` Comparison: MFIN vs COF - Alpha Spread

MFIN
vs
COF

Over the past 12 months, MFIN has underperformed COF, delivering a return of -39% compared to the COF's +4% growth.

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MFIN
COF
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Valuation Comparison

MFIN Intrinsic Value
1 151.25 IDR
Undervaluation 23%
Intrinsic Value
Price
COF Intrinsic Value
274.25 USD
Undervaluation 29%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Mandala Multifinance Tbk PT
IDX:MFIN
890 IDR
Capital One Financial Corp
NYSE:COF
193.47 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
MFIN, COF

MFIN
COF
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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
Capital One Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
MFIN, COF

MFIN
COF
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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
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

MFIN
0%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Mandala Multifinance Tbk PT
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

MFIN
35.5%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Mandala Multifinance Tbk PT
Capital One Financial Corp
Not applicable for financial companies

Net Margin

MFIN
21.7%
COF
4.1%

FCF Margin

MFIN
-11.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Mandala Multifinance Tbk PT
Capital One Financial Corp
Not applicable for financial companies

ROE

MFIN
14.2%
COF
2.5%

ROA

MFIN
8%
COF
0.4%

ROIC

MFIN
10.9%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Mandala Multifinance Tbk PT
Capital One Financial Corp
Not applicable for financial companies

ROCE

MFIN
19.8%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Mandala Multifinance Tbk PT
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MFIN, COF

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Performance Gap
MFIN, COF

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MFIN
COF
Difference
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Performance By Year
MFIN, COF

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MFIN
COF
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett