` Comparison: FACE vs SPNS - Alpha Spread

FACE
vs
SPNS

Over the past 12 months, FACE has underperformed SPNS, delivering a return of +9% compared to the SPNS's +67% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FACE
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Stocks Compared:
FACE SPNS
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Valuation Comparison

FACE Intrinsic Value
3.32 EUR
Undervaluation 29%
Intrinsic Value
Price
SPNS Intrinsic Value
26.26 USD
Overvaluation 40%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Facephi Biometria SA
MAD:FACE
2.34 EUR
Sapiens International Corporation NV
NASDAQ:SPNS
43.45 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
FACE, SPNS

FACE
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
Facephi Biometria SA
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
FACE, SPNS

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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
Facephi Biometria SA
MAD:FACE
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

FACE
53.8%
SPNS
44.3%

Operating Margin

FACE
-14.7%
SPNS
13.7%

Net Margin

FACE
-26.2%
SPNS
11.4%

FCF Margin

FACE
5.3%
SPNS
12.5%

ROE

FACE
-47.6%
SPNS
13.1%

ROA

FACE
-18.3%
SPNS
9%

ROIC

FACE
-14.1%
SPNS
10.9%

ROCE

FACE
-24.5%
SPNS
13.9%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
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Performance Gap
FACE, SPNS

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FACE
SPNS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FACE, SPNS

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