` Comparison: PRL, DFS - Alpha Spread

PRL
vs
DFS

Over the past 12 months, PRL has underperformed DFS, delivering a return of -34% compared to the DFS's +14% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PRL
DFS
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Stocks Compared:
PRL DFS
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Valuation Comparison

PRL Intrinsic Value
69.71 CAD
Undervaluation 65%
Intrinsic Value
Price
DFS Intrinsic Value
212.27 USD
Undervaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Propel Holdings Inc
TSX:PRL
24.51 CAD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
PRL, DFS

PRL
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
Propel Holdings Inc
Revenue
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Revenue

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

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Profitability Comparison

Free Cash Flow
PRL, DFS

PRL
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
Propel Holdings Inc
TSX:PRL
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PRL
0%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Propel Holdings Inc
Discover Financial Services
Not applicable for financial companies

Operating Margin

PRL
21.4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Propel Holdings Inc
Discover Financial Services
Not applicable for financial companies

Net Margin

PRL
11.6%
DFS
24.9%

FCF Margin

PRL
-18.5%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Propel Holdings Inc
Discover Financial Services
Not applicable for financial companies

ROE

PRL
33.6%
DFS
32.8%

ROA

PRL
12.1%
DFS
3.7%

ROIC

PRL
18.1%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Propel Holdings Inc
Discover Financial Services
Not applicable for financial companies

ROCE

PRL
24.9%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Propel Holdings Inc
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PRL, DFS

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PRL
DFS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PRL, DFS

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

Performance By Year
PRL, DFS

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PRL
DFS
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