` Comparison: CIEL3, MA - Alpha Spread

CIEL3
vs
MA

Over the past 12 months, CIEL3 has underperformed MA, delivering a return of 0% compared to the MA's +2% growth.

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CIEL3
MA
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CIEL3 MA
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Valuation Comparison

CIEL3 Intrinsic Value
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MA Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Cielo SA
BOVESPA:CIEL3
5.83 BRL
Mastercard Inc
NYSE:MA
540.44 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
CIEL3, MA

CIEL3
MA
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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
Mastercard Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
CIEL3, MA

CIEL3
MA
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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
Mastercard Inc
NYSE:MA
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What is Free Cash Flow?

Gross Margin

CIEL3
45.8%
MA
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

Operating Margin

CIEL3
25.2%
MA
59.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

Net Margin

CIEL3
17.5%
MA
45.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

FCF Margin

CIEL3
77%
MA
51.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

ROE

CIEL3
15.2%
MA
185.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

ROA

CIEL3
1.9%
MA
28.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

ROIC

CIEL3
7.3%
MA
39.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

ROCE

CIEL3
10.7%
MA
59.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Cielo SA
Mastercard Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CIEL3, MA

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CIEL3
MA
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Performance Gap
CIEL3, MA

Performance Gap Between CIEL3 and MA
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Performance By Year
CIEL3, MA

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CIEL3
MA
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