` Comparison: CCR, SPNS - Alpha Spread

CCR
vs
SPNS

Over the past 12 months, CCR has underperformed SPNS, delivering a return of -17% compared to the SPNS's +50 775% growth.

Valuation Growth Profitability Solvency Stocks Performance
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CCR
SPNS
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Stocks Compared:
CCR SPNS
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Valuation Comparison

CCR Intrinsic Value
0.41 AUD
Undervaluation 34%
Intrinsic Value
Price
SPNS Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Credit Clear Ltd
ASX:CCR
0.27 AUD
Sapiens International Corporation NV
NASDAQ:SPNS
13 950 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
CCR, SPNS

CCR
SPNS
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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
Credit Clear Ltd
Revenue
Sapiens International Corporation NV
Revenue

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

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Profitability Comparison

Free Cash Flow
CCR, SPNS

CCR
SPNS
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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
Credit Clear Ltd
ASX:CCR
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

CCR
0%
SPNS
44.3%

Operating Margin

CCR
-4.6%
SPNS
13.7%

Net Margin

CCR
7.6%
SPNS
11.4%

FCF Margin

CCR
1.6%
SPNS
12.5%

ROE

CCR
5.7%
SPNS
13.1%

ROA

CCR
4.3%
SPNS
9%

ROIC

CCR
6.3%
SPNS
10.9%

ROCE

CCR
-3.3%
SPNS
13.9%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CCR, SPNS

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Performance Gap
CCR, SPNS

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CCR
SPNS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
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