` Comparison: XTB vs EFGD - Alpha Spread

X
XTB
vs
EFGD

Over the past 12 months, XTB has significantly outperformed EFGD, delivering a return of +37% compared to the EFGD's 0% growth.

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XTB
EFGD
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Valuation Comparison

X
XTB Intrinsic Value
64.14 PLN
Overvaluation 27%
Intrinsic Value
Price
EFGD Intrinsic Value
6.38 USD
Overvaluation 96%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
X
Xtb SA
WSE:XTB
88.46 PLN
EFG Hermes Holdings SAE
LSE:EFGD
182 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
XTB, EFGD

XTB
EFGD
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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
X
Xtb SA
Revenue
EFG Hermes Holdings SAE
Revenue

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

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Profitability Comparison

Free Cash Flow
XTB, EFGD

XTB
EFGD
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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
X
Xtb SA
WSE:XTB
EFG Hermes Holdings SAE
LSE:EFGD
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

XTB
86.7%
EFGD
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE
Not applicable for financial companies

Operating Margin

XTB
39.3%
EFGD
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE
Not applicable for financial companies

Net Margin

XTB
32%
EFGD
14.7%
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE

FCF Margin

XTB
31%
EFGD
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE
Not applicable for financial companies

ROE

XTB
36%
EFGD
11.4%
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE

ROA

XTB
9.3%
EFGD
1.8%
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE

ROIC

XTB
55.6%
EFGD
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE
Not applicable for financial companies

ROCE

XTB
38.2%
EFGD
LTM 3Y Avg 5Y Avg 10Y Avg
X
Xtb SA
EFG Hermes Holdings SAE
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
XTB, EFGD

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Performance Gap
XTB, EFGD

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XTB
EFGD
Difference
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Performance By Year
XTB, EFGD

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XTB
EFGD
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