` Comparison: AFFIN vs BAC - Alpha Spread

A
AFFIN
vs
BAC

Over the past 12 months, AFFIN has underperformed BAC, delivering a return of 0% compared to the BAC's +11% growth.

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AFFIN
BAC
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Valuation Comparison

A
AFFIN Intrinsic Value
4.05 MYR
Undervaluation 35%
Intrinsic Value
Price
BAC Intrinsic Value
67.28 USD
Undervaluation 30%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
A
Affin Bank Bhd
KLSE:AFFIN
2.62 MYR
Bank of America Corp
NYSE:BAC
47.01 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
AFFIN, BAC

AFFIN
BAC
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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
A
Affin Bank Bhd
Revenue
Bank of America Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
AFFIN, BAC

AFFIN
BAC
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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
A
Affin Bank Bhd
KLSE:AFFIN
FCF is not applicable for financial companies
Bank of America Corp
NYSE:BAC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

AFFIN
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Operating Margin

AFFIN
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Net Margin

AFFIN
21.3%
BAC
25.7%
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Bank of America Corp

FCF Margin

AFFIN
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROE

AFFIN
4.5%
BAC
9.7%
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Bank of America Corp

ROA

AFFIN
0.5%
BAC
0.9%
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Bank of America Corp

ROIC

AFFIN
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROCE

AFFIN
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affin Bank Bhd
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
AFFIN, BAC

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Performance Gap
AFFIN, BAC

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AFFIN
BAC
Difference
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Performance By Year
AFFIN, BAC

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AFFIN
BAC
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Compare AFFIN to other stocks
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SBK
Standard Bank Group Ltd
S
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601398
Industrial and Commercial Bank...
Cheaper
vs AFFIN
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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