` Comparison: 532720, DFS - Alpha Spread

532720
vs
DFS

Over the past 12 months, M&MFIN has outperformed DFS, delivering a return of +33% compared to the DFS's +15% growth.

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532720
DFS
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Stocks Compared:
532720 DFS
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Valuation Comparison

M&MFIN Intrinsic Value
548.54 INR
Undervaluation 36%
Intrinsic Value
Price
DFS Intrinsic Value
212.71 USD
Undervaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Mahindra and Mahindra Financial Services Ltd
BSE:532720
348.65 INR
Discover Financial Services
NYSE:DFS
200.05 USD
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Growth Comparison

Growth Over Time
532720, DFS

532720
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
Mahindra and Mahindra Financial Services Ltd
Revenue
Discover Financial Services
Revenue

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

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Profitability Comparison

Free Cash Flow
532720, DFS

532720
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
Mahindra and Mahindra Financial Services Ltd
BSE:532720
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

M&MFIN
49.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
Discover Financial Services
Not applicable for financial companies

Operating Margin

M&MFIN
27.6%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
Discover Financial Services
Not applicable for financial companies

Net Margin

M&MFIN
12.5%
DFS
24.9%

FCF Margin

M&MFIN
-66.5%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
Discover Financial Services
Not applicable for financial companies

ROE

M&MFIN
11%
DFS
32.8%

ROA

M&MFIN
1.8%
DFS
3.7%

ROIC

M&MFIN
3%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
Discover Financial Services
Not applicable for financial companies

ROCE

M&MFIN
4.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
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
532720, DFS

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532720
DFS
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Performance Gap
532720, DFS

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532720
DFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
532720, DFS

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532720
DFS
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