` Comparison: APP vs DFS - Alpha Spread
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APP
vs
DFS

Over the past 12 months, APP has underperformed DFS, delivering a return of 0% compared to the DFS's +3% growth.

Valuation Growth Profitability Solvency Stocks Performance
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APP
DFS
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Stocks Compared:
APP DFS
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Valuation Comparison

APP Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Appreciate Group PLC
LSE:APP
42.2 GBX
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
APP, DFS

APP
DFS
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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
Appreciate Group PLC
Revenue
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Revenue

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

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Profitability Comparison

Free Cash Flow
APP, DFS

APP
DFS
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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
Appreciate Group PLC
LSE:APP
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NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

APP
25.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Appreciate Group PLC
Discover Financial Services
Not applicable for financial companies

Operating Margin

APP
4.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Appreciate Group PLC
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Not applicable for financial companies

Net Margin

APP
4.2%
DFS
24.9%

FCF Margin

APP
12.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Appreciate Group PLC
Discover Financial Services
Not applicable for financial companies

ROE

APP
43.1%
DFS
32.8%

ROA

APP
2.1%
DFS
3.7%

ROIC

APP
5.1%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Appreciate Group PLC
Discover Financial Services
Not applicable for financial companies

ROCE

APP
35.4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Appreciate Group PLC
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Not applicable for financial companies

Solvency Comparison

Appreciate Group PLC
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
APP, DFS

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APP
DFS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
APP, DFS

Performance Gap Between APP and DFS
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Performance By Year
APP, DFS

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DFS
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