` Comparison: PT vs BAJFINANCE - Alpha Spread
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PT
vs
BAJFINANCE

Over the past 12 months, PT has underperformed BAJFINANCE, delivering a return of -10% compared to the BAJFINANCE's +25% growth.

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PT
BAJFINANCE
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Stocks Compared:
PT BAJFINANCE
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Valuation Comparison

PT Intrinsic Value
1.97 USD
Undervaluation 49%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
897.66 INR
Overvaluation 12%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pintec Technology Holdings Ltd
NASDAQ:PT
1 USD
Bajaj Finance Ltd
NSE:BAJFINANCE
1 023.25 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PT, BAJFINANCE

PT
BAJFINANCE
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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
Pintec Technology Holdings Ltd
Revenue
Bajaj Finance Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
PT, BAJFINANCE

PT
BAJFINANCE
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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
Pintec Technology Holdings Ltd
NASDAQ:PT
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

PT
63.4%
BAJFINANCE
60.5%

Operating Margin

PT
-39.2%
BAJFINANCE
43.2%

Net Margin

PT
-34%
BAJFINANCE
22.9%

FCF Margin

PT
297.7%
BAJFINANCE
-83.6%

ROE

PT
2.9%
BAJFINANCE
19%

ROA

PT
-11.3%
BAJFINANCE
3.9%

ROIC

PT
-11.7%
BAJFINANCE
5.8%

ROCE

PT
3.5%
BAJFINANCE
8.7%

Solvency Comparison

Pintec Technology Holdings Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Bajaj Finance Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PT, BAJFINANCE

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Performance Gap
PT, BAJFINANCE

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PT
BAJFINANCE
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PT, BAJFINANCE

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