` Comparison: ALRS, HDFC - Alpha Spread

ALRS
vs
HDFC

Over the past 12 months, ALRS has outperformed HDFC, delivering a return of +15% compared to the HDFC's 0% growth.

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ALRS
HDFC
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ALRS HDFC
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Valuation Comparison

ALRS Intrinsic Value
37.41 USD
Undervaluation 40%
Intrinsic Value
Price
HDFC Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Alerus Financial Corp
NASDAQ:ALRS
22.37 USD
Housing Development Finance Corporation Ltd
NSE:HDFC
2 732 INR
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
ALRS, HDFC

ALRS
HDFC
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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
Alerus Financial Corp
Revenue
Housing Development Finance Corporation Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
ALRS, HDFC

ALRS
HDFC
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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
Alerus Financial Corp
NASDAQ:ALRS
FCF is not applicable for financial companies
Housing Development Finance Corporation Ltd
NSE:HDFC
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What is Free Cash Flow?

Gross Margin

ALRS
HDFC
75.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Alerus Financial Corp
Not applicable for financial companies
Housing Development Finance Corporation Ltd

Operating Margin

ALRS
HDFC
14.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Alerus Financial Corp
Not applicable for financial companies
Housing Development Finance Corporation Ltd

Net Margin

ALRS
17.4%
HDFC
17.1%

FCF Margin

ALRS
HDFC
-31.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Alerus Financial Corp
Not applicable for financial companies
Housing Development Finance Corporation Ltd

ROE

ALRS
10.7%
HDFC
13.7%

ROA

ALRS
1.1%
HDFC
2.5%

ROIC

ALRS
HDFC
1.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Alerus Financial Corp
Not applicable for financial companies
Housing Development Finance Corporation Ltd

ROCE

ALRS
HDFC
2.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Alerus Financial Corp
Not applicable for financial companies
Housing Development Finance Corporation Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ALRS, HDFC

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ALRS
HDFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ALRS, HDFC

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ALRS
HDFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ALRS, HDFC

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ALRS
HDFC
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