` Comparison: POONAWALLA, DFS - Alpha Spread

POONAWALLA
vs
DFS

Over the past 12 months, POONAWALLA has outperformed DFS, delivering a return of +31% compared to the DFS's +14% growth.

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POONAWALLA
DFS
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POONAWALLA DFS
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Valuation Comparison

POONAWALLA Intrinsic Value
550.54 INR
Undervaluation 15%
Intrinsic Value
Price
DFS Intrinsic Value
212.31 USD
Undervaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Poonawalla Fincorp Ltd
NSE:POONAWALLA
470.65 INR
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
POONAWALLA, DFS

POONAWALLA
DFS
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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
Poonawalla Fincorp Ltd
Revenue
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Revenue

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

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Profitability Comparison

Free Cash Flow
POONAWALLA, DFS

POONAWALLA
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
Poonawalla Fincorp Ltd
NSE:POONAWALLA
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NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

POONAWALLA
58%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Poonawalla Fincorp Ltd
Discover Financial Services
Not applicable for financial companies

Operating Margin

POONAWALLA
24.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Poonawalla Fincorp Ltd
Discover Financial Services
Not applicable for financial companies

Net Margin

POONAWALLA
4.5%
DFS
24.9%

FCF Margin

POONAWALLA
-384.1%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Poonawalla Fincorp Ltd
Discover Financial Services
Not applicable for financial companies

ROE

POONAWALLA
2.4%
DFS
32.8%

ROA

POONAWALLA
0.6%
DFS
3.7%

ROIC

POONAWALLA
2.4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Poonawalla Fincorp Ltd
Discover Financial Services
Not applicable for financial companies

ROCE

POONAWALLA
3.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Poonawalla Fincorp Ltd
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
POONAWALLA, DFS

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POONAWALLA
DFS
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Performance Gap
POONAWALLA, DFS

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POONAWALLA
DFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
POONAWALLA, DFS

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DFS
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