` Comparison: FM7, PNC - Alpha Spread

P
FM7
vs
PNC

Over the past 12 months, FM7 has underperformed PNC, delivering a return of -13% compared to the PNC's +11% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FM7
PNC
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Stocks Compared:
FM7 PNC
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Valuation Comparison

P
FM7 Intrinsic Value
87.09 EUR
Undervaluation 28%
Intrinsic Value
Price
PNC Intrinsic Value
232.98 USD
Undervaluation 10%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
P
Pathward Financial Inc
SWB:FM7
63 EUR
PNC Financial Services Group Inc
NYSE:PNC
210.3 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
FM7, PNC

FM7
PNC
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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
P
Pathward Financial Inc
Revenue
PNC Financial Services Group Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
FM7, PNC

FM7
PNC
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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
P
Pathward Financial Inc
SWB:FM7
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FM7
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Pathward Financial Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

FM7
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Pathward Financial Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

FM7
22.1%
PNC
27.3%

FCF Margin

FM7
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Pathward Financial Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

FM7
21.8%
PNC
10.7%

ROA

FM7
2.5%
PNC
1.1%

ROIC

FM7
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Pathward Financial Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

FM7
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
P
Pathward Financial Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FM7, PNC

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FM7
PNC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FM7, PNC

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FM7
PNC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FM7, PNC

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FM7
PNC
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