` Comparison: ANZ, CBA - Alpha Spread

ANZ
vs
CBA

Over the past 12 months, ANZ has significantly outperformed CBA, delivering a return of +25% compared to the CBA's 2% drop.

Valuation Growth Profitability Solvency Stocks Performance
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ANZ
CBA
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Stocks Compared:
ANZ CBA
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Valuation Comparison

ANZ Intrinsic Value
39.57 NZD
Overvaluation 2%
Intrinsic Value
Price
CBA Intrinsic Value
109.17 AUD
Overvaluation 29%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Australia and New Zealand Banking Group Ltd
NZX:ANZ
40.45 NZD
Commonwealth Bank of Australia
ASX:CBA
153.82 AUD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
ANZ, CBA

ANZ
CBA
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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
Australia and New Zealand Banking Group Ltd
Revenue
Commonwealth Bank of Australia
Revenue

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

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Profitability Comparison

Free Cash Flow
ANZ, CBA

ANZ
CBA
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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
Australia and New Zealand Banking Group Ltd
NZX:ANZ
FCF is not applicable for financial companies
Commonwealth Bank of Australia
ASX:CBA
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ANZ
CBA
LTM 3Y Avg 5Y Avg 10Y Avg
Australia and New Zealand Banking Group Ltd
Not applicable for financial companies
Commonwealth Bank of Australia
Not applicable for financial companies

Operating Margin

ANZ
CBA
LTM 3Y Avg 5Y Avg 10Y Avg
Australia and New Zealand Banking Group Ltd
Not applicable for financial companies
Commonwealth Bank of Australia
Not applicable for financial companies

Net Margin

ANZ
24.9%
CBA
35.3%

FCF Margin

ANZ
CBA
LTM 3Y Avg 5Y Avg 10Y Avg
Australia and New Zealand Banking Group Ltd
Not applicable for financial companies
Commonwealth Bank of Australia
Not applicable for financial companies

ROE

ANZ
8.4%
CBA
13.3%

ROA

ANZ
0.5%
CBA
0.8%

ROIC

ANZ
CBA
LTM 3Y Avg 5Y Avg 10Y Avg
Australia and New Zealand Banking Group Ltd
Not applicable for financial companies
Commonwealth Bank of Australia
Not applicable for financial companies

ROCE

ANZ
CBA
LTM 3Y Avg 5Y Avg 10Y Avg
Australia and New Zealand Banking Group Ltd
Not applicable for financial companies
Commonwealth Bank of Australia
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ANZ, CBA

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ANZ
CBA
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Performance Gap
ANZ, CBA

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ANZ
CBA
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ANZ, CBA

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