` Comparison: BFFBF vs IRFC - Alpha Spread

BFFBF
vs
IRFC

Over the past 12 months, BFFBF has underperformed IRFC, delivering a return of -79% compared to the IRFC's 20% drop.

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BFFBF
IRFC
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Valuation Comparison

BFFBF Intrinsic Value
22.2 USD
Undervaluation 92%
Intrinsic Value
Price $1.68
IRFC Intrinsic Value
133.1 INR
Undervaluation 26%
Intrinsic Value
Price ₹98.81
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
BFF Bank SpA
OTC:BFFBF
1.68 USD
Indian Railway Finance Corp Ltd
NSE:IRFC
98.81 INR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BFFBF, IRFC

BFFBF
IRFC
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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
BFF Bank SpA
Revenue
Indian Railway Finance Corp Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
BFFBF, IRFC

BFFBF
IRFC
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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
BFF Bank SpA
OTC:BFFBF
FCF is not applicable for financial companies
Indian Railway Finance Corp Ltd
NSE:IRFC
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What is Free Cash Flow?

Gross Margin

BFFBF
IRFC
0%
LTM 3Y Avg 5Y Avg 10Y Avg
BFF Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

Operating Margin

BFFBF
IRFC
99.3%
LTM 3Y Avg 5Y Avg 10Y Avg
BFF Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

Net Margin

BFFBF
18.5%
IRFC
26.3%

FCF Margin

BFFBF
IRFC
-37.5%
LTM 3Y Avg 5Y Avg 10Y Avg
BFF Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

ROE

BFFBF
7.8%
IRFC
12.9%

ROA

BFFBF
0.6%
IRFC
1.4%

ROIC

BFFBF
IRFC
5.4%
LTM 3Y Avg 5Y Avg 10Y Avg
BFF Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

ROCE

BFFBF
IRFC
5.4%
LTM 3Y Avg 5Y Avg 10Y Avg
BFF Bank SpA
Not applicable for financial companies
Indian Railway Finance Corp Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BFFBF, IRFC

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Performance Gap
BFFBF, IRFC

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BFFBF
IRFC
Difference
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Performance By Year
BFFBF, IRFC

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BFFBF
IRFC
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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