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

Over the past 12 months, ZIP has underperformed COF, delivering a return of +9% compared to the COF's +13% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ZIP
COF
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ZIP COF
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Valuation Comparison

ZIP 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
Zip Co Ltd
ASX:ZIP
2.38 AUD
Capital One Financial Corp
NYSE:COF
223.195 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
ZIP, COF

ZIP
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
Zip Co 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
ZIP, COF

ZIP
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
Zip Co Ltd
ASX:ZIP
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ZIP
22.4%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

ZIP
-68.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Capital One Financial Corp
Not applicable for financial companies

Net Margin

ZIP
-77.7%
COF
4.1%

FCF Margin

ZIP
-3.5%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Capital One Financial Corp
Not applicable for financial companies

ROE

ZIP
-36.7%
COF
2.5%

ROA

ZIP
-12%
COF
0.4%

ROIC

ZIP
-9.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Capital One Financial Corp
Not applicable for financial companies

ROCE

ZIP
-10.6%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Zip Co Ltd
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

Zip Co Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Capital One Financial Corp
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, COF

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COF
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Performance Gap
ZIP, COF

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

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COF
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