` Comparison: SMP vs PYPL - Alpha Spread
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SMP
vs
PYPL

Over the past 12 months, SMP has significantly outperformed PYPL, delivering a return of +95% compared to the PYPL's 35% drop.

Valuation Growth Profitability Solvency Stocks Performance
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SMP
PYPL
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Stocks Compared:
SMP PYPL
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Valuation Comparison

SMP Intrinsic Value
1.68 AUD
Undervaluation 38%
Intrinsic Value
Price
PYPL Intrinsic Value
94.298 USD
Undervaluation 50%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SmartPay Holdings Ltd
ASX:SMP
1.045 AUD
PayPal Holdings Inc
NASDAQ:PYPL
46.995 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
SMP, PYPL

SMP
PYPL
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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
SmartPay Holdings Ltd
Revenue
PayPal Holdings Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
SMP, PYPL

SMP
PYPL
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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
SmartPay Holdings Ltd
ASX:SMP
PayPal Holdings Inc
NASDAQ:PYPL
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What is Free Cash Flow?

Gross Margin

SMP
23.9%
PYPL
41.5%

Operating Margin

SMP
1.5%
PYPL
19.3%

Net Margin

SMP
-0.7%
PYPL
15.8%

FCF Margin

SMP
-9%
PYPL
16.8%

ROE

SMP
-1.4%
PYPL
25.7%

ROA

SMP
-0.6%
PYPL
6.5%

ROIC

SMP
11%
PYPL
17.7%

ROCE

SMP
2.2%
PYPL
19.1%

Solvency Comparison

SmartPay Holdings Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
PayPal Holdings Inc
Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SMP, PYPL

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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
SMP, PYPL

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SMP
PYPL
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
SMP, PYPL

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