` Comparison: PARB vs CPI - Alpha Spread

PARB
vs
C
CPI

Over the past 12 months, PARB has underperformed CPI, delivering a return of +13% compared to the CPI's +48% growth.

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PARB
CPI
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Valuation Comparison

PARB Intrinsic Value
107.06 NOK
Undervaluation 21%
Intrinsic Value
Price
C
CPI Intrinsic Value
248 404.19 Zac
Overvaluation 44%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pareto Bank ASA
OSE:PARB
84.8 NOK
C
Capitec Bank Holdings Ltd
JSE:CPI
447 360 Zac
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PARB, CPI

PARB
CPI
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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
Pareto Bank ASA
Revenue
C
Capitec Bank Holdings Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
PARB, CPI

PARB
CPI
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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
Pareto Bank ASA
OSE:PARB
FCF is not applicable for financial companies
C
Capitec Bank Holdings Ltd
JSE:CPI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PARB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Pareto Bank ASA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Operating Margin

PARB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Pareto Bank ASA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Net Margin

PARB
48.1%
CPI
24.6%

FCF Margin

PARB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Pareto Bank ASA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROE

PARB
11.2%
CPI
30.7%

ROA

PARB
2.4%
CPI
6.5%

ROIC

PARB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Pareto Bank ASA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROCE

PARB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Pareto Bank ASA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PARB, CPI

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Performance Gap
PARB, CPI

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PARB
CPI
Difference
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Performance By Year
PARB, CPI

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PARB
CPI
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Compare PARB to other stocks
JPM
JPMorgan Chase & Co
More expensive
vs PARB
SBK
Standard Bank Group Ltd
S
More expensive
vs PARB
601398
Industrial and Commercial Bank...
Cheaper
vs PARB
BAC
Bank of America Corp
Cheaper
vs PARB
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett