Joint Stock Kaspi.kz American Depository Shares (KSPI) vs Toast (TOST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Joint Stock Kaspi.kz American Depository Shares (KSPI) has outperformed Toast (TOST) over the past year, gaining 20.2% versus a loss of 16.8%. Toast is the larger company by market cap ($17.65 billion vs $17.64 billion), about 1.0 times the size. On valuation, Joint Stock Kaspi.kz American Depository Shares trades at a lower forward P/E (0.0x vs 17.6x for Toast).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | KSPI | TOST |
|---|---|---|
| Share price | $92.83 | $30.53 |
| Market cap | $17.64B | $17.65B |
| 1-day change | +1.04% | -0.07% |
| YTD return | +18.81% | -14.02% |
| 1-year return | +20.18% | -16.81% |
| 5-year return | — | -45.69% |
| P/E ratio (TTM) | 8.51 | 38.65 |
| Forward P/E | 0.01 | 17.60 |
| EPS (TTM) | $10.91 | $0.79 |
| Dividend yield | 6.18% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | — | $6.15B |
| Revenue growth (YoY) | — | +24.05% |
| Net income (latest FY) | — | $342.00M |
| Gross margin | — | 25.89% |
| Operating margin | — | 4.75% |
| Net margin | — | 5.56% |
| 52-week high | $109.94 | $39.73 |
| 52-week low | $68.59 | $22.26 |
| Distance from 52-week high | -15.56% | -23.15% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +16.22% | +27.48% |
| Average volume | 540.43K | 9.11M |
| Shares outstanding | 190.03M | 514.00M |
| Employees | 14,008 | 6,500 |
| Sector | Technology | Technology |
| Industry | Software - Infrastructure | Software - Infrastructure |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- KSPI has outperformed TOST by 37.0 percentage points over the past year.
- Toast trades at a higher earnings multiple (38.6x vs 8.5x trailing P/E).
- Joint Stock Kaspi.kz American Depository Shares offers a meaningfully higher dividend yield (6.18% vs 0.00%).
About Joint Stock Kaspi.kz American Depository Shares
KSPI stock →Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in Kazakhstan, Azerbaijan, and Ukraine. The company operates through three segments: Payments, Marketplace, and Fintech.
Technology · Software - Infrastructure · 14,008 employees
About Toast
TOST stock →Toast, Inc. operates a cloud-based digital technology platform for the restaurant industry in the United States, Ireland, India, and internationally.
Technology · Software - Infrastructure · 6,500 employees
KSPI vs TOST FAQ
Which is bigger, Joint Stock Kaspi.kz American Depository Shares or Toast?
Toast (TOST) is larger, with a market capitalization of $17.65B compared with $17.64B for Joint Stock Kaspi.kz American Depository Shares (KSPI).
Which stock has performed better over the past year, KSPI or TOST?
KSPI returned +20.18% over the past 12 months, compared with -16.81% for TOST (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, KSPI or TOST?
KSPI has the lower trailing P/E at 8.5, versus 38.6 for TOST. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Joint Stock Kaspi.kz American Depository Shares or Toast?
Joint Stock Kaspi.kz American Depository Shares pays a dividend yielding 6.18%, while Toast does not currently pay a regular dividend.
Are Joint Stock Kaspi.kz American Depository Shares and Toast in the same industry?
Yes. Both are classified in the Software - Infrastructure industry within the Technology sector.