` Comparison: UYFINCORP vs RFA - Alpha Spread
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UYFINCORP
vs
RFA

Over the past 12 months, UYFINCORP has underperformed RFA, delivering a return of -32% compared to the RFA's +156% growth.

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UYFINCORP
RFA
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Stocks Compared:
UYFINCORP RFA
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Valuation Comparison

UYFINCORP Intrinsic Value
19.82 INR
Undervaluation 35%
Intrinsic Value
Price
RFA Intrinsic Value
44.1 CAD
Undervaluation 55%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
U. Y. Fincorp Ltd
NSE:UYFINCORP
12.92 INR
RFA Financial Inc
TSX:RFA
19.91 CAD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
UYFINCORP, RFA

UYFINCORP
RFA
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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
U. Y. Fincorp Ltd
Revenue
RFA Financial Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
UYFINCORP, RFA

UYFINCORP
RFA
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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
U. Y. Fincorp Ltd
NSE:UYFINCORP
RFA Financial Inc
TSX:RFA
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What is Free Cash Flow?

Gross Margin

UYFINCORP
54.5%
RFA
51.9%

Operating Margin

UYFINCORP
39.9%
RFA
3.2%

Net Margin

UYFINCORP
30%
RFA
-35.2%

FCF Margin

UYFINCORP
10%
RFA
31.3%

ROE

UYFINCORP
9.5%
RFA
-5.8%

ROA

UYFINCORP
9.2%
RFA
-3.2%

ROIC

UYFINCORP
9.3%
RFA
0.3%

ROCE

UYFINCORP
12.3%
RFA
0.4%

Solvency Comparison

U. Y. Fincorp Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
RFA Financial Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UYFINCORP, RFA

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RFA
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
UYFINCORP, RFA

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UYFINCORP
RFA
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
UYFINCORP, RFA

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RFA
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