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

Over the past 12 months, MFIN has underperformed AXP, delivering a return of -41% compared to the AXP's +27% growth.

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MFIN
AXP
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Stocks Compared:
MFIN AXP
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Valuation Comparison

MFIN Intrinsic Value
1 151.25 IDR
Undervaluation 23%
Intrinsic Value
Price Rp890
AXP Intrinsic Value
412.51 USD
Undervaluation 21%
Intrinsic Value
Price $327.225
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Mandala Multifinance Tbk PT
IDX:MFIN
890 IDR
American Express Co
NYSE:AXP
327.225 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
MFIN, AXP

MFIN
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
Mandala Multifinance 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
MFIN, AXP

MFIN
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
Mandala Multifinance Tbk PT
IDX:MFIN
American Express Co
NYSE:AXP
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What is Free Cash Flow?

Gross Margin

MFIN
0%
AXP
61.5%

Operating Margin

MFIN
35.5%
AXP
17.7%

Net Margin

MFIN
21.7%
AXP
13.8%

FCF Margin

MFIN
-11.7%
AXP
20.6%

ROE

MFIN
14.2%
AXP
33.6%

ROA

MFIN
8%
AXP
3.7%

ROIC

MFIN
10.9%
AXP
4.7%

ROCE

MFIN
19.8%
AXP
11.1%

Solvency Comparison

Mandala Multifinance Tbk PT
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
American Express Co
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MFIN, AXP

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AXP
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Performance Gap
MFIN, AXP

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

Performance By Year
MFIN, AXP

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