` Comparison: CREAL vs DFS - Alpha Spread

CREAL
vs
DFS

Over the past 12 months, CREAL has underperformed DFS, delivering a return of 0% compared to the DFS's +2% growth.

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CREAL
DFS
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Valuation Comparison

CREAL 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
Credito Real SAB de CV SOFOM ENR
BMV:CREAL
0.354 MXN
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NYSE:DFS
200.05 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CREAL, DFS

CREAL
DFS
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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
Credito Real SAB de CV SOFOM ENR
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
CREAL, DFS

CREAL
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
Credito Real SAB de CV SOFOM ENR
BMV:CREAL
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NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CREAL
45.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
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Not applicable for financial companies

Operating Margin

CREAL
0.3%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
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Not applicable for financial companies

Net Margin

CREAL
1.1%
DFS
24.9%

FCF Margin

CREAL
-2.7%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
Discover Financial Services
Not applicable for financial companies

ROE

CREAL
0.8%
DFS
32.8%

ROA

CREAL
0.2%
DFS
3.7%

ROIC

CREAL
0.3%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
Discover Financial Services
Not applicable for financial companies

ROCE

CREAL
0.1%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
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
CREAL, DFS

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Performance Gap
CREAL, DFS

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

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CREAL
DFS
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett