Apple Inc. (AAPL)vsJoint Stock Company Kaspi.kz (KSPI)
AAPL
Apple Inc.
$332.27
+0.24%
TECHNOLOGY · Cap: $4.85T
KSPI
Joint Stock Company Kaspi.kz
$99.89
+2.82%
TECHNOLOGY · Cap: $19.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Joint Stock Company Kaspi.kz generates 680% more annual revenue ($3.64T vs $466.82B). AAPL leads profitability with a 27.6% profit margin vs 24.1%. KSPI trades at a lower P/E of 8.4x. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
KSPI
Buy53
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 120 in profit
Strong operational efficiency at 32.6%
Generating 31.9B in free cash flow
Keeps 28 of every $100 in revenue as profit
16.4% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 39 in profit
Generating 655.0B in free cash flow
Keeps 24 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 45.1x book value
0.2% earnings growth
Operating margin of 0.0%
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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% 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 24.1%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : KSPI
The primary concerns for KSPI are EPS Growth, Operating Margin.
Key Dynamics to Monitor
AAPL profiles as a growth stock while KSPI is a mature play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.08 — expect wider price swings.
AAPL is growing revenue faster at 16.4% — sustainability is the question.
KSPI generates stronger free cash flow (655.0B), providing more financial flexibility.
Bottom Line
AAPL scores higher overall (67/100 vs 53/100), backed by strong 27.6% margins and 16.4% revenue growth. Both earn "Strong 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 leading fintech and digital services provider in Kazakhstan, specializing in digital banking, e-commerce, and payment processing solutions. Leveraging advanced technology, the company is committed to enhancing financial inclusion and delivering tailored services to millions of users in the region. Its strategic positioning within a rapidly growing market and the increasing demand for innovative financial solutions in Central Asia make Kaspi.kz a compelling investment opportunity for institutional investors seeking to tap into high-growth emerging markets.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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