` Comparison: SFIN vs AXP - Alpha Spread
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SFIN
vs
AXP

Over the past 12 months, SFIN has underperformed AXP, delivering a return of -47% compared to the AXP's +13% growth.

Valuation Growth Profitability Solvency Stocks Performance
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SFIN
AXP
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Stocks Compared:
SFIN AXP
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Valuation Comparison

SFIN Intrinsic Value
4 241.88 RUB
Undervaluation 81%
Intrinsic Value
Price
AXP Intrinsic Value
412.51 USD
Undervaluation 27%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SFI PAO
MOEX:SFIN
824.4 RUB
American Express Co
NYSE:AXP
299.96 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
SFIN, AXP

SFIN
AXP
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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
American Express Co
Revenue

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

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Profitability Comparison

Free Cash Flow
SFIN, AXP

SFIN
AXP
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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
American Express Co
NYSE:AXP
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What is Free Cash Flow?

Gross Margin

SFIN
54.3%
AXP
61.5%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

Operating Margin

SFIN
16.1%
AXP
17.7%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

Net Margin

SFIN
31.3%
AXP
13.8%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

FCF Margin

SFIN
83.2%
AXP
20.6%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

ROE

SFIN
24.3%
AXP
33.6%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

ROA

SFIN
6.9%
AXP
3.7%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

ROIC

SFIN
2.9%
AXP
4.7%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

ROCE

SFIN
3.6%
AXP
11.1%
LTM 3Y Avg 5Y Avg 10Y Avg
SFI PAO
American Express Co

Solvency Comparison

SFI PAO
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
American Express Co
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SFIN, AXP

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AXP
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
SFIN, AXP

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SFIN
AXP
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
SFIN, AXP

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