` Comparison: BEN vs PNC - Alpha Spread

BEN
vs
PNC

Over the past 12 months, BEN has underperformed PNC, delivering a return of 0% compared to the PNC's +16% growth.

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BEN
PNC
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Valuation Comparison

BEN Intrinsic Value
11.92 AUD
Undervaluation 10%
Intrinsic Value
Price
PNC Intrinsic Value
255.55 USD
Undervaluation 13%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Bendigo and Adelaide Bank Ltd
ASX:BEN
10.7 AUD
PNC Financial Services Group Inc
NYSE:PNC
223.24 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BEN, PNC

BEN
PNC
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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
Bendigo and Adelaide Bank Ltd
Revenue
PNC Financial Services Group Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
BEN, PNC

BEN
PNC
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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
Bendigo and Adelaide Bank Ltd
ASX:BEN
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BEN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bendigo and Adelaide Bank Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

BEN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bendigo and Adelaide Bank Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

BEN
-4.1%
PNC
28.5%

FCF Margin

BEN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bendigo and Adelaide Bank Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

BEN
-1.2%
PNC
11.6%

ROA

BEN
-0.1%
PNC
1.2%

ROIC

BEN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bendigo and Adelaide Bank Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

BEN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bendigo and Adelaide Bank Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BEN, PNC

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Performance Gap
BEN, PNC

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BEN
PNC
Difference
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Performance By Year
BEN, PNC

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BEN
PNC
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Compare BEN to other stocks
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FITB
Fifth Third Bancorp
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MTB
M&T Bank Corp
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vs BEN
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett