Head-to-head · free
Joint Stock Company Kaspi.kz vs PennyMac Financial Services
KSPI vs PFSI — return on capital, cash generation, margins and balance sheet side by side.
KSPI
4 / 5
measures where KSPI leads
PFSI
1 / 5
measures where PFSI leads
A simple count of which company scores better on each measure — not a recommendation to buy or sell.
| Measure | KSPI | PFSI · FY2025 |
|---|---|---|
| Revenue | — | $20.1M |
| Net income | — | $501.1M |
| Revenue growth (yearly, multi-year) | — | 28.7% |
| Free cash flow | — | (1.7B) |
| Free cash flow margin | — | -8274.8% |
| Net cash / (debt) | — | — |
| ROIC | 42.8% | 1.9% |
| Return on equity | 53.5% | 12.3% |
| Gross margin | 47.4% | 59.3% |
| Operating margin | 32.6% | 12.5% |
| Net debt / EBITDA | -0.35x | 36.66x |
Figures are as reported by each company; latest fiscal year shown.
Where PennyMac Financial Services's cash went (FY2025)
- Capital spending
- $11.9M
- Buybacks
- —
- Dividends
- —
- Acquisitions
- —
- Net debt issued / (repaid)
- —
Ask which business is stronger
"Which one reinvests at higher returns?" "Who carries more risk in its filings?" Get answers drawn straight from both companies' filings.
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