` Comparison: PFG vs COF - Alpha Spread

PFG
vs
COF

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

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PFG
COF
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Valuation Comparison

PFG Intrinsic Value
Not Available
COF Intrinsic Value
275.43 USD
Undervaluation 34%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Provident Financial PLC
LSE:PFG
225 GBX
Capital One Financial Corp
NYSE:COF
181.46 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PFG, COF

PFG
COF
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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
Provident Financial PLC
Revenue
Capital One Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
PFG, COF

PFG
COF
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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
Provident Financial PLC
LSE:PFG
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PFG
99.5%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

PFG
30.6%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Capital One Financial Corp
Not applicable for financial companies

Net Margin

PFG
14.5%
COF
4.1%

FCF Margin

PFG
-44.5%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Capital One Financial Corp
Not applicable for financial companies

ROE

PFG
12.6%
COF
2.5%

ROA

PFG
2.9%
COF
0.4%

ROIC

PFG
5.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Capital One Financial Corp
Not applicable for financial companies

ROCE

PFG
6.3%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PFG, COF

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Performance Gap
PFG, COF

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PFG
COF
Difference
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Performance By Year
PFG, COF

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PFG
COF
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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