` FUSION (Fusion Micro Finance Ltd) vs DFS (Discover Financial Services) Comparison - Alpha Spread

F
FUSION
vs
DFS

Over the past 12 months, FUSION has underperformed DFS, delivering a return of -57% compared to the DFS's +48% growth.

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FUSION
DFS
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Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

F
FUSION Intrinsic Value
501.43 INR
Undervaluation 62%
Intrinsic Value
Price
DFS Intrinsic Value
206.74 USD
Undervaluation 3%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
F
Fusion Micro Finance Ltd
NSE:FUSION
188.81 INR
Discover Financial Services
NYSE:DFS
200.05 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FUSION vs DFS

FUSION
DFS
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
F
Fusion Micro Finance Ltd
Revenue
Discover Financial Services
Revenue

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

Profitability Comparison

Free Cash Flow
FUSION vs DFS

FUSION
DFS
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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
F
Fusion Micro Finance Ltd
NSE:FUSION
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

FUSION
0%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
F
Fusion Micro Finance Ltd
Discover Financial Services
Not applicable for financial companies

Operating Margin

FUSION
64.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
F
Fusion Micro Finance Ltd
Discover Financial Services
Not applicable for financial companies

Net Margin

FUSION
-54.7%
DFS
24.9%

FCF Margin

FUSION
64.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
F
Fusion Micro Finance Ltd
Discover Financial Services
Not applicable for financial companies

ROE

FUSION
-54.5%
DFS
32.8%

ROA

FUSION
-12.2%
DFS
3.7%

ROIC

FUSION
17.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
F
Fusion Micro Finance Ltd
Discover Financial Services
Not applicable for financial companies

ROCE

FUSION
14.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
F
Fusion Micro Finance Ltd
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
FUSION vs DFS

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Performance Gap
FUSION vs DFS

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FUSION
DFS
Difference
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Performance By Year
FUSION vs DFS

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FUSION
DFS
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