` Comparison: RFC vs BAJFINANCE - Alpha Spread

RFC
vs
BAJFINANCE

Over the past 12 months, RFC has underperformed BAJFINANCE, delivering a return of 0% compared to the BAJFINANCE's +21% growth.

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RFC
BAJFINANCE
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Valuation Comparison

RFC Intrinsic Value
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BAJFINANCE Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Rifco Inc
XTSX:RFC
1.27 CAD
Bajaj Finance Ltd
NSE:BAJFINANCE
1 021.95 INR
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Valuation Scenario:
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Base Case
Bull Case

Growth Comparison

Growth Over Time
RFC, BAJFINANCE

RFC
BAJFINANCE
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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
Rifco Inc
Revenue
Bajaj Finance Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
RFC, BAJFINANCE

RFC
BAJFINANCE
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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
Rifco Inc
XTSX:RFC
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

RFC
0%
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

Operating Margin

RFC
67.3%
BAJFINANCE
43.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

Net Margin

RFC
15.4%
BAJFINANCE
22.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

FCF Margin

RFC
-14.9%
BAJFINANCE
-83.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

ROE

RFC
18.2%
BAJFINANCE
19%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

ROA

RFC
2.4%
BAJFINANCE
3.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

ROIC

RFC
8.7%
BAJFINANCE
5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

ROCE

RFC
10.7%
BAJFINANCE
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Bajaj Finance Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
RFC, BAJFINANCE

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RFC
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Performance Gap
RFC, BAJFINANCE

Performance Gap Between RFC and BAJFINANCE
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Performance By Year
RFC, BAJFINANCE

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RFC
BAJFINANCE
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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