` S23 (Singapura Finance Ltd) vs BAJFINANCE (Bajaj Finance Ltd) Comparison - Alpha Spread

S23
vs
BAJFINANCE

Over the past 12 months, S23 has significantly outperformed BAJFINANCE, delivering a return of +23% compared to the BAJFINANCE's +1% growth.

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S23
BAJFINANCE
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Valuation Comparison

S23 Intrinsic Value
0.71 SGD
Overvaluation 14%
Intrinsic Value
Price S$0.83
BAJFINANCE Intrinsic Value
892.24 INR
Overvaluation 2%
Intrinsic Value
Price ₹905.9
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Singapura Finance Ltd
SGX:S23
0.83 SGD
Bajaj Finance Ltd
NSE:BAJFINANCE
905.9 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
S23, BAJFINANCE

S23
BAJFINANCE
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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
Singapura Finance Ltd
Revenue
Bajaj Finance Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
S23, BAJFINANCE

S23
BAJFINANCE
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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
Singapura Finance Ltd
SGX:S23
FCF is not applicable for financial companies
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

S23
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

Operating Margin

S23
BAJFINANCE
43.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

Net Margin

S23
31.2%
BAJFINANCE
22.9%

FCF Margin

S23
BAJFINANCE
-83.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

ROE

S23
3.5%
BAJFINANCE
19%

ROA

S23
0.6%
BAJFINANCE
3.9%

ROIC

S23
BAJFINANCE
5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

ROCE

S23
BAJFINANCE
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
S23, BAJFINANCE

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S23
BAJFINANCE
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Performance Gap
S23, BAJFINANCE

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S23
BAJFINANCE
Difference
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Performance By Year
S23, BAJFINANCE

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S23
BAJFINANCE
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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