` Comparison: TOTG, PNC - Alpha Spread

TOTG
vs
PNC

Over the past 12 months, TOTG has underperformed PNC, delivering a return of 0% compared to the PNC's +9% growth.

Valuation Growth Profitability Solvency Stocks Performance
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TOTG
PNC
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Stocks Compared:
TOTG PNC
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Valuation Comparison

TOTG Intrinsic Value
349.56 NOK
Undervaluation 17%
Intrinsic Value
Price
PNC Intrinsic Value
232.98 USD
Undervaluation 10%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Totens Sparebank
OSE:TOTG
290 NOK
PNC Financial Services Group Inc
NYSE:PNC
209.98 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
TOTG, PNC

TOTG
PNC
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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
Totens Sparebank
Revenue
PNC Financial Services Group Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
TOTG, PNC

TOTG
PNC
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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
Totens Sparebank
OSE:TOTG
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

TOTG
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Totens Sparebank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

TOTG
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Totens Sparebank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

TOTG
20.9%
PNC
27.3%

FCF Margin

TOTG
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Totens Sparebank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

TOTG
5.1%
PNC
10.7%

ROA

TOTG
0.6%
PNC
1.1%

ROIC

TOTG
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Totens Sparebank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

TOTG
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Totens Sparebank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TOTG, PNC

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TOTG
PNC
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Performance Gap
TOTG, PNC

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TOTG
PNC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
TOTG, PNC

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TOTG
PNC
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