Apple Inc (AAPL)vsJoint Stock Company Kaspi.kz (KSPI)
AAPL
Apple Inc
$271.35
+0.44%
TECHNOLOGY · Cap: $3.98T
KSPI
Joint Stock Company Kaspi.kz
$85.90
0.00%
TECHNOLOGY · Cap: $16.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Joint Stock Company Kaspi.kz generates 736% more annual revenue ($3.64T vs $435.62B). AAPL leads profitability with a 27.0% profit margin vs 26.5%. KSPI trades at a lower P/E of 7.1x. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
KSPI
Buy57
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 152 in profit
Strong operational efficiency at 35.4%
Generating 51.6B in free cash flow
Keeps 27 of every $100 in revenue as profit
15.7% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 51 in profit
Revenue surging 52.0% year-over-year
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.2x book value
Operating margin of 0.0%
Earnings declined 9.5%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AAPL
The strongest argument for AAPL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 27.0% and operating margin at 35.4%. Revenue growth of 15.7% demonstrates continued momentum.
Bull Case : KSPI
The strongest argument for KSPI centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 26.5%. Revenue growth of 52.0% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : KSPI
The primary concerns for KSPI are Operating Margin, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
AAPL carries more volatility with a beta of 1.11 — expect wider price swings.
KSPI is growing revenue faster at 52.0% — sustainability is the question.
AAPL generates stronger free cash flow (51.6B), providing more financial flexibility.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AAPL scores higher overall (65/100 vs 57/100), backed by strong 27.0% margins and 15.7% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Apple Inc
TECHNOLOGY · CONSUMER ELECTRONICS · USA
Apple Inc. is an American multinational technology company that specializes in consumer electronics, computer software, and online services. Apple is the world's largest technology company by revenue (totalling $274.5 billion in 2020) and, since January 2021, the world's most valuable company. As of 2021, Apple is the world's fourth-largest PC vendor by unit sales, and fourth-largest smartphone manufacturer. It is one of the Big Five American information technology companies, along with Amazon, Google, Microsoft, and Facebook.
Visit Website →Joint Stock Company Kaspi.kz
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Joint Stock Company Kaspi.kz is a prominent fintech and digital services leader in Kazakhstan, renowned for its extensive offerings in digital banking, e-commerce, and payment processing solutions. By utilizing cutting-edge technology, the company enhances financial inclusion, effectively serving millions of customers with personalized services. Positioned strategically in a rapidly growing market, Kaspi.kz is well-equipped to address the increasing demand for digital financial services in Central Asia, presenting a compelling investment opportunity for institutional investors aiming to tap into the growth potential of emerging markets.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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