` Comparison: AGRO vs MTB - Alpha Spread
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AGRO
vs
MTB

Over the past 12 months, AGRO has underperformed MTB, delivering a return of +14% compared to the MTB's +20% growth.

Valuation Growth Profitability Solvency Stocks Performance
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AGRO
MTB
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Stocks Compared:
AGRO MTB
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Valuation Comparison

AGRO Intrinsic Value
81.19 IDR
Overvaluation 62%
Intrinsic Value
Price
MTB Intrinsic Value
239.133 USD
Undervaluation 1%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Bank Raya Indonesia Tbk PT
IDX:AGRO
216 IDR
M&T Bank Corp
NYSE:MTB
237.645 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
AGRO, MTB

AGRO
MTB
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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
Bank Raya Indonesia Tbk PT
Revenue
M&T Bank Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
AGRO, MTB

AGRO
MTB
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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
Bank Raya Indonesia Tbk PT
IDX:AGRO
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

AGRO
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Bank Raya Indonesia Tbk PT
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

AGRO
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Bank Raya Indonesia Tbk PT
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

AGRO
6.2%
MTB
27.9%

FCF Margin

AGRO
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Bank Raya Indonesia Tbk PT
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

AGRO
1.7%
MTB
9.3%

ROA

AGRO
0.4%
MTB
1.3%

ROIC

AGRO
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Bank Raya Indonesia Tbk PT
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

AGRO
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Bank Raya Indonesia Tbk PT
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Bank Raya Indonesia Tbk PT
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
M&T Bank Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
AGRO, MTB

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MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
AGRO, MTB

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AGRO
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
AGRO, MTB

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AGRO
MTB
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