` Comparison: PFG, SLM - Alpha Spread

PFG
vs
S
SLM

Over the past 12 months, PFG has outperformed SLM, delivering a return of +15% compared to the SLM's +10% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PFG
SLM
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Stocks Compared:
PFG SLM
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Valuation Comparison

PFG Intrinsic Value
138.61 USD
Undervaluation 35%
Intrinsic Value
Price
S
SLM Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Principal Financial Group Inc
NASDAQ:PFG
90.1 USD
S
Sanlam Ltd
JSE:SLM
9 604 Zac
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
PFG, SLM

PFG
SLM
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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
Principal Financial Group Inc
Revenue
S
Sanlam Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
PFG, SLM

PFG
SLM
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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
Principal Financial Group Inc
NASDAQ:PFG
FCF is not applicable for financial companies
S
Sanlam Ltd
JSE:SLM
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PFG
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Principal Financial Group Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Operating Margin

PFG
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Principal Financial Group Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Net Margin

PFG
10.2%
SLM
17%

FCF Margin

PFG
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Principal Financial Group Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

ROE

PFG
13.7%
SLM
23.7%

ROA

PFG
0.5%
SLM
2%

ROIC

PFG
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Principal Financial Group Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

ROCE

PFG
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Principal Financial Group Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PFG, SLM

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PFG
SLM
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PFG, SLM

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PFG
SLM
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PFG, SLM

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PFG
SLM
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