` Comparison: SFIN vs BAJFINANCE - Alpha Spread

SFIN
vs
BAJFINANCE

Over the past 12 months, SFIN has underperformed BAJFINANCE, delivering a return of -47% compared to the BAJFINANCE's +3% growth.

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SFIN
BAJFINANCE
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Valuation Comparison

SFIN Intrinsic Value
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BAJFINANCE Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SFI PAO
MOEX:SFIN
824.4 RUB
Bajaj Finance Ltd
NSE:BAJFINANCE
853.35 INR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SFIN, BAJFINANCE

SFIN
BAJFINANCE
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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
SFI PAO
Revenue
Bajaj Finance Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
SFIN, BAJFINANCE

SFIN
BAJFINANCE
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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
SFI PAO
MOEX:SFIN
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

SFIN
54.3%
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

Operating Margin

SFIN
16.1%
BAJFINANCE
43.2%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

Net Margin

SFIN
31.3%
BAJFINANCE
22.9%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

FCF Margin

SFIN
83.2%
BAJFINANCE
-83.6%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

ROE

SFIN
24.3%
BAJFINANCE
19%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

ROA

SFIN
6.9%
BAJFINANCE
3.9%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

ROIC

SFIN
2.9%
BAJFINANCE
5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

ROCE

SFIN
3.6%
BAJFINANCE
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
Bajaj Finance Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SFIN, BAJFINANCE

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SFIN
BAJFINANCE
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Performance Gap
SFIN, BAJFINANCE

Performance Gap Between SFIN and BAJFINANCE
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Performance By Year
SFIN, BAJFINANCE

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SFIN
BAJFINANCE
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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