` Comparison: PPM, PFSI - Alpha Spread

PPM
vs
PFSI

Over the past 12 months, PPM has significantly outperformed PFSI, delivering a return of +56% compared to the PFSI's +33% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PPM
PFSI
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Stocks Compared:
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Valuation Comparison

PPM Intrinsic Value
3.81 AUD
Undervaluation 42%
Intrinsic Value
Price
PFSI Intrinsic Value
292.53 USD
Undervaluation 54%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pepper Money Ltd
ASX:PPM
2.19 AUD
PennyMac Financial Services Inc
NYSE:PFSI
134.87 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PPM, PFSI

PPM
PFSI
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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
Pepper Money Ltd
Revenue
PennyMac Financial Services Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
PPM, PFSI

PPM
PFSI
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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
Pepper Money Ltd
ASX:PPM
PennyMac Financial Services Inc
NYSE:PFSI
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What is Free Cash Flow?

Gross Margin

PPM
30.3%
PFSI
68.1%

Operating Margin

PPM
11.6%
PFSI
19%

Net Margin

PPM
6.6%
PFSI
17.2%

FCF Margin

PPM
90.9%
PFSI
-67.1%

ROE

PPM
12.1%
PFSI
12.6%

ROA

PPM
0.6%
PFSI
2.1%

ROIC

PPM
0.7%
PFSI
2.2%

ROCE

PPM
1%
PFSI
3.7%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PPM, PFSI

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Performance Gap
PPM, PFSI

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PPM
PFSI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PPM, PFSI

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