` Comparison: AI, PFSI - Alpha Spread

AI
vs
PFSI

Over the past 12 months, AI has underperformed PFSI, delivering a return of +3% compared to the PFSI's +24% growth.

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AI
PFSI
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Stocks Compared:
AI PFSI
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Valuation Comparison

AI Intrinsic Value
11.81 CAD
Undervaluation 2%
Intrinsic Value
Price
PFSI Intrinsic Value
292.12 USD
Undervaluation 55%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Atrium Mortgage Investment Corp
TSX:AI
11.55 CAD
PennyMac Financial Services Inc
NYSE:PFSI
130.48 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
AI, PFSI

AI
PFSI
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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
Atrium Mortgage Investment Corp
Revenue
PennyMac Financial Services Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
AI, PFSI

AI
PFSI
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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
Atrium Mortgage Investment Corp
TSX:AI
PennyMac Financial Services Inc
NYSE:PFSI
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What is Free Cash Flow?

Gross Margin

AI
0%
PFSI
68.1%

Operating Margin

AI
81.5%
PFSI
19%

Net Margin

AI
57.1%
PFSI
17.2%

FCF Margin

AI
8.9%
PFSI
-67.1%

ROE

AI
9.7%
PFSI
12.6%

ROA

AI
5.5%
PFSI
2.1%

ROIC

AI
7.9%
PFSI
2.2%

ROCE

AI
10.2%
PFSI
3.7%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
AI, PFSI

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PFSI
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Performance Gap
AI, PFSI

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AI
PFSI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
AI, PFSI

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PFSI
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