` Comparison: EPY, IRFC - Alpha Spread

EPY
vs
IRFC

Over the past 12 months, EPY has significantly outperformed IRFC, delivering a return of +2% compared to the IRFC's 29% drop.

Valuation Growth Profitability Solvency Stocks Performance
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EPY
IRFC
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Stocks Compared:
EPY IRFC
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Valuation Comparison

EPY Intrinsic Value
0.76 AUD
Undervaluation 72%
Intrinsic Value
Price
IRFC Intrinsic Value
124.73 INR
Undervaluation 10%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Earlypay Ltd
ASX:EPY
0.21 AUD
Indian Railway Finance Corp Ltd
NSE:IRFC
112.01 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
EPY, IRFC

EPY
IRFC
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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
Earlypay Ltd
Revenue
Indian Railway Finance Corp Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
EPY, IRFC

EPY
IRFC
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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
Earlypay Ltd
ASX:EPY
Indian Railway Finance Corp Ltd
NSE:IRFC
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What is Free Cash Flow?

Gross Margin

EPY
94.1%
IRFC
0%

Operating Margin

EPY
41.5%
IRFC
99.4%

Net Margin

EPY
5.6%
IRFC
25.5%

FCF Margin

EPY
17.3%
IRFC
13.2%

ROE

EPY
3.9%
IRFC
12.7%

ROA

EPY
0.9%
IRFC
1.4%

ROIC

EPY
5.2%
IRFC
5.5%

ROCE

EPY
13%
IRFC
5.3%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
EPY, IRFC

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Performance Gap
EPY, IRFC

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EPY
IRFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
EPY, IRFC

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