Analyzing Joint Stock Company Kaspi.kz (NASDAQ:KSPI) & Zhihu (NYSE:ZH)

Zhihu (NYSE:ZH) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI) are both computer and technology companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, earnings, risk and dividends.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Zhihu and Joint Stock Company Kaspi.kz, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Zhihu	0	0	1	0	3.00
Joint Stock Company Kaspi.kz	0	0	5	0	3.00

Zhihu presently has a consensus price target of $5.40, indicating a potential upside of 56.52%. Joint Stock Company Kaspi.kz has a consensus price target of $156.40, indicating a potential upside of 38.53%. Given Zhihu’s higher probable upside, equities analysts clearly believe Zhihu is more favorable than Joint Stock Company Kaspi.kz.

Earnings and Valuation

This table compares Zhihu and Joint Stock Company Kaspi.kz”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Zhihu	$4.06 billion	0.08	-$118.82 million	($0.90)	-3.83
Joint Stock Company Kaspi.kz	$4.19 billion	5.37	$1.85 billion	N/A	N/A

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

Insider & Institutional Ownership

28.9% of Zhihu shares are held by institutional investors. Comparatively, 0.1% of Joint Stock Company Kaspi.kz shares are held by institutional investors. 13.6% of Zhihu shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Zhihu	-15.49%	-13.51%	-9.48%
Joint Stock Company Kaspi.kz	N/A	N/A	N/A

Summary

Joint Stock Company Kaspi.kz beats Zhihu on 7 of the 10 factors compared between the two stocks.

About Zhihu

Zhihu Inc. operates an online content community in the People’s Republic of China. Its community allows people to seek inspiration, find solutions, make decisions, and have fun. The company offers technology, business support, and consulting services; information transmission, software, and information technology services. It also offers information and marketing services; vocational training; and internet services, as well as holds audio-visual permit. Zhihu Inc. was founded in 2010 and is headquartered in Beijing, the People’s Republic of China.

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.