Head-To-Head Contrast: Accolade (NASDAQ:ACCD) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI)

Accolade (NASDAQ:ACCD) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI) are both business services companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, institutional ownership, earnings, dividends, analyst recommendations, valuation and profitability.

Risk & Volatility

Accolade has a beta of 2.18, indicating that its stock price is 118% more volatile than the S&P 500. Comparatively, Joint Stock Company Kaspi.kz has a beta of 1.28, indicating that its stock price is 28% more volatile than the S&P 500.

Earnings & Valuation

This table compares Accolade and Joint Stock Company Kaspi.kz”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Accolade	$446.72 million	1.29	-$99.81 million	($2.25)	-3.12
Joint Stock Company Kaspi.kz	$2,520.93 billion	0.01	$1.85 billion	$10.36	9.17

Joint Stock Company Kaspi.kz has higher revenue and earnings than Accolade. Accolade 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.

Insider and Institutional Ownership

85.0% of Accolade shares are held by institutional investors. Comparatively, 32.2% of Joint Stock Company Kaspi.kz shares are held by institutional investors. 8.2% of Accolade shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of current ratings and price targets for Accolade and Joint Stock Company Kaspi.kz, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Accolade	0	13	1	0	2.07
Joint Stock Company Kaspi.kz	0	0	3	0	3.00

Accolade presently has a consensus price target of $6.51, indicating a potential downside of 7.18%. Joint Stock Company Kaspi.kz has a consensus price target of $150.67, indicating a potential upside of 58.63%. 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 Accolade.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Accolade	-40.36%	-20.74%	-11.33%
Joint Stock Company Kaspi.kz	N/A	N/A	N/A

Summary

Joint Stock Company Kaspi.kz beats Accolade on 10 of the 14 factors compared between the two stocks.

About Accolade

Accolade, Inc., together with its subsidiaries, engages in the development and provision of personalized and technology-enabled solutions that help people to understand, navigate, and utilize the healthcare system and their workplace benefits in the United States. The company offers a platform with cloud-based intelligent technology and multimodal support from a team of advocates and clinicians, including registered nurses, physician medical directors, pharmacists, behavioral health specialists, women’s health specialists, case management specialists, expert medical opinion providers, and primary care physicians. It also provides medical opinion services to commercial customers; and navigation, care, and advocacy solutions. In addition, the company offers medical consultations that connect patients to qualified condition-specific specialists for adult and pediatric care; and primary care and mental health support solutions. It serves employers who provide employees and their families a single place to turn for their health, healthcare, and benefits needs. The company was incorporated in 2007 and is headquartered in Seattle, Washington.

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.