` Comparison: SHB vs CPI - Alpha Spread

S
SHB
vs
C
CPI

Over the past 12 months, SHB has underperformed CPI, delivering a return of +26% compared to the CPI's +39% growth.

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SHB
CPI
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Valuation Comparison

SHB Intrinsic Value
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CPI Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
S
Sai Gon Ha Noi Commercial Joint Stock Bank
VN:SHB
15 000 VND
C
Capitec Bank Holdings Ltd
JSE:CPI
426 861 Zac
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SHB, CPI

SHB
CPI
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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
S
Sai Gon Ha Noi Commercial Joint Stock Bank
Revenue
C
Capitec Bank Holdings Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
SHB, CPI

SHB
CPI
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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
S
Sai Gon Ha Noi Commercial Joint Stock Bank
VN:SHB
FCF is not applicable for financial companies
C
Capitec Bank Holdings Ltd
JSE:CPI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SHB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Sai Gon Ha Noi Commercial Joint Stock Bank
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Operating Margin

SHB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Sai Gon Ha Noi Commercial Joint Stock Bank
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Net Margin

SHB
41.4%
CPI
24.6%

FCF Margin

SHB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Sai Gon Ha Noi Commercial Joint Stock Bank
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROE

SHB
19.1%
CPI
30.7%

ROA

SHB
1.5%
CPI
6.5%

ROIC

SHB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Sai Gon Ha Noi Commercial Joint Stock Bank
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROCE

SHB
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Sai Gon Ha Noi Commercial Joint Stock Bank
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SHB, CPI

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Performance Gap
SHB, CPI

Performance Gap Between SHB and CPI
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Performance By Year
SHB, CPI

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SHB
CPI
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Compare SHB to other stocks
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JPMorgan Chase & Co
Cheaper
vs SHB
SBK
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Cheaper
vs SHB
BAC
Bank of America Corp
Cheaper
vs SHB
601398
Industrial and Commercial Bank...
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vs SHB
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett