` Comparison: XAU, IRFC - Alpha Spread

XAU
vs
IRFC

Over the past 12 months, XAU has significantly outperformed IRFC, delivering a return of +14% compared to the IRFC's 26% drop.

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XAU
IRFC
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

XAU Intrinsic Value
53.58 CAD
Undervaluation 84%
Intrinsic Value
Price
IRFC Intrinsic Value
175.79 INR
Undervaluation 23%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
GoldMoney Inc
TSX:XAU
8.64 CAD
Indian Railway Finance Corp Ltd
NSE:IRFC
135.95 INR
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
XAU, IRFC

XAU
IRFC
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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
GoldMoney Inc
Revenue
Indian Railway Finance Corp Ltd
Revenue

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

Profitability Comparison

Free Cash Flow
XAU, IRFC

XAU
IRFC
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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
GoldMoney Inc
TSX:XAU
Indian Railway Finance Corp Ltd
NSE:IRFC
What is Free Cash Flow?

Gross Margin

XAU
33%
IRFC
0%

Operating Margin

XAU
23.3%
IRFC
99.4%

Net Margin

XAU
14%
IRFC
24%

FCF Margin

XAU
47.7%
IRFC
30.3%

ROE

XAU
9.6%
IRFC
12.8%

ROA

XAU
5.5%
IRFC
1.3%

ROIC

XAU
8.9%
IRFC
5.7%

ROCE

XAU
11.4%
IRFC
5.7%

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
XAU, IRFC

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Performance Gap
XAU, IRFC

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XAU
IRFC
Difference
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Performance By Year
XAU, IRFC

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XAU
IRFC
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One-click summary across all key metrics.
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