` Comparison: BTPS, TFC - Alpha Spread

BTPS
vs
TFC

Over the past 12 months, BTPS has significantly outperformed TFC, delivering a return of +30% compared to the TFC's +9% growth.

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

BTPS Intrinsic Value
2 229.7 IDR
Undervaluation 46%
Intrinsic Value
Price
TFC Intrinsic Value
62.67 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Bank BTPN Syariah Tbk PT
IDX:BTPS
1 200 IDR
Truist Financial Corp
NYSE:TFC
49.89 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
BTPS, TFC

BTPS
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
Bank BTPN Syariah Tbk PT
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
BTPS, TFC

BTPS
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
Bank BTPN Syariah Tbk PT
IDX:BTPS
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

BTPS
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank BTPN Syariah Tbk PT
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

BTPS
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank BTPN Syariah Tbk PT
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

BTPS
26.1%
TFC
24.3%

FCF Margin

BTPS
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank BTPN Syariah Tbk PT
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

BTPS
13%
TFC
7.5%

ROA

BTPS
5.7%
TFC
0.9%

ROIC

BTPS
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank BTPN Syariah Tbk PT
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

BTPS
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Bank BTPN Syariah Tbk PT
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
BTPS, TFC

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

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

Performance By Year
BTPS, TFC

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TFC
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