` Comparison: BIEN vs FSR - Alpha Spread
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B
BIEN
vs
F
FSR

Over the past 12 months, BIEN has underperformed FSR, delivering a return of +8% compared to the FSR's +25% growth.

Valuation Growth Profitability Solvency Stocks Performance
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BIEN
FSR
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Stocks Compared:
BIEN FSR
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Valuation Comparison

BIEN Intrinsic Value
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FSR Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Bien Sparebank ASA
OSE:BIEN
145 NOK
F
FirstRand Ltd
JSE:FSR
9 264 Zac
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BIEN, FSR

BIEN
FSR
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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
B
Bien Sparebank ASA
Revenue
F
FirstRand Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
BIEN, FSR

BIEN
FSR
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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
B
Bien Sparebank ASA
OSE:BIEN
FCF is not applicable for financial companies
F
FirstRand Ltd
JSE:FSR
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BIEN
FSR
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
F
FirstRand Ltd
Not applicable for financial companies

Operating Margin

BIEN
FSR
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
F
FirstRand Ltd
Not applicable for financial companies

Net Margin

BIEN
36.1%
FSR
25.3%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
F
FirstRand Ltd

FCF Margin

BIEN
FSR
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
F
FirstRand Ltd
Not applicable for financial companies

ROE

BIEN
8.7%
FSR
18.6%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
F
FirstRand Ltd

ROA

BIEN
1.1%
FSR
1.7%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
F
FirstRand Ltd

ROIC

BIEN
FSR
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
F
FirstRand Ltd
Not applicable for financial companies

ROCE

BIEN
FSR
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
F
FirstRand Ltd
Not applicable for financial companies

Solvency Comparison

B
Bien Sparebank ASA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
F
FirstRand 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
BIEN, FSR

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BIEN
FSR
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
BIEN, FSR

Performance Gap Between BIEN and FSR
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Performance By Year
BIEN, FSR

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BIEN
FSR
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