International Money Express (NASDAQ:IMXI – Get Free Report) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) are both business services companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, earnings, analyst recommendations, institutional ownership and profitability.
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for International Money Express and Joint Stock Company Kaspi.kz, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| International Money Express | 1 | 2 | 0 | 0 | 1.67 |
| Joint Stock Company Kaspi.kz | 0 | 4 | 1 | 0 | 2.20 |
Joint Stock Company Kaspi.kz has a consensus price target of $96.67, suggesting a potential upside of 5.23%. Given Joint Stock Company Kaspi.kz’s stronger consensus rating and higher probable upside, analysts clearly believe Joint Stock Company Kaspi.kz is more favorable than International Money Express.
Institutional and Insider Ownership
Risk & Volatility
International Money Express has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500. Comparatively, Joint Stock Company Kaspi.kz has a beta of 0.98, suggesting that its share price is 2% less volatile than the S&P 500.
Profitability
This table compares International Money Express and Joint Stock Company Kaspi.kz’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| International Money Express | 4.34% | 23.26% | 6.88% |
| Joint Stock Company Kaspi.kz | 24.89% | 43.80% | 10.03% |
Earnings and Valuation
This table compares International Money Express and Joint Stock Company Kaspi.kz”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| International Money Express | $607.78 million | 0.75 | $32.67 million | $0.85 | 17.94 |
| Joint Stock Company Kaspi.kz | $7.70 billion | 2.27 | $2.04 billion | $10.84 | 8.47 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than International Money Express. Joint Stock Company Kaspi.kz is trading at a lower price-to-earnings ratio than International Money Express, indicating that it is currently the more affordable of the two stocks.
Summary
Joint Stock Company Kaspi.kz beats International Money Express on 11 of the 14 factors compared between the two stocks.
About International Money Express
International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.
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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