` Comparison: CIV, PNC - Alpha Spread

CIV
vs
PNC

Over the past 12 months, CIV has significantly outperformed PNC, delivering a return of +52% compared to the PNC's +6% growth.

Valuation Growth Profitability Solvency Stocks Performance
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CIV
PNC
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Stocks Compared:
CIV PNC
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Valuation Comparison

CIV Intrinsic Value
144.79 EUR
Undervaluation 32%
Intrinsic Value
Price
PNC Intrinsic Value
232.808 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
PAR:CIV
98.3 EUR
PNC Financial Services Group Inc
NYSE:PNC
211.625 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
CIV, PNC

CIV
PNC
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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
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
Revenue
PNC Financial Services Group Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
CIV, PNC

CIV
PNC
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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
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
PAR:CIV
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CIV
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

CIV
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

CIV
18.9%
PNC
27.3%

FCF Margin

CIV
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

CIV
2.5%
PNC
10.7%

ROA

CIV
0.3%
PNC
1.1%

ROIC

CIV
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

CIV
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Caisse regionale de Credit Agricole Mutuel d'Ille-et-Vilaine
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CIV, PNC

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CIV
PNC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
CIV, PNC

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CIV
PNC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CIV, PNC

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PNC
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