` Comparison: CFIN vs BAJFINANCE - Alpha Spread
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CFIN
vs
BAJFINANCE

Over the past 12 months, CFIN has significantly outperformed BAJFINANCE, delivering a return of +15% compared to the BAJFINANCE's 6% drop.

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CFIN
BAJFINANCE
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Stocks Compared:
CFIN BAJFINANCE
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Valuation Comparison

CFIN Intrinsic Value
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BAJFINANCE Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Clipan Finance Indonesia Tbk PT
IDX:CFIN
324 IDR
Bajaj Finance Ltd
NSE:BAJFINANCE
830.05 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
CFIN, BAJFINANCE

CFIN
BAJFINANCE
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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
Clipan Finance Indonesia Tbk PT
Revenue
Bajaj Finance Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
CFIN, BAJFINANCE

CFIN
BAJFINANCE
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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
Clipan Finance Indonesia Tbk PT
IDX:CFIN
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

CFIN
99.9%
BAJFINANCE
60.5%

Operating Margin

CFIN
33.7%
BAJFINANCE
43.2%

Net Margin

CFIN
13%
BAJFINANCE
22.9%

FCF Margin

CFIN
50.4%
BAJFINANCE
-83.6%

ROE

CFIN
3.7%
BAJFINANCE
19%

ROA

CFIN
2.2%
BAJFINANCE
3.9%

ROIC

CFIN
4.4%
BAJFINANCE
5.8%

ROCE

CFIN
5.7%
BAJFINANCE
8.7%

Solvency Comparison

Clipan Finance Indonesia Tbk PT
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Bajaj Finance Ltd
Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CFIN, BAJFINANCE

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Performance Gap
CFIN, BAJFINANCE

Performance Gap Between CFIN and BAJFINANCE
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Performance By Year
CFIN, BAJFINANCE

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