` Comparison: SPL vs SBK - Alpha Spread
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S
SPL
vs
S
SBK

Over the past 12 months, SPL has underperformed SBK, delivering a return of +15% compared to the SBK's +41% growth.

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SPL
SBK
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Stocks Compared:
SPL SBK
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Valuation Comparison

SPL Intrinsic Value
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SBK Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
S
Santander Bank Polska SA
WSE:SPL
579.4 PLN
S
Standard Bank Group Ltd
JSE:SBK
31 005 Zac
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Growth Comparison

Growth Over Time
SPL, SBK

SPL
SBK
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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
Santander Bank Polska SA
Revenue
S
Standard Bank Group Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
SPL, SBK

SPL
SBK
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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
Santander Bank Polska SA
WSE:SPL
FCF is not applicable for financial companies
S
Standard Bank Group Ltd
JSE:SBK
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SPL
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Bank Polska SA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Operating Margin

SPL
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Bank Polska SA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Net Margin

SPL
31%
SBK
17.6%

FCF Margin

SPL
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Bank Polska SA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROE

SPL
17%
SBK
16.8%

ROA

SPL
1.8%
SBK
1.4%

ROIC

SPL
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Bank Polska SA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROCE

SPL
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Bank Polska SA
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Solvency Comparison

S
Santander Bank Polska SA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
S
Standard Bank Group Ltd
Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SPL, SBK

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SPL
SBK
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Performance Gap
SPL, SBK

Performance Gap Between SPL and SBK
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Performance By Year
SPL, SBK

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SPL
SBK
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