` Comparison: CIEL3, PYPL - Alpha Spread

CIEL3
vs
PYPL

Over the past 12 months, CIEL3 has underperformed PYPL, delivering a return of 0% compared to the PYPL's 32% drop.

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CIEL3
PYPL
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Stocks Compared:
CIEL3 PYPL
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Valuation Comparison

CIEL3 Intrinsic Value
7.02 BRL
Undervaluation 17%
Intrinsic Value
Price
PYPL Intrinsic Value
93.71 USD
Undervaluation 35%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Cielo SA
BOVESPA:CIEL3
5.83 BRL
PayPal Holdings Inc
NASDAQ:PYPL
61.16 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
CIEL3, PYPL

CIEL3
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
Cielo SA
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
CIEL3, PYPL

CIEL3
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
Cielo SA
BOVESPA:CIEL3
PayPal Holdings Inc
NASDAQ:PYPL
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What is Free Cash Flow?

Gross Margin

CIEL3
45.8%
PYPL
41.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

Operating Margin

CIEL3
25.2%
PYPL
19.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

Net Margin

CIEL3
17.5%
PYPL
15%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

FCF Margin

CIEL3
77%
PYPL
16.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

ROE

CIEL3
15.2%
PYPL
24.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

ROA

CIEL3
1.9%
PYPL
6%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

ROIC

CIEL3
7.3%
PYPL
17.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

ROCE

CIEL3
10.7%
PYPL
18.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
PayPal Holdings Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CIEL3, PYPL

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PYPL
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Performance Gap
CIEL3, PYPL

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CIEL3
PYPL
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CIEL3, PYPL

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PYPL
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