` Comparison: B4P vs DFS - Alpha Spread
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B
B4P
vs
DFS

Over the past 12 months, B4P has outperformed DFS, delivering a return of +22% compared to the DFS's +4% growth.

Valuation Growth Profitability Solvency Stocks Performance
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B4P
DFS
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Stocks Compared:
B4P DFS
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Valuation Comparison

B4P Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Beforepay Group Ltd
ASX:B4P
1.525 AUD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
B4P, DFS

B4P
DFS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
B
Beforepay Group Ltd
Revenue
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Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
B4P, DFS

B4P
DFS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
B
Beforepay Group Ltd
ASX:B4P
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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Gross Margin

B4P
96.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
B
Beforepay Group Ltd
Discover Financial Services
Not applicable for financial companies

Operating Margin

B4P
27.3%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
B
Beforepay Group Ltd
Discover Financial Services
Not applicable for financial companies

Net Margin

B4P
16.7%
DFS
24.9%

FCF Margin

B4P
11.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
B
Beforepay Group Ltd
Discover Financial Services
Not applicable for financial companies

ROE

B4P
19.3%
DFS
32.8%

ROA

B4P
9%
DFS
3.7%

ROIC

B4P
24.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
B
Beforepay Group Ltd
Discover Financial Services
Not applicable for financial companies

ROCE

B4P
15.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
B
Beforepay Group Ltd
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

B
Beforepay Group Ltd
Equity Waterfall
Assets
Liabilities
Equity
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Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
B4P, DFS

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B4P
DFS
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Performance Gap
B4P, DFS

Performance Gap Between B4P and DFS
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Performance By Year
B4P, DFS

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B4P
DFS
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