Apple Inc (AAPL)vsJoint Stock Company Kaspi.kz (KSPI)
AAPL
Apple Inc
$307.34
-1.52%
TECHNOLOGY · Cap: $4.63T
KSPI
Joint Stock Company Kaspi.kz
$81.17
-2.69%
TECHNOLOGY · Cap: $15.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Joint Stock Company Kaspi.kz generates 707% more annual revenue ($3.64T vs $451.44B). AAPL leads profitability with a 27.2% profit margin vs 24.9%. KSPI trades at a lower P/E of 7.3x. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
KSPI
Buy60
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 115 in profit
Strong operational efficiency at 32.3%
Generating 26.7B in free cash flow
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 39 in profit
Revenue surging 31.3% year-over-year
Generating 53.5B in free cash flow
Keeps 25 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 42.3x book value
Operating margin of 0.0%
Earnings declined 1.0%
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 27.2% and operating margin at 32.3%. Revenue growth of 16.6% 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 24.9%. Revenue growth of 31.3% 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 Operating Margin, EPS Growth.
Key Dynamics to Monitor
AAPL carries more volatility with a beta of 1.06 — expect wider price swings.
KSPI is growing revenue faster at 31.3% — sustainability is the question.
KSPI generates stronger free cash flow (53.5B), providing more financial flexibility.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AAPL scores higher overall (67/100 vs 60/100), backed by strong 27.2% margins and 16.6% 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, excelling in areas such as digital banking, e-commerce, and payment processing. The company leverages advanced technology to promote financial inclusion and deliver tailored services to millions of users. With its strategic positioning in a rapidly expanding market, Kaspi.kz is poised to capitalize on the surging demand for digital financial solutions in Central Asia, offering a promising investment opportunity for institutional investors seeking exposure to high-growth emerging markets.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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