` Comparison: RAYSG.E, CB - Alpha Spread

RAYSG.E
vs
CB

Over the past 12 months, RAYSG.E has underperformed CB, delivering a return of -55% compared to the CB's +14% growth.

Valuation Growth Profitability Solvency Stocks Performance
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RAYSG.E
CB
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Stocks Compared:
RAYSG.E CB
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Valuation Comparison

RAYSG.E Intrinsic Value
213.93 TRY
Overvaluation 6%
Intrinsic Value
Price
CB Intrinsic Value
359.62 USD
Undervaluation 14%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Ray Sigorta AS
IST:RAYSG.E
227.8 TRY
Chubb Ltd
NYSE:CB
310.6 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
RAYSG.E, CB

RAYSG.E
CB
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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
Ray Sigorta AS
Revenue
Chubb Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
RAYSG.E, CB

RAYSG.E
CB
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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
Ray Sigorta AS
IST:RAYSG.E
FCF is not applicable for financial companies
Chubb Ltd
NYSE:CB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

RAYSG.E
CB
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Not applicable for financial companies
Chubb Ltd
Not applicable for financial companies

Operating Margin

RAYSG.E
CB
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Not applicable for financial companies
Chubb Ltd
Not applicable for financial companies

Net Margin

RAYSG.E
12.2%
CB
16.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Chubb Ltd

FCF Margin

RAYSG.E
CB
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Not applicable for financial companies
Chubb Ltd
Not applicable for financial companies

ROE

RAYSG.E
68.2%
CB
14.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Chubb Ltd

ROA

RAYSG.E
12.9%
CB
3.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Chubb Ltd

ROIC

RAYSG.E
CB
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Not applicable for financial companies
Chubb Ltd
Not applicable for financial companies

ROCE

RAYSG.E
CB
LTM 3Y Avg 5Y Avg 10Y Avg
Ray Sigorta AS
Not applicable for financial companies
Chubb Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
RAYSG.E, CB

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Performance Gap
RAYSG.E, CB

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RAYSG.E
CB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
RAYSG.E, CB

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CB
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