` Comparison: CRDL vs SPNS - Alpha Spread
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CRDL
vs
SPNS

Over the past 12 months, CRDL has underperformed SPNS, delivering a return of -42% compared to the SPNS's +61% growth.

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CRDL
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Stocks Compared:
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Valuation Comparison

CRDL Intrinsic Value
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SPNS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Cordel Group PLC
LSE:CRDL
4.55 GBX
Sapiens International Corporation NV
NASDAQ:SPNS
43.45 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
CRDL, SPNS

CRDL
SPNS
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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
Cordel Group PLC
Revenue
Sapiens International Corporation NV
Revenue

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

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Profitability Comparison

Free Cash Flow
CRDL, SPNS

CRDL
SPNS
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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
Cordel Group PLC
LSE:CRDL
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

CRDL
73.4%
SPNS
44.3%

Operating Margin

CRDL
-19.4%
SPNS
13.7%

Net Margin

CRDL
-27.2%
SPNS
11.4%

FCF Margin

CRDL
0.5%
SPNS
12.5%

ROE

CRDL
-43.1%
SPNS
13.1%

ROA

CRDL
-29%
SPNS
9%

ROIC

CRDL
-34.6%
SPNS
10.9%

ROCE

CRDL
-30.3%
SPNS
13.9%

Solvency Comparison

Cordel Group PLC
Equity Waterfall
Assets
Liabilities
Equity
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Sapiens International Corporatio...
Equity Waterfall
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Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
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Performance Gap
CRDL, SPNS

Performance Gap Between CRDL and SPNS
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Performance By Year
CRDL, SPNS

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