` Comparison: PAY vs MA - Alpha Spread
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PAY
vs
MA

Over the past 12 months, PAY has outperformed MA, delivering a return of -2% compared to the MA's 6% drop.

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

PAY 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
PayPoint plc
LSE:PAY
600 GBX
Mastercard Inc
NYSE:MA
522.98 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PAY, MA

PAY
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
PayPoint plc
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
PAY, MA

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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
PayPoint plc
LSE:PAY
Mastercard Inc
NYSE:MA
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What is Free Cash Flow?

Gross Margin

PAY
42.2%
MA
0%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

Operating Margin

PAY
16.6%
MA
59.2%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

Net Margin

PAY
5.2%
MA
45.6%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

FCF Margin

PAY
3.4%
MA
50.1%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROE

PAY
16.3%
MA
210.5%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROA

PAY
2.8%
MA
29.3%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROIC

PAY
19.6%
MA
38.8%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROCE

PAY
22.6%
MA
64.4%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

Solvency Comparison

PayPoint plc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Mastercard Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PAY, MA

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MA
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Performance Gap
PAY, MA

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

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MA
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