Regional Management (NYSE:RM – Get Free Report) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, risk, analyst recommendations, valuation, dividends and profitability.
Earnings and Valuation
This table compares Regional Management 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 | |
| Regional Management | $645.60 million | 0.48 | $44.41 million | $4.94 | 7.00 |
| Joint Stock Company Kaspi.kz | $7.70 billion | 2.19 | $2.04 billion | $10.98 | 8.07 |
Joint Stock Company Kaspi.kz has higher revenue and earnings than Regional Management. Regional Management 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.
Dividends
Regional Management pays an annual dividend of $1.20 per share and has a dividend yield of 3.5%. Joint Stock Company Kaspi.kz pays an annual dividend of $8.58 per share and has a dividend yield of 9.7%. Regional Management pays out 24.3% of its earnings in the form of a dividend. Joint Stock Company Kaspi.kz pays out 78.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Analyst Ratings
This is a summary of current ratings and price targets for Regional Management and Joint Stock Company Kaspi.kz, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Regional Management | 0 | 2 | 3 | 0 | 2.60 |
| Joint Stock Company Kaspi.kz | 0 | 4 | 1 | 0 | 2.20 |
Regional Management presently has a consensus target price of $41.50, suggesting a potential upside of 19.96%. Joint Stock Company Kaspi.kz has a consensus target price of $105.33, suggesting a potential upside of 18.83%. Given Regional Management’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Regional Management is more favorable than Joint Stock Company Kaspi.kz.
Profitability
This table compares Regional Management and Joint Stock Company Kaspi.kz’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Regional Management | 6.96% | 12.61% | 2.23% |
| Joint Stock Company Kaspi.kz | 24.00% | 40.69% | 9.54% |
Insider and Institutional Ownership
98.9% of Regional Management shares are owned by institutional investors. Comparatively, 32.2% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. 10.9% of Regional Management shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Volatility & Risk
Regional Management has a beta of 1.08, meaning that its stock price is 8% more volatile than the S&P 500. Comparatively, Joint Stock Company Kaspi.kz has a beta of 1.07, meaning that its stock price is 7% more volatile than the S&P 500.
Summary
Joint Stock Company Kaspi.kz beats Regional Management on 9 of the 16 factors compared between the two stocks.
About Regional Management
Regional Management Corp. is a consumer finance company that provides installment loans through its Regional Finance branch network. Its offerings include small-, medium- and large-sized loans, with terms and loan structures tailored to customers’ needs. The company serves consumers who may have limited access to credit from traditional lenders, including borrowers with non-prime credit profiles. It also offers optional insurance and other related products in connection with its lending services.
About Joint Stock Company Kaspi.kz
Joint Stock Company Kaspi.kz is a Kazakhstan-based technology and financial services company that operates a digital ecosystem through its Kaspi.kz super app. Its services connect consumers, merchants and financial institutions across everyday shopping and financial activities. The company’s offerings include an online marketplace, digital payments and financial products such as consumer loans, deposits and merchant services. It also provides services such as travel booking through its platform.
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