KSPI vs UNM

Comparison between Kaspi.kz JSC (KSPI, Company) and Unum Group (UNM, Company).

KSPI is from the Technology sector, while UNM is from the Financial Services sector.

KSPI vs UNM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	KSPI(COMPANY)	UNM(COMPANY)
Market Cap	$15B	$15B
Max Drawdown	50.37%	83.30%
Sharpe Ratio	-0.01	0.74
5Y Beta	0.96	0.73
Industry	Software - Infrastructure	Insurance - Life
P/E Ratio	7.37	19.56
Forward P/E	N/A	8.22
PEG Ratio	N/A	1.03
Dividend Yield	4.46%	1.50%
5Y Dividends CAGR	N/A	14.67%
5Y EPS CAGR	N/A	11.95%
Debt to Equity	N/A	0.00%
Free Cash Flow Yield	9.27%	3.62%
P/S Ratio	1.72	1.10
P/B Ratio	2.72	1.33

Market Cap

Winner

KSPI

$15B

UNM

$15B

Max Drawdown

Winner

KSPI

50.37%

UNM

83.30%

Sharpe Ratio

KSPI

-0.01

Winner

UNM

0.74

5Y Beta

KSPI

0.96

Winner

UNM

0.73

Industry

KSPI

Software - Infrastructure

UNM

Insurance - Life

P/E Ratio

Winner

KSPI

7.37

UNM

19.56

Forward P/E

KSPI

N/A

UNM

8.22

PEG Ratio

KSPI

N/A

UNM

1.03

Dividend Yield

Winner

KSPI

4.46%

UNM

1.50%

5Y Dividends CAGR

KSPI

N/A

UNM

14.67%

5Y EPS CAGR

KSPI

N/A

UNM

11.95%

Debt to Equity

KSPI

N/A

UNM

0.00%

Free Cash Flow Yield

Winner

KSPI

9.27%

UNM

3.62%

P/S Ratio

KSPI

1.72

Winner

UNM

1.10

P/B Ratio

KSPI

2.72

Winner

UNM

1.33

KSPI vs UNM - Historical Returns

Returns include dividend reinvestment.

Period	KSPI	UNM
1 month	-4.60%	+14.26%
3 months	+18.38%	+28.33%
6 months	+9.81%	+21.69%
1 year	-4.57%	+19.81%
5 years(CAGR)	N/A	+28.90%
10 years(CAGR)	N/A	+14.10%
Max(CAGR)	-1.51%	+6.73%

KSPI

-4.60%

Winner

UNM

+14.26%

KSPI

+18.38%

Winner

UNM

+28.33%

KSPI

+9.81%

Winner

UNM

+21.69%

KSPI

-4.57%

Winner

UNM

+19.81%

5Y(CAGR)

KSPI

N/A

UNM

+28.90%

10Y(CAGR)

KSPI

N/A

UNM

+14.10%

Max(CAGR)

KSPI

-1.51%

Winner

UNM

+6.73%

KSPI vs UNM - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	KSPI	UNM
2026	+8.57%	+21.51%
2025	-21.56%	+8.70%
2024	+8.47%	+64.57%
2023	N/A	+15.86%
2022	N/A	+68.61%
2021	N/A	+16.16%
2020	N/A	-17.67%
2019	N/A	+0.31%
2018	N/A	-45.20%
2017	N/A	+26.17%
2016	N/A	+37.36%
2015	N/A	-2.19%
2014	N/A	+3.48%
2013	N/A	+66.69%
2012	N/A	-1.07%
2011	N/A	-13.80%
2010	N/A	+23.35%
2009	N/A	+7.88%
2008	N/A	-19.23%
2007	N/A	+15.94%
2006	N/A	-8.85%
2005	N/A	+32.04%
2004	N/A	+13.71%
2003	N/A	-11.11%
2002	N/A	-32.10%
2001	N/A	+6.71%
2000	N/A	-9.50%
1999	N/A	+2.63%

KSPI vs UNM Drawdown Comparison

The maximum drawdown for KSPI was -48.04%, occurring on Mar 13, 2026. This drawdown has not yet recovered.

The maximum drawdown for UNM was -81.88%, occurring on Mar 11, 2003. Recovery took 3347 trading sessions.

The current KSPI drawdown is -36.46%.

Rank	KSPI	UNM
#1	-48.04% Jul 18, 2024 - Mar 13, 2026	-81.88% Nov 19, 1999 - Mar 14, 2013
#2	-14.94% Apr 3, 2024 - Jun 12, 2024	-81.07% Jan 12, 2018 - Jun 29, 2023
#3	-9.33% Jan 19, 2024 - Feb 20, 2024	-34.97% Jul 29, 2015 - May 27, 2016
#4	-5.86% Jun 26, 2024 - Jul 16, 2024	-18.77% May 31, 2016 - Oct 12, 2016
#5	-3.63% Mar 6, 2024 - Mar 12, 2024	-17.95% Oct 17, 2023 - Mar 7, 2024
#6	-2.15% Mar 4, 2024 - Mar 6, 2024	-16.84% Mar 24, 2025 - Apr 29, 2026
#7	-1.95% Jun 12, 2024 - Jun 21, 2024	-14.79% Sep 2, 2014 - Jun 10, 2015
#8	-1.93% Mar 14, 2024 - Mar 19, 2024	-12.26% Dec 26, 2013 - Mar 4, 2014
#9	-1.31% Jul 16, 2024 - Jul 18, 2024	-11.78% Mar 1, 2017 - Jul 28, 2017
#10	-0.90% Mar 22, 2024 - Mar 26, 2024	-11.16% Aug 1, 2013 - Nov 8, 2013
#11	-0.71% Feb 27, 2024 - Mar 1, 2024	-10.05% Apr 3, 2024 - Jul 17, 2024
#12	-0.42% Feb 20, 2024 - Feb 23, 2024	-9.58% Mar 10, 2014 - Aug 26, 2014
#13	-0.14% Feb 23, 2024 - Feb 27, 2024	-8.60% Aug 4, 2017 - Sep 27, 2017
#14	N/A	-8.51% Nov 27, 2024 - Jan 29, 2025
#15	N/A	-8.42% Mar 28, 2013 - May 8, 2013

Correlation

Correlation between KSPI and UNM is -0.61 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.61

-101

Dividend Comparison (1999 - 2026)

KSPI vs UNM dividend yield comparison.

Year	KSPI	UNM
2026	4.42%	0.99%
2025	0.00%	2.27%
2024	11.56%	2.15%
2023	0.00%	3.07%
2022	0.00%	3.07%
2021	0.00%	4.76%
2020	0.00%	4.97%
2019	0.00%	3.74%
2018	0.00%	3.34%
2017	0.00%	1.57%
2016	0.00%	1.75%
2015	0.00%	2.10%
2014	0.00%	1.78%
2013	0.00%	1.57%
2012	0.00%	2.26%
2011	0.00%	1.87%
2010	0.00%	1.45%
2009	0.00%	1.61%
2008	0.00%	1.61%
2007	0.00%	1.26%
2006	0.00%	1.44%
2005	0.00%	1.32%
2004	0.00%	1.67%
2003	0.00%	2.36%
2002	0.00%	3.36%
2001	0.00%	2.23%
2000	0.00%	2.19%
1999	0.00%	0.46%