` Comparison: FANDF vs SLM - Alpha Spread
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F
FANDF
vs
S
SLM

Over the past 12 months, FANDF has underperformed SLM, delivering a return of +9% compared to the SLM's +22% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FANDF
SLM
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Stocks Compared:
FANDF SLM
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Valuation Comparison

FANDF Intrinsic Value
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SLM Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
F
FirstRand Ltd
OTC:FANDF
4.105 USD
S
Sanlam Ltd
JSE:SLM
10 622 Zac
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Valuation Scenario:
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Growth Comparison

Growth Over Time
FANDF, SLM

FANDF
SLM
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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
F
FirstRand Ltd
Revenue
S
Sanlam Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
FANDF, SLM

FANDF
SLM
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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
F
FirstRand Ltd
OTC:FANDF
FCF is not applicable for financial companies
S
Sanlam Ltd
JSE:SLM
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FANDF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Operating Margin

FANDF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Net Margin

FANDF
25.3%
SLM
17%
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
S
Sanlam Ltd

FCF Margin

FANDF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

ROE

FANDF
18.6%
SLM
23.7%
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
S
Sanlam Ltd

ROA

FANDF
1.7%
SLM
2%
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
S
Sanlam Ltd

ROIC

FANDF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

ROCE

FANDF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
F
FirstRand Ltd
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Solvency Comparison

F
FirstRand Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
S
Sanlam 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
FANDF, SLM

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FANDF
SLM
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FANDF, SLM

Performance Gap Between FANDF and SLM
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Performance By Year
FANDF, SLM

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FANDF
SLM
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