` Comparison: HARL, ALV - Alpha Spread

H
HARL
vs
ALV

Over the past 12 months, HARL has significantly outperformed ALV, delivering a return of +152% compared to the ALV's +29% growth.

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HARL
ALV
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Stocks Compared:
HARL ALV
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Valuation Comparison

H
HARL Intrinsic Value
15 572.81 ILS
Undervaluation 17%
Intrinsic Value
Price
ALV Intrinsic Value
677.91 EUR
Undervaluation 43%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
H
Harel Insurance Investments and Financial Services Ltd
TASE:HARL
12 990 ILS
Allianz SE
XETRA:ALV
387.3 EUR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
HARL, ALV

HARL
ALV
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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
H
Harel Insurance Investments and Financial Services Ltd
Revenue
Allianz SE
Revenue

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

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Profitability Comparison

Free Cash Flow
HARL, ALV

HARL
ALV
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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
H
Harel Insurance Investments and Financial Services Ltd
TASE:HARL
FCF is not applicable for financial companies
Allianz SE
XETRA:ALV
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HARL
ALV
LTM 3Y Avg 5Y Avg 10Y Avg
H
Harel Insurance Investments and Financial Services Ltd
Not applicable for financial companies
Allianz SE
Not applicable for financial companies

Operating Margin

HARL
ALV
LTM 3Y Avg 5Y Avg 10Y Avg
H
Harel Insurance Investments and Financial Services Ltd
Not applicable for financial companies
Allianz SE
Not applicable for financial companies

Net Margin

HARL
16.4%
ALV
11%

FCF Margin

HARL
ALV
LTM 3Y Avg 5Y Avg 10Y Avg
H
Harel Insurance Investments and Financial Services Ltd
Not applicable for financial companies
Allianz SE
Not applicable for financial companies

ROE

HARL
23.5%
ALV
25.7%

ROA

HARL
1.5%
ALV
1.5%

ROIC

HARL
ALV
LTM 3Y Avg 5Y Avg 10Y Avg
H
Harel Insurance Investments and Financial Services Ltd
Not applicable for financial companies
Allianz SE
Not applicable for financial companies

ROCE

HARL
ALV
LTM 3Y Avg 5Y Avg 10Y Avg
H
Harel Insurance Investments and Financial Services Ltd
Not applicable for financial companies
Allianz SE
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HARL, ALV

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HARL
ALV
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Performance Gap
HARL, ALV

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HARL
ALV
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HARL, ALV

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HARL
ALV
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