` Comparison: 512020 vs FCFS - Alpha Spread
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S
512020
vs
FCFS

Over the past 12 months, ZSARACOM has underperformed FCFS, delivering a return of +10% compared to the FCFS's +60% growth.

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512020
FCFS
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Stocks Compared:
512020 FCFS
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Valuation Comparison

S
ZSARACOM Intrinsic Value
5 138.28 INR
Overvaluation 56%
Intrinsic Value
Price
FCFS Intrinsic Value
199.29 USD
Undervaluation 8%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
S
Saraswati Commercial (India) Ltd
BSE:512020
11 570 INR
Firstcash Holdings Inc
NASDAQ:FCFS
183.21 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
512020, FCFS

512020
FCFS
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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
S
Saraswati Commercial (India) Ltd
Revenue
Firstcash Holdings Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
512020, FCFS

512020
FCFS
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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
S
Saraswati Commercial (India) Ltd
BSE:512020
Firstcash Holdings Inc
NASDAQ:FCFS
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What is Free Cash Flow?

Gross Margin

ZSARACOM
66%
FCFS
50.3%

Operating Margin

ZSARACOM
13.4%
FCFS
16.1%

Net Margin

ZSARACOM
920.9%
FCFS
9%

FCF Margin

ZSARACOM
-77.8%
FCFS
12.8%

ROE

ZSARACOM
8.9%
FCFS
15.3%

ROA

ZSARACOM
7.8%
FCFS
6.8%

ROIC

ZSARACOM
0.1%
FCFS
9.6%

ROCE

ZSARACOM
0.1%
FCFS
13%

Solvency Comparison

S
Saraswati Commercial (India) Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Firstcash Holdings Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
512020, FCFS

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512020
FCFS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
512020, FCFS

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512020
FCFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
512020, FCFS

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512020
FCFS
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