` Comparison: V0Y, HDFC - Alpha Spread

V0Y
vs
HDFC

Over the past 12 months, V0Y has outperformed HDFC, delivering a return of -5% compared to the HDFC's 0% growth.

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V0Y
HDFC
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

V0Y Intrinsic Value
124.81 EUR
Undervaluation 51%
Intrinsic Value
Price
HDFC Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Voya Financial Inc
F:V0Y
61.5 EUR
Housing Development Finance Corporation Ltd
NSE:HDFC
2 732 INR
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
V0Y, HDFC

V0Y
HDFC
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Voya Financial Inc
Revenue
Housing Development Finance Corporation Ltd
Revenue

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

Profitability Comparison

Free Cash Flow
V0Y, HDFC

V0Y
HDFC
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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
Voya Financial Inc
F:V0Y
FCF is not applicable for financial companies
Housing Development Finance Corporation Ltd
NSE:HDFC
What is Free Cash Flow?

Gross Margin

V0Y
HDFC
75.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Voya Financial Inc
Not applicable for financial companies
Housing Development Finance Corporation Ltd

Operating Margin

V0Y
HDFC
14.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Voya Financial Inc
Not applicable for financial companies
Housing Development Finance Corporation Ltd

Net Margin

V0Y
6.7%
HDFC
17.1%

FCF Margin

V0Y
HDFC
-31.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Voya Financial Inc
Not applicable for financial companies
Housing Development Finance Corporation Ltd

ROE

V0Y
12.4%
HDFC
13.7%

ROA

V0Y
0.3%
HDFC
2.5%

ROIC

V0Y
HDFC
1.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Voya Financial Inc
Not applicable for financial companies
Housing Development Finance Corporation Ltd

ROCE

V0Y
HDFC
2.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Voya Financial Inc
Not applicable for financial companies
Housing Development Finance Corporation Ltd

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
V0Y, HDFC

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Performance Gap
V0Y, HDFC

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V0Y
HDFC
Difference
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Performance By Year
V0Y, HDFC

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V0Y
HDFC
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