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

Over the past 12 months, SLM has underperformed BAJFINANCE, delivering a return of -31% compared to the BAJFINANCE's +20% growth.

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

SLM Intrinsic Value
40.36 USD
Undervaluation 48%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
892.24 INR
Overvaluation 10%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SLM Corp
NASDAQ:SLM
20.88 USD
Bajaj Finance Ltd
NSE:BAJFINANCE
993.85 INR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SLM, BAJFINANCE

SLM
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
SLM Corp
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
SLM, BAJFINANCE

SLM
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
SLM Corp
NASDAQ:SLM
FCF is not applicable for financial companies
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

SLM
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Not applicable for financial companies
Bajaj Finance Ltd

Operating Margin

SLM
BAJFINANCE
43.2%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Not applicable for financial companies
Bajaj Finance Ltd

Net Margin

SLM
36.7%
BAJFINANCE
22.9%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Bajaj Finance Ltd

FCF Margin

SLM
BAJFINANCE
-83.6%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Not applicable for financial companies
Bajaj Finance Ltd

ROE

SLM
32.4%
BAJFINANCE
19%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Bajaj Finance Ltd

ROA

SLM
2.4%
BAJFINANCE
3.9%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Bajaj Finance Ltd

ROIC

SLM
BAJFINANCE
5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Not applicable for financial companies
Bajaj Finance Ltd

ROCE

SLM
BAJFINANCE
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
SLM Corp
Not applicable for financial companies
Bajaj Finance Ltd

Solvency Comparison

SLM Corp
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
SLM, BAJFINANCE

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

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

Performance By Year
SLM, BAJFINANCE

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