` Comparison: HUM vs COF - Alpha Spread

HUM
vs
COF

Over the past 12 months, HUM has outperformed COF, delivering a return of +21% compared to the COF's +6% growth.

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HUM
COF
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Stocks Compared:
HUM COF
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Valuation Comparison

HUM Intrinsic Value
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COF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Humm Group Ltd
ASX:HUM
0.745 AUD
Capital One Financial Corp
NYSE:COF
215.235 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
HUM, COF

HUM
COF
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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
Humm Group Ltd
Revenue
Capital One Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
HUM, COF

HUM
COF
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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
Humm Group Ltd
ASX:HUM
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HUM
49.6%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Humm Group Ltd
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

HUM
8.4%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Humm Group Ltd
Capital One Financial Corp
Not applicable for financial companies

Net Margin

HUM
5.1%
COF
4.1%

FCF Margin

HUM
23.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Humm Group Ltd
Capital One Financial Corp
Not applicable for financial companies

ROE

HUM
6.3%
COF
2.5%

ROA

HUM
0.6%
COF
0.4%

ROIC

HUM
0.9%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Humm Group Ltd
Capital One Financial Corp
Not applicable for financial companies

ROCE

HUM
1%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Humm Group Ltd
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HUM, COF

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HUM
COF
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Performance Gap
HUM, COF

Performance Gap Between HUM and COF
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Performance By Year
HUM, COF

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HUM
COF
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