Usio (NASDAQ:USIO – Get Free Report) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) are both business services companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, analyst recommendations, institutional ownership, risk, profitability, earnings and valuation.
Insider and Institutional Ownership
20.2% of Usio shares are owned by institutional investors. Comparatively, 32.2% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. 17.8% of Usio shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Volatility and Risk
Usio has a beta of 1.32, indicating that its stock price is 32% more volatile than the S&P 500. Comparatively, Joint Stock Company Kaspi.kz has a beta of 0.66, indicating that its stock price is 34% less volatile than the S&P 500.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Usio | 3 | 0 | 1 | 0 | 1.50 |
| Joint Stock Company Kaspi.kz | 1 | 3 | 1 | 0 | 2.00 |
Usio presently has a consensus target price of $4.00, suggesting a potential upside of 227.87%. Joint Stock Company Kaspi.kz has a consensus target price of $96.67, suggesting a potential upside of 13.85%. Given Usio’s higher possible upside, equities research analysts clearly believe Usio is more favorable than Joint Stock Company Kaspi.kz.
Profitability
This table compares Usio and Joint Stock Company Kaspi.kz’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Usio | -2.94% | -13.52% | -2.22% |
| Joint Stock Company Kaspi.kz | 26.59% | 48.73% | 10.45% |
Earnings and Valuation
This table compares Usio 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 | |
| Usio | $85.39 million | 0.40 | -$2.51 million | ($0.09) | -13.56 |
| Joint Stock Company Kaspi.kz | $7.70 billion | 2.20 | $2.04 billion | $10.80 | 7.86 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than Usio. Usio is trading at a lower price-to-earnings ratio than Joint Stock Company Kaspi.kz, indicating that it is currently the more affordable of the two stocks.
Summary
Joint Stock Company Kaspi.kz beats Usio on 10 of the 13 factors compared between the two stocks.
About Usio
Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. Further, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.
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.
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