` Comparison: PAY, PYPL - Alpha Spread

PAY
vs
PYPL

Over the past 12 months, PAY has underperformed PYPL, delivering a return of -37% compared to the PYPL's 32% drop.

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

PAY Intrinsic Value
1 051.875 GBX
Undervaluation 55%
Intrinsic Value
Price
PYPL Intrinsic Value
98.71 USD
Undervaluation 40%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
PayPoint plc
LSE:PAY
469.025 GBX
PayPal Holdings Inc
NASDAQ:PYPL
59.44 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
PAY, PYPL

PAY
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
PayPoint plc
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
PAY, PYPL

PAY
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
PayPoint plc
LSE:PAY
PayPal Holdings Inc
NASDAQ:PYPL
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What is Free Cash Flow?

Gross Margin

PAY
42.2%
PYPL
41.6%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

Operating Margin

PAY
16.6%
PYPL
19.2%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

Net Margin

PAY
5.2%
PYPL
15%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

FCF Margin

PAY
3.4%
PYPL
16.9%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

ROE

PAY
16.3%
PYPL
24.4%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

ROA

PAY
2.8%
PYPL
6%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

ROIC

PAY
19.6%
PYPL
17.5%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

ROCE

PAY
22.6%
PYPL
18.5%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
PayPal Holdings Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PAY, PYPL

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

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

Performance By Year
PAY, PYPL

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PAY
PYPL
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