` Comparison: WISE, PYPL - Alpha Spread

W
WISE
vs
PYPL

Over the past 12 months, WISE has significantly outperformed PYPL, delivering a return of +53% compared to the PYPL's 3% drop.

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WISE
PYPL
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

W
WISE Intrinsic Value
596.02 GBX
Overvaluation 45%
Intrinsic Value
Price
PYPL Intrinsic Value
98.179 USD
Undervaluation 29%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
W
Wise PLC
LSE:WISE
1 085 GBX
PayPal Holdings Inc
NASDAQ:PYPL
69.855 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

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.

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
What is Free Cash Flow?

Gross Margin

WISE
79.5%
PYPL
41.7%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

Operating Margin

WISE
33.9%
PYPL
19.1%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

Net Margin

WISE
25.3%
PYPL
14.5%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

FCF Margin

WISE
271.1%
PYPL
16.4%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROE

WISE
35.2%
PYPL
22.9%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROA

WISE
2.4%
PYPL
5.7%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROIC

WISE
13.2%
PYPL
17.2%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

ROCE

WISE
41.8%
PYPL
18.1%
LTM 3Y Avg 5Y Avg 10Y Avg
W
Wise PLC
PayPal Holdings Inc

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
WISE, PYPL

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Performance Gap
WISE, PYPL

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WISE
PYPL
Difference
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Performance By Year
WISE, PYPL

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WISE
PYPL
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