` Comparison: HBLN vs ACT - Alpha Spread

HBLN
vs
ACT

Over the past 12 months, HBLN has underperformed ACT, delivering a return of -2% compared to the ACT's +25% growth.

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HBLN
ACT
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Valuation Comparison

HBLN Intrinsic Value
Not Available
ACT Intrinsic Value
53.32 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Hypothekarbank Lenzburg AG
SIX:HBLN
4 080 CHF
Enact Holdings Inc
NASDAQ:ACT
42.12 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HBLN, ACT

HBLN
ACT
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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
Hypothekarbank Lenzburg AG
Revenue
Enact Holdings Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
HBLN, ACT

HBLN
ACT
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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
Hypothekarbank Lenzburg AG
SIX:HBLN
FCF is not applicable for financial companies
Enact Holdings Inc
NASDAQ:ACT
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HBLN
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Hypothekarbank Lenzburg AG
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

Operating Margin

HBLN
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Hypothekarbank Lenzburg AG
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

Net Margin

HBLN
20.3%
ACT
54.6%

FCF Margin

HBLN
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Hypothekarbank Lenzburg AG
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

ROE

HBLN
3.6%
ACT
13%

ROA

HBLN
0.3%
ACT
10.1%

ROIC

HBLN
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Hypothekarbank Lenzburg AG
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

ROCE

HBLN
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Hypothekarbank Lenzburg AG
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HBLN, ACT

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Performance Gap
HBLN, ACT

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HBLN
ACT
Difference
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Performance By Year
HBLN, ACT

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HBLN
ACT
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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