` Comparison: S23 vs DFS - Alpha Spread
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S23
vs
DFS

Over the past 12 months, S23 has outperformed DFS, delivering a return of +19% compared to the DFS's +7% growth.

Valuation Growth Profitability Solvency Stocks Performance
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S23
DFS
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Stocks Compared:
S23 DFS
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Valuation Comparison

S23 Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Singapura Finance Ltd
SGX:S23
0.815 SGD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
S23, DFS

S23
DFS
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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
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Revenue

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

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Profitability Comparison

Free Cash Flow
S23, DFS

S23
DFS
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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
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

S23
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Operating Margin

S23
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Net Margin

S23
26%
DFS
24.9%

FCF Margin

S23
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

ROE

S23
2.6%
DFS
32.8%

ROA

S23
0.5%
DFS
3.7%

ROIC

S23
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

ROCE

S23
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Singapura Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

Singapura Finance Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
S23, DFS

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S23
DFS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
S23, DFS

Performance Gap Between S23 and DFS
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Performance By Year
S23, DFS

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S23
DFS
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