` Comparison: BLFY vs MTG - Alpha Spread

B
BLFY
vs
MTG

Over the past 12 months, BLFY has significantly outperformed MTG, delivering a return of +41% compared to the MTG's +7% growth.

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BLFY
MTG
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Valuation Comparison

B
BLFY Intrinsic Value
4.67 USD
Overvaluation 64%
Intrinsic Value
Price
MTG Intrinsic Value
36.67 USD
Undervaluation 29%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
B
Blue Foundry Bancorp
NASDAQ:BLFY
13.07 USD
MGIC Investment Corp
NYSE:MTG
26.11 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BLFY, MTG

BLFY
MTG
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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
B
Blue Foundry Bancorp
Revenue
MGIC Investment Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
BLFY, MTG

BLFY
MTG
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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
B
Blue Foundry Bancorp
NASDAQ:BLFY
FCF is not applicable for financial companies
MGIC Investment Corp
NYSE:MTG
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BLFY
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Operating Margin

BLFY
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Net Margin

BLFY
-20.1%
MTG
60.8%

FCF Margin

BLFY
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

ROE

BLFY
-2.8%
MTG
14.3%

ROA

BLFY
-0.4%
MTG
11.2%

ROIC

BLFY
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

ROCE

BLFY
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BLFY, MTG

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Performance Gap
BLFY, MTG

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BLFY
MTG
Difference
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Performance By Year
BLFY, MTG

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BLFY
MTG
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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