` Comparison: BBLD, DFS - Alpha Spread

BBLD
vs
DFS

Over the past 12 months, BBLD has significantly outperformed DFS, delivering a return of +46% compared to the DFS's +18% growth.

Valuation Growth Profitability Solvency Stocks Performance
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BBLD
DFS
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Stocks Compared:
BBLD DFS
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Valuation Comparison

BBLD Intrinsic Value
2 004.5 IDR
Undervaluation 55%
Intrinsic Value
Price
DFS Intrinsic Value
215.03 USD
Undervaluation 7%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Buana Finance Tbk PT
IDX:BBLD
910 IDR
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
BBLD, DFS

BBLD
DFS
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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
Buana Finance Tbk PT
Revenue
Discover Financial Services
Revenue

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

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Profitability Comparison

Free Cash Flow
BBLD, DFS

BBLD
DFS
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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
Buana Finance Tbk PT
IDX:BBLD
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BBLD
0%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Buana Finance Tbk PT
Discover Financial Services
Not applicable for financial companies

Operating Margin

BBLD
52.7%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Buana Finance Tbk PT
Discover Financial Services
Not applicable for financial companies

Net Margin

BBLD
4.9%
DFS
24.9%

FCF Margin

BBLD
-88%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Buana Finance Tbk PT
Discover Financial Services
Not applicable for financial companies

ROE

BBLD
3.1%
DFS
32.8%

ROA

BBLD
0.6%
DFS
3.7%

ROIC

BBLD
5.4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Buana Finance Tbk PT
Discover Financial Services
Not applicable for financial companies

ROCE

BBLD
6.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Buana Finance Tbk PT
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BBLD, DFS

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BBLD
DFS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
BBLD, DFS

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BBLD
DFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
BBLD, DFS

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BBLD
DFS
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