Financial Analysis: Joint Stock Company Kaspi.kz (NASDAQ:KSPI) and Lyft (NASDAQ:LYFT)

Lyft (NASDAQ:LYFT) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI) are both computer and technology companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, risk, valuation and profitability.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Lyft and Joint Stock Company Kaspi.kz, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lyft	0	28	9	1	2.29
Joint Stock Company Kaspi.kz	0	0	5	0	3.00

Lyft currently has a consensus price target of $17.48, suggesting a potential downside of 3.51%. Joint Stock Company Kaspi.kz has a consensus price target of $156.40, suggesting a potential upside of 42.21%. Given Joint Stock Company Kaspi.kz’s stronger consensus rating and higher probable upside, analysts plainly believe Joint Stock Company Kaspi.kz is more favorable than Lyft.

Profitability

This table compares Lyft and Joint Stock Company Kaspi.kz’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Lyft	-1.19%	-1.58%	-0.18%
Joint Stock Company Kaspi.kz	N/A	N/A	N/A

Earnings and Valuation

This table compares Lyft 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
Lyft	$4.40 billion	1.69	-$340.32 million	($0.16)	-113.25
Joint Stock Company Kaspi.kz	$4.19 billion	5.23	$1.85 billion	N/A	N/A

Joint Stock Company Kaspi.kz has lower revenue, but higher earnings than Lyft.

Insider and Institutional Ownership

83.1% of Lyft shares are owned by institutional investors. Comparatively, 0.1% of Joint Stock Company Kaspi.kz shares are owned by institutional investors. 3.1% of Lyft shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

Joint Stock Company Kaspi.kz beats Lyft on 7 of the 12 factors compared between the two stocks.

About Lyft

Lyft, Inc. operates a peer-to-peer marketplace for on-demand ridesharing in the United States and Canada. It operates multimodal transportation networks that offer access to various transportation options through the Lyft platform and mobile-based applications. The company's platform provides a ridesharing marketplace, which connects drivers with riders; Express Drive, a car rental program for drivers; and a network of shared bikes and scooters in various cities to address the needs of riders for short trips. It also offers centralized tools and enterprise transportation solutions, such as concierge transportation solutions for organizations; Lyft Pink subscription plans; Lyft Pass commuter programs; first-mile and last-mile services; and university safe rides programs. The company was formerly known as Zimride, Inc. and changed its name to Lyft, Inc. in April 2013. Lyft, Inc. was incorporated in 2007 and is headquartered in San Francisco, California.

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.