` Comparison: TIME vs IRFC - Alpha Spread
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TIME
vs
IRFC

Over the past 12 months, TIME has outperformed IRFC, delivering a return of -12% compared to the IRFC's 16% drop.

Valuation Growth Profitability Solvency Stocks Performance
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TIME
IRFC
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Stocks Compared:
TIME IRFC
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Valuation Comparison

TIME Intrinsic Value
68.35 GBX
Undervaluation 22%
Intrinsic Value
Price
IRFC Intrinsic Value
132.72 INR
Undervaluation 14%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Time Finance PLC
LSE:TIME
53 GBX
Indian Railway Finance Corp Ltd
NSE:IRFC
114.61 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
TIME, IRFC

TIME
IRFC
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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
Time Finance PLC
Revenue
Indian Railway Finance Corp Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
TIME, IRFC

TIME
IRFC
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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
Time Finance PLC
LSE:TIME
Indian Railway Finance Corp Ltd
NSE:IRFC
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What is Free Cash Flow?

Gross Margin

TIME
58.4%
IRFC
0%

Operating Margin

TIME
21.1%
IRFC
99.3%

Net Margin

TIME
15.8%
IRFC
26.3%

FCF Margin

TIME
12.3%
IRFC
-37.5%

ROE

TIME
8.5%
IRFC
12.9%

ROA

TIME
2.7%
IRFC
1.4%

ROIC

TIME
4.3%
IRFC
5.4%

ROCE

TIME
5.7%
IRFC
5.4%

Solvency Comparison

Time Finance PLC
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Indian Railway Finance Corp Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TIME, IRFC

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IRFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
TIME, IRFC

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TIME
IRFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
TIME, IRFC

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IRFC
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