` Comparison: ZIP vs BAJFINANCE - Alpha Spread
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ZIP
vs
BAJFINANCE

Over the past 12 months, ZIP has underperformed BAJFINANCE, delivering a return of +16% compared to the BAJFINANCE's +22% growth.

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ZIP
BAJFINANCE
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Stocks Compared:
ZIP BAJFINANCE
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Valuation Comparison

ZIP Intrinsic Value
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BAJFINANCE Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Zip Co Ltd
ASX:ZIP
2.62 AUD
Bajaj Finance Ltd
NSE:BAJFINANCE
966.15 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ZIP, BAJFINANCE

ZIP
BAJFINANCE
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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
Zip Co Ltd
Revenue
Bajaj Finance Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
ZIP, BAJFINANCE

ZIP
BAJFINANCE
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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
Zip Co Ltd
ASX:ZIP
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

ZIP
22.4%
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

Operating Margin

ZIP
-68.7%
BAJFINANCE
43.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

Net Margin

ZIP
-77.7%
BAJFINANCE
22.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

FCF Margin

ZIP
-3.5%
BAJFINANCE
-83.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

ROE

ZIP
-36.7%
BAJFINANCE
19%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

ROA

ZIP
-12%
BAJFINANCE
3.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

ROIC

ZIP
-9.7%
BAJFINANCE
5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

ROCE

ZIP
-10.6%
BAJFINANCE
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Bajaj Finance Ltd

Solvency Comparison

Zip Co Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Bajaj Finance Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ZIP, BAJFINANCE

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BAJFINANCE
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Performance Gap
ZIP, BAJFINANCE

Performance Gap Between ZIP and BAJFINANCE
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Performance By Year
ZIP, BAJFINANCE

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BAJFINANCE
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