` Comparison: ISB, CPI - Alpha Spread

I
ISB
vs
C
CPI

Over the past 12 months, ISB has underperformed CPI, delivering a return of +17% compared to the CPI's +20% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ISB
CPI
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Stocks Compared:
ISB CPI
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Valuation Comparison

ISB Intrinsic Value
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CPI Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
I
Islandsbanki hf
ICEX:ISB
142.5 ISK
C
Capitec Bank Holdings Ltd
JSE:CPI
398 913 Zac
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
ISB, CPI

ISB
CPI
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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
I
Islandsbanki hf
Revenue
C
Capitec Bank Holdings Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
ISB, CPI

ISB
CPI
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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
I
Islandsbanki hf
ICEX:ISB
FCF is not applicable for financial companies
C
Capitec Bank Holdings Ltd
JSE:CPI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ISB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Islandsbanki hf
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Operating Margin

ISB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Islandsbanki hf
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Net Margin

ISB
35.2%
CPI
24.6%

FCF Margin

ISB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Islandsbanki hf
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROE

ISB
11.4%
CPI
30.7%

ROA

ISB
1.5%
CPI
6.5%

ROIC

ISB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Islandsbanki hf
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROCE

ISB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Islandsbanki hf
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ISB, CPI

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ISB
CPI
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ISB, CPI

Performance Gap Between ISB and CPI
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Performance By Year
ISB, CPI

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ISB
CPI
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