` S41 (Hong Leong Finance Ltd) vs DFS (Discover Financial Services) Comparison - Alpha Spread

S41
vs
DFS

Over the past 12 months, S41 has underperformed DFS, delivering a return of +7% compared to the DFS's +48% growth.

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S41
DFS
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Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

S41 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
Hong Leong Finance Ltd
SGX:S41
2.61 SGD
Discover Financial Services
NYSE:DFS
200.05 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
S41 vs DFS

S41
DFS
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Revenue
www.alphaspread.com
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
Discover Financial Services
Revenue

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

Profitability Comparison

Free Cash Flow
S41 vs DFS

S41
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
Hong Leong Finance Ltd
SGX:S41
FCF is not applicable for financial companies
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

S41
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Operating Margin

S41
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Net Margin

S41
44.6%
DFS
24.9%

FCF Margin

S41
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

ROE

S41
5%
DFS
32.8%

ROA

S41
0.7%
DFS
3.7%

ROIC

S41
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

ROCE

S41
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
S41 vs DFS

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Performance Gap
S41 vs DFS

Performance Gap Between S41 and DFS
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Performance By Year
S41 vs DFS

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S41
DFS
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