` Comparison: XROLF vs SPNS - Alpha Spread
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XROLF
vs
SPNS

Over the past 12 months, XROLF has underperformed SPNS, delivering a return of -51% compared to the SPNS's +60% growth.

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SPNS
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Stocks Compared:
XROLF SPNS
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Valuation Comparison

XROLF Intrinsic Value
67.42 USD
Undervaluation 16%
Intrinsic Value
Price
SPNS Intrinsic Value
26.26 USD
Overvaluation 40%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Xero Ltd
OTC:XROLF
56.3 USD
Sapiens International Corporation NV
NASDAQ:SPNS
43.45 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
XROLF, SPNS

XROLF
SPNS
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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
Xero Ltd
Revenue
Sapiens International Corporation NV
Revenue

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

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Profitability Comparison

Free Cash Flow
XROLF, SPNS

XROLF
SPNS
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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
Xero Ltd
OTC:XROLF
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

XROLF
88.8%
SPNS
44.3%

Operating Margin

XROLF
16.1%
SPNS
13.7%

Net Margin

XROLF
11.6%
SPNS
11.4%

FCF Margin

XROLF
26.6%
SPNS
12.5%

ROE

XROLF
8.3%
SPNS
13.1%

ROA

XROLF
4.9%
SPNS
9%

ROIC

XROLF
11.5%
SPNS
10.9%

ROCE

XROLF
10.9%
SPNS
13.9%

Solvency Comparison

Xero Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Sapiens International Corporatio...
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
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Performance Gap
XROLF, SPNS

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XROLF
SPNS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
XROLF, SPNS

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