` Comparison: PGL vs DFS - Alpha Spread

PGL
vs
DFS

Over the past 12 months, PGL has underperformed DFS, delivering a return of 0% compared to the DFS's +4% growth.

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PGL
DFS
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Valuation Comparison

PGL Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Prospa Group Ltd
ASX:PGL
0.445 AUD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PGL, DFS

PGL
DFS
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Revenue
www.alphaspread.com
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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
Prospa Group Ltd
Revenue
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Revenue

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

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Profitability Comparison

Free Cash Flow
PGL, DFS

PGL
DFS
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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
Prospa Group Ltd
ASX:PGL
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PGL
75.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Prospa Group Ltd
Discover Financial Services
Not applicable for financial companies

Operating Margin

PGL
-16.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Prospa Group Ltd
Discover Financial Services
Not applicable for financial companies

Net Margin

PGL
-11.9%
DFS
24.9%

FCF Margin

PGL
22%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Prospa Group Ltd
Discover Financial Services
Not applicable for financial companies

ROE

PGL
-28.6%
DFS
32.8%

ROA

PGL
-3.6%
DFS
3.7%

ROIC

PGL
-3.7%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Prospa Group Ltd
Discover Financial Services
Not applicable for financial companies

ROCE

PGL
-5.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Prospa Group Ltd
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PGL, DFS

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Performance Gap
PGL, DFS

Performance Gap Between PGL and DFS
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Performance By Year
PGL, DFS

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PGL
DFS
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