` Comparison: SPNO, TFC - Alpha Spread

SPNO
vs
TFC

Over the past 12 months, SPNO has underperformed TFC, delivering a return of +1% compared to the TFC's +9% growth.

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SPNO
TFC
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Stocks Compared:
SPNO TFC
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Valuation Comparison

SPNO Intrinsic Value
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TFC 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
Truist Financial Corp
NYSE:TFC
49.96 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
SPNO, TFC

SPNO
TFC
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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
Truist Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
SPNO, TFC

SPNO
TFC
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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
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SPNO
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

SPNO
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

SPNO
34.7%
TFC
24.3%

FCF Margin

SPNO
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

SPNO
14%
TFC
7.5%

ROA

SPNO
1.4%
TFC
0.9%

ROIC

SPNO
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

SPNO
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SPNO, TFC

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SPNO
TFC
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Performance Gap
SPNO, TFC

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

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SPNO
TFC
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