` Comparison: CARV, PFSI - Alpha Spread

CARV
vs
PFSI

Over the past 12 months, CARV has underperformed PFSI, delivering a return of -35% compared to the PFSI's +24% growth.

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CARV
PFSI
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Stocks Compared:
CARV PFSI
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Valuation Comparison

CARV Intrinsic Value
5.99 USD
Undervaluation 80%
Intrinsic Value
Price
PFSI Intrinsic Value
292.26 USD
Undervaluation 55%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Carver Bancorp Inc
NASDAQ:CARV
1.2 USD
PennyMac Financial Services Inc
NYSE:PFSI
130.48 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
CARV, PFSI

CARV
PFSI
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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
Carver Bancorp Inc
Revenue
PennyMac Financial Services Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
CARV, PFSI

CARV
PFSI
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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
Carver Bancorp Inc
NASDAQ:CARV
FCF is not applicable for financial companies
PennyMac Financial Services Inc
NYSE:PFSI
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What is Free Cash Flow?

Gross Margin

CARV
PFSI
68.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Carver Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Operating Margin

CARV
PFSI
19%
LTM 3Y Avg 5Y Avg 10Y Avg
Carver Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Net Margin

CARV
-57.2%
PFSI
17.2%

FCF Margin

CARV
PFSI
-67.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Carver Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROE

CARV
-39%
PFSI
12.6%

ROA

CARV
-1.8%
PFSI
2.1%

ROIC

CARV
PFSI
2.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Carver Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROCE

CARV
PFSI
3.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Carver Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CARV, PFSI

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CARV
PFSI
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
CARV, PFSI

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CARV
PFSI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CARV, PFSI

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PFSI
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