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

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

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CFIN
AXP
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Stocks Compared:
CFIN AXP
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Valuation Comparison

CFIN Intrinsic Value
1 278.03 IDR
Undervaluation 75%
Intrinsic Value
Price
AXP Intrinsic Value
412.51 USD
Undervaluation 28%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Clipan Finance Indonesia Tbk PT
IDX:CFIN
324 IDR
American Express Co
NYSE:AXP
295.5 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CFIN, AXP

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AXP
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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
American Express Co
Revenue

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

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Profitability Comparison

Free Cash Flow
CFIN, AXP

CFIN
AXP
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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
American Express Co
NYSE:AXP
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What is Free Cash Flow?

Gross Margin

CFIN
99.9%
AXP
61.5%

Operating Margin

CFIN
33.7%
AXP
17.7%

Net Margin

CFIN
13%
AXP
13.8%

FCF Margin

CFIN
50.4%
AXP
20.6%

ROE

CFIN
3.7%
AXP
33.6%

ROA

CFIN
2.2%
AXP
3.7%

ROIC

CFIN
4.4%
AXP
4.7%

ROCE

CFIN
5.7%
AXP
11.1%

Solvency Comparison

Clipan Finance Indonesia Tbk PT
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
American Express Co
Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
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Performance Gap
CFIN, AXP

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CFIN
AXP
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CFIN, AXP

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