` QLIRO (Qliro AB) vs DFS (Discover Financial Services) Comparison - Alpha Spread
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Q
QLIRO
vs
DFS

Over the past 12 months, QLIRO has underperformed DFS, delivering a return of -14% compared to the DFS's +21% growth.

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QLIRO
DFS
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Stocks Compared:
QLIRO DFS
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Valuation Comparison

Q
QLIRO Intrinsic Value
44.03 SEK
Undervaluation 59%
Intrinsic Value
Price kr18
DFS Intrinsic Value
219.33 USD
Undervaluation 9%
Intrinsic Value
Price $200.05
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Q
Qliro AB
STO:QLIRO
18 SEK
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
QLIRO, DFS

QLIRO
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
Q
Qliro AB
Revenue
Discover Financial Services
Revenue

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

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Profitability Comparison

Free Cash Flow
QLIRO, DFS

QLIRO
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
Q
Qliro AB
STO:QLIRO
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

QLIRO
176.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services
Not applicable for financial companies

Operating Margin

QLIRO
-9.4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services
Not applicable for financial companies

Net Margin

QLIRO
-33.7%
DFS
24.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services

FCF Margin

QLIRO
-185.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services
Not applicable for financial companies

ROE

QLIRO
-16.3%
DFS
32.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services

ROA

QLIRO
-2.7%
DFS
3.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services

ROIC

QLIRO
-0.7%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services
Not applicable for financial companies

ROCE

QLIRO
-3.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Q
Qliro AB
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

Q
Qliro AB
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Discover Financial Services
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
QLIRO, DFS

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QLIRO
DFS
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Performance Gap
QLIRO, DFS

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QLIRO
DFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
QLIRO, DFS

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QLIRO
DFS
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vs QLIRO
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