` Comparison: IPF vs DFS - Alpha Spread

IPF
vs
DFS

Over the past 12 months, IPF has significantly outperformed DFS, delivering a return of +87% compared to the DFS's +1% growth.

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

IPF Intrinsic Value
417.25 GBX
Undervaluation 43%
Intrinsic Value
Price
DFS Intrinsic Value
218.58 USD
Undervaluation 8%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
International Personal Finance PLC
LSE:IPF
236 GBX
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
IPF, DFS

IPF
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
International Personal Finance 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
IPF, DFS

IPF
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
International Personal Finance PLC
LSE:IPF
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

IPF
90.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Discover Financial Services
Not applicable for financial companies

Operating Margin

IPF
12.7%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Discover Financial Services
Not applicable for financial companies

Net Margin

IPF
10.3%
DFS
24.9%

FCF Margin

IPF
-3.7%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Discover Financial Services
Not applicable for financial companies

ROE

IPF
14.7%
DFS
32.8%

ROA

IPF
6%
DFS
3.7%

ROIC

IPF
7.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Discover Financial Services
Not applicable for financial companies

ROCE

IPF
9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
IPF, DFS

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

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IPF
DFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
IPF, DFS

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DFS
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