` Comparison: LRCDF vs CPI - Alpha Spread

LRCDF
vs
C
CPI

Over the past 12 months, LRCDF has outperformed CPI, delivering a return of +49% compared to the CPI's +49% growth.

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LRCDF
CPI
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Valuation Comparison

LRCDF Intrinsic Value
33.78 USD
Undervaluation 13%
Intrinsic Value
Price
C
CPI Intrinsic Value
248 404.19 Zac
Overvaluation 48%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Laurentian Bank of Canada
OTC:LRCDF
29.29 USD
C
Capitec Bank Holdings Ltd
JSE:CPI
474 200 Zac
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
LRCDF, CPI

LRCDF
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
Laurentian Bank of Canada
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
LRCDF, CPI

LRCDF
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
Laurentian Bank of Canada
OTC:LRCDF
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

LRCDF
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Laurentian Bank of Canada
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Operating Margin

LRCDF
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Laurentian Bank of Canada
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Net Margin

LRCDF
12.8%
CPI
24.6%

FCF Margin

LRCDF
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Laurentian Bank of Canada
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROE

LRCDF
4.4%
CPI
30.7%

ROA

LRCDF
0.3%
CPI
6.5%

ROIC

LRCDF
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Laurentian Bank of Canada
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROCE

LRCDF
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Laurentian Bank of Canada
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
LRCDF, CPI

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Performance Gap
LRCDF, CPI

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LRCDF
CPI
Difference
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Performance By Year
LRCDF, CPI

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LRCDF
CPI
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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