` Comparison: S41 vs BAJFINANCE - Alpha Spread

S41
vs
BAJFINANCE

Over the past 12 months, S41 has outperformed BAJFINANCE, delivering a return of -1% compared to the BAJFINANCE's 3% drop.

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S41
BAJFINANCE
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Valuation Comparison

S41 Intrinsic Value
3.1 SGD
Undervaluation 18%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
892.24 INR
Undervaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Hong Leong Finance Ltd
SGX:S41
2.54 SGD
Bajaj Finance Ltd
NSE:BAJFINANCE
842.8 INR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
S41, BAJFINANCE

S41
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
Hong Leong 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
S41, BAJFINANCE

S41
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
Hong Leong Finance Ltd
SGX:S41
FCF is not applicable for financial companies
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

S41
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

Operating Margin

S41
BAJFINANCE
43.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

Net Margin

S41
34.2%
BAJFINANCE
22.9%

FCF Margin

S41
BAJFINANCE
-83.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

ROE

S41
3%
BAJFINANCE
19%

ROA

S41
0.4%
BAJFINANCE
3.9%

ROIC

S41
BAJFINANCE
5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Bajaj Finance Ltd

ROCE

S41
BAJFINANCE
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong 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
S41, BAJFINANCE

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S41
BAJFINANCE
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Performance Gap
S41, BAJFINANCE

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S41
BAJFINANCE
Difference
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Performance By Year
S41, BAJFINANCE

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S41
BAJFINANCE
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Compare S41 to other stocks
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SYF
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vs S41
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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