` Comparison: PAZ, TFC - Alpha Spread

P
PAZ
vs
TFC

Over the past 12 months, PAZ has underperformed TFC, delivering a return of -23% compared to the TFC's +15% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PAZ
TFC
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Stocks Compared:
PAZ TFC
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Valuation Comparison

P
PAZ Intrinsic Value
143.53 EUR
Undervaluation 12%
Intrinsic Value
Price
TFC Intrinsic Value
62.59 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
P
Park National Corp
F:PAZ
127 EUR
Truist Financial Corp
NYSE:TFC
50.78 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
PAZ, TFC

PAZ
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
P
Park National Corp
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
PAZ, TFC

PAZ
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
P
Park National Corp
F:PAZ
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

PAZ
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

PAZ
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

PAZ
30.8%
TFC
24.3%

FCF Margin

PAZ
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

PAZ
13.5%
TFC
7.5%

ROA

PAZ
1.7%
TFC
0.9%

ROIC

PAZ
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

PAZ
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
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
PAZ, TFC

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PAZ
TFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PAZ, TFC

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PAZ
TFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PAZ, TFC

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PAZ
TFC
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