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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 0.8x - 0.8x | 0.8x |
| Historical Pb Multiple | 0.4x - 0.8x | 0.5x |
| Fair Value | €38.60 - €42.67 | €40.64 |
| Upside | 17.0% - 29.3% | 23.1% |
| Benchmarks | - | Full Ticker |
| Guild Holdings Company | - | NYSE:GHLD |
| Rocket Companies, Inc. | - | NYSE:RKT |
| Mr. Cooper Group Inc. | - | NasdaqCM:COOP |
| UWM Holdings Corporation | - | NYSE:UWMC |
| LendingTree, Inc. | - | NasdaqGS:TREE |
| Onity Group Inc. | - | DB:OW0A |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| GHLD | RKT | COOP | UWMC | TREE | OW0A | |||
| NYSE:GHLD | NYSE:RKT | NasdaqCM:COOP | NYSE:UWMC | NasdaqGS:TREE | DB:OW0A | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 77.1% | NM- | 21.2% | -48.9% | NM- | NM- | ||
| 3Y CAGR | -30.0% | -54.3% | -22.4% | -47.3% | NM- | 22.7% | ||
| Latest Twelve Months | 67.7% | -85.6% | -10.6% | -207.6% | 59.1% | 269.7% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 13.4% | 22.5% | 30.5% | 32.9% | -8.2% | 0.0% | ||
| Prior Fiscal Year | -5.4% | -0.4% | 27.9% | -0.6% | -18.2% | -6.0% | ||
| Latest Fiscal Year | 8.4% | 0.5% | 30.1% | 0.6% | -4.6% | 3.4% | ||
| Latest Twelve Months | 4.0% | 0.1% | 25.9% | -0.3% | -5.7% | 2.5% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 26.1% | 13.9% | 24.8% | 98.8% | -30.1% | -0.1% | ||
| Prior Fiscal Year | -3.2% | -2.6% | 12.0% | -10.3% | -73.7% | -14.8% | ||
| Latest Twelve Months | 3.7% | 0.4% | 12.4% | -5.7% | -46.8% | 5.5% | ||
| Next Fiscal Year | 8.4% | 72.5% | 16.0% | 122.4% | 39.7% | 15.7% | ||
| Two Fiscal Years Forward | 8.2% | 69.7% | 16.5% | 85.7% | 33.8% | 16.0% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 0.7x | 4.6x | 3.3x | 2.7x | 0.5x | 0.3x | ||
| Price / LTM EPS | 18.7x | 619.1x | 12.7x | -105.9x | -9.5x | 12.3x | ||
| Price / Book | 0.7x | 39.8x | 1.5x | 40.8x | 5.0x | 0.7x | ||
| Price / Fwd Book | 0.6x | 1.1x | 1.3x | 1.5x | 3.3x | 0.6x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.7x | 5.0x | 40.8x | |||||
| Historical P/B Ratio | 0.4x | 0.5x | 0.8x | |||||
| Selected P/B Multiple | 0.8x | 0.8x | 0.8x | |||||
| (x) Book Value | 460 | 460 | 460 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | GHLD | RKT | COOP | UWMC | TREE | OW0A | |
| Value of Common Equity | 837 | 1,639 | 7,326 | 852 | 524 | 297 | |
| (/) Shares Outstanding | 61.9 | 147.5 | 64.0 | 201.4 | 13.5 | 8.0 | |
| Implied Stock Price | 13.53 | 11.11 | 114.50 | 4.23 | 38.70 | 37.14 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.13 | |
| Implied Stock Price (Trading Cur) | 13.53 | 11.11 | 114.50 | 4.23 | 38.70 | 33.00 | |
| Trading Currency | USD | USD | USD | USD | USD | EUR | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.13 | |