` Comparison: BOQ, PNC - Alpha Spread

BOQ
vs
PNC

Over the past 12 months, BOQ has underperformed PNC, delivering a return of -4% compared to the PNC's +12% growth.

Valuation Growth Profitability Solvency Stocks Performance
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BOQ
PNC
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Stocks Compared:
BOQ PNC
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Valuation Comparison

BOQ Intrinsic Value
8.41 AUD
Undervaluation 23%
Intrinsic Value
Price
PNC Intrinsic Value
232.976 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Bank of Queensland Ltd
ASX:BOQ
6.45 AUD
PNC Financial Services Group Inc
NYSE:PNC
211.915 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
BOQ, PNC

BOQ
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
Bank of Queensland 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
BOQ, PNC

BOQ
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
Bank of Queensland Ltd
ASX:BOQ
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

BOQ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Queensland Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

BOQ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Queensland Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

BOQ
7.9%
PNC
27.3%

FCF Margin

BOQ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Queensland Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

BOQ
2.2%
PNC
10.7%

ROA

BOQ
0.1%
PNC
1.1%

ROIC

BOQ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Queensland Ltd
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

BOQ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Queensland 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
BOQ, PNC

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BOQ
PNC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
BOQ, PNC

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BOQ
PNC
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
BOQ, PNC

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PNC
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