` Comparison: ILTY vs IRFC - Alpha Spread

ILTY
vs
IRFC

Over the past 12 months, ILTY has significantly outperformed IRFC, delivering a return of +9% compared to the IRFC's 17% drop.

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

ILTY Intrinsic Value
5.83 EUR
Undervaluation 31%
Intrinsic Value
Price
IRFC Intrinsic Value
132.94 INR
Undervaluation 14%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
illimity Bank SpA
MIL:ILTY
4.04 EUR
Indian Railway Finance Corp Ltd
NSE:IRFC
114.15 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ILTY, IRFC

ILTY
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
illimity Bank SpA
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
ILTY, IRFC

ILTY
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
illimity Bank SpA
MIL:ILTY
FCF is not applicable for financial companies
Indian Railway Finance Corp Ltd
NSE:IRFC
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What is Free Cash Flow?

Gross Margin

ILTY
IRFC
0%
LTM 3Y Avg 5Y Avg 10Y Avg
illimity Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

Operating Margin

ILTY
IRFC
99.4%
LTM 3Y Avg 5Y Avg 10Y Avg
illimity Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

Net Margin

ILTY
-14.3%
IRFC
25.5%

FCF Margin

ILTY
IRFC
13.2%
LTM 3Y Avg 5Y Avg 10Y Avg
illimity Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

ROE

ILTY
-4.2%
IRFC
12.7%

ROA

ILTY
-0.5%
IRFC
1.4%

ROIC

ILTY
IRFC
5.5%
LTM 3Y Avg 5Y Avg 10Y Avg
illimity Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

ROCE

ILTY
IRFC
5.3%
LTM 3Y Avg 5Y Avg 10Y Avg
illimity Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ILTY, IRFC

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

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

Performance By Year
ILTY, IRFC

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IRFC
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