` Comparison: WISE, PYPL - Alpha Spread

W
WISE
vs
PYPL

Over the past 12 months, WISE has outperformed PYPL, delivering a return of -14% compared to the PYPL's 32% drop.

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

W
WISE Intrinsic Value
673.65 GBX
Overvaluation 24%
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
W
Wise PLC
LSE:WISE
890.5 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
WISE, PYPL

WISE
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
W
Wise 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
WISE, PYPL

WISE
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
W
Wise PLC
LSE:WISE
PayPal Holdings Inc
NASDAQ:PYPL
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What is Free Cash Flow?

Gross Margin

WISE
79.2%
PYPL
41.6%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

Operating Margin

WISE
29.9%
PYPL
19.2%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

Net Margin

WISE
22.5%
PYPL
15%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

FCF Margin

WISE
307.9%
PYPL
16.9%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROE

WISE
29.7%
PYPL
24.4%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROA

WISE
2%
PYPL
6%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROIC

WISE
3.4%
PYPL
17.5%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROCE

WISE
33.6%
PYPL
18.5%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
WISE, PYPL

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PYPL
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Performance Gap
WISE, PYPL

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

Performance By Year
WISE, PYPL

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PYPL
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