` Comparison: PNC, 8421 - Alpha Spread

PNC
vs
8421

Over the past 12 months, PNC has significantly outperformed Shinkin Central Bank, delivering a return of +20% compared to the Shinkin Central Bank's 13% drop.

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PNC
8421
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Stocks Compared:
PNC 8421
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Valuation Comparison

PNC Intrinsic Value
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Shinkin Central Bank Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pioneer Credit Ltd
ASX:PNC
0.65 AUD
Shinkin Central Bank
TSE:8421
188 100 JPY
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PNC, 8421

PNC
8421
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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
Pioneer Credit Ltd
Revenue
Shinkin Central Bank
Revenue

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

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Profitability Comparison

Free Cash Flow
PNC, 8421

PNC
8421
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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
Pioneer Credit Ltd
ASX:PNC
Shinkin Central Bank
TSE:8421
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PNC
0%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Credit Ltd
Shinkin Central Bank
Not applicable for financial companies

Operating Margin

PNC
48%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Credit Ltd
Shinkin Central Bank
Not applicable for financial companies

Net Margin

PNC
7.1%
Shinkin Central Bank
20.5%

FCF Margin

PNC
-13.7%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Credit Ltd
Shinkin Central Bank
Not applicable for financial companies

ROE

PNC
12.7%
Shinkin Central Bank
1.9%

ROA

PNC
1.8%
Shinkin Central Bank
0.1%

ROIC

PNC
19%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Credit Ltd
Shinkin Central Bank
Not applicable for financial companies

ROCE

PNC
20.5%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Credit Ltd
Shinkin Central Bank
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PNC, 8421

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PNC
8421
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PNC, 8421

Performance Gap Between PNC and 8421
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Performance By Year
PNC, 8421

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PNC
8421
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