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

Over the past 12 months, ALBFR has underperformed SPNS, delivering a return of -56% compared to the SPNS's +64% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ALBFR
SPNS
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Stocks Compared:
ALBFR SPNS
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Valuation Comparison

ALBFR Intrinsic Value
124.17 EUR
Undervaluation 7%
Intrinsic Value
Price
SPNS Intrinsic Value
27.03 USD
Overvaluation 38%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Sidetrade SA
PAR:ALBFR
115 EUR
Sapiens International Corporation NV
NASDAQ:SPNS
43.45 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ALBFR, SPNS

ALBFR
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
Sidetrade SA
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
ALBFR, SPNS

ALBFR
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
Sidetrade SA
PAR:ALBFR
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

ALBFR
75.9%
SPNS
44.3%

Operating Margin

ALBFR
10.9%
SPNS
13.7%

Net Margin

ALBFR
14.2%
SPNS
11.4%

FCF Margin

ALBFR
10.4%
SPNS
12.5%

ROE

ALBFR
21.6%
SPNS
13.1%

ROA

ALBFR
10.3%
SPNS
9%

ROIC

ALBFR
-0.2%
SPNS
10.9%

ROCE

ALBFR
13.4%
SPNS
13.9%

Solvency Comparison

Sidetrade SA
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
ALBFR, SPNS

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SPNS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ALBFR, SPNS

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

Performance By Year
ALBFR, SPNS

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SPNS
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