` Comparison: PAY, MA - Alpha Spread

PAY
vs
MA

Over the past 12 months, PAY has underperformed MA, delivering a return of -37% compared to the MA's +10% growth.

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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
473.5 GBX
Mastercard Inc
NYSE:MA
570.74 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
45.3%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

FCF Margin

PAY
3.4%
MA
51.8%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROE

PAY
16.3%
MA
185.7%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROA

PAY
2.8%
MA
28.4%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROIC

PAY
19.6%
MA
39.4%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

ROCE

PAY
22.6%
MA
59.5%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPoint plc
Mastercard Inc

Solvency Comparison

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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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