` Comparison: SPNO, PNC - Alpha Spread

SPNO
vs
PNC

Over the past 12 months, SPNO has underperformed PNC, delivering a return of +1% compared to the PNC's +5% growth.

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SPNO
PNC
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Stocks Compared:
SPNO PNC
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Valuation Comparison

SPNO Intrinsic Value
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PNC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Spar Nord Bank A/S
CSE:SPNO
209.6 DKK
PNC Financial Services Group Inc
NYSE:PNC
211.575 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
SPNO, PNC

SPNO
PNC
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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
Spar Nord Bank A/S
Revenue
PNC Financial Services Group Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
SPNO, PNC

SPNO
PNC
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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
Spar Nord Bank A/S
CSE:SPNO
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SPNO
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

SPNO
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

SPNO
34.7%
PNC
27.3%

FCF Margin

SPNO
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

SPNO
14%
PNC
10.7%

ROA

SPNO
1.4%
PNC
1.1%

ROIC

SPNO
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

SPNO
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SPNO, PNC

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SPNO
PNC
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Performance Gap
SPNO, PNC

Performance Gap Between SPNO and PNC
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Performance By Year
SPNO, PNC

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SPNO
PNC
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