment provides merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Clover, a cloud based POS and integrated commerce operating system for small and mid-sized businesses and independent software vendors; and Carat, an integrated operating system for large businesses. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners in the form of joint venture alliances, revenue sharing alliances, and referral agreement. The Financial Technology segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, check processing, and other products and services. The Payments and Network segment offers card transactions, such as debit, credit, and prepaid card processing and services; funds access, debit payments, cardless ATM access, and surcharge-free ATM network; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves merchants, banks, credit unions, other financial institutions, and corporate clients. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.

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.