` Comparison: BIEN vs SBK - Alpha Spread
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B
BIEN
vs
S
SBK

Over the past 12 months, BIEN has underperformed SBK, delivering a return of -5% compared to the SBK's +49% growth.

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BIEN
SBK
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Stocks Compared:
BIEN SBK
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Valuation Comparison

BIEN Intrinsic Value
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SBK Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Bien Sparebank ASA
OSE:BIEN
146 NOK
S
Standard Bank Group Ltd
JSE:SBK
32 428 Zac
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Valuation Scenario:
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Growth Comparison

Growth Over Time
BIEN, SBK

BIEN
SBK
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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
S
Standard Bank Group Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
BIEN, SBK

BIEN
SBK
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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
S
Standard Bank Group Ltd
JSE:SBK
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BIEN
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Operating Margin

BIEN
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Net Margin

BIEN
36.1%
SBK
17.6%

FCF Margin

BIEN
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROE

BIEN
8.7%
SBK
16.8%

ROA

BIEN
1.1%
SBK
1.4%

ROIC

BIEN
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROCE

BIEN
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bien Sparebank ASA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Solvency Comparison

B
Bien Sparebank ASA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
S
Standard Bank Group 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, SBK

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SBK
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Performance Gap
BIEN, SBK

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

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BIEN
SBK
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