` Comparison: 123F vs SPNS - Alpha Spread
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1
123F
vs
SPNS

Over the past 12 months, 123F has underperformed SPNS, delivering a return of +13% compared to the SPNS's +70% growth.

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123F
SPNS
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Stocks Compared:
123F SPNS
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Valuation Comparison

1
123F Intrinsic Value
5.08 EUR
Undervaluation 42%
Intrinsic Value
Price
SPNS Intrinsic Value
26.26 USD
Overvaluation 40%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
1
123fahrschule SE
F:123F
2.94 EUR
Sapiens International Corporation NV
NASDAQ:SPNS
43.45 USD
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Growth Comparison

Growth Over Time
123F, SPNS

123F
SPNS
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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
1
123fahrschule SE
Revenue
Sapiens International Corporation NV
Revenue

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

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Profitability Comparison

Free Cash Flow
123F, SPNS

123F
SPNS
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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
1
123fahrschule SE
F:123F
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

123F
101.3%
SPNS
44.3%

Operating Margin

123F
-10.9%
SPNS
13.7%

Net Margin

123F
-28.5%
SPNS
11.4%

FCF Margin

123F
-12%
SPNS
12.5%

ROE

123F
-55.3%
SPNS
13.1%

ROA

123F
-30.8%
SPNS
9%

ROIC

123F
-31%
SPNS
10.9%

ROCE

123F
-16.2%
SPNS
13.9%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
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Performance Gap
123F, SPNS

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123F
SPNS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
123F, SPNS

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SPNS
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