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

Over the past 12 months, PYPL has underperformed MA, delivering a return of -22% compared to the MA's +4% growth.

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

PYPL Intrinsic Value
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MA Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
PayPal Holdings Inc
NASDAQ:PYPL
44.87 USD
Mastercard Inc
NYSE:MA
498.28 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PYPL, MA

PYPL
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
PayPal Holdings Inc
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
PYPL, MA

PYPL
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
PayPal Holdings Inc
NASDAQ:PYPL
Mastercard Inc
NYSE:MA
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What is Free Cash Flow?

Gross Margin

PYPL
41.5%
MA
0%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

Operating Margin

PYPL
19.3%
MA
59.2%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

Net Margin

PYPL
15.8%
MA
45.6%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

FCF Margin

PYPL
16.8%
MA
50.1%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

ROE

PYPL
25.7%
MA
210.5%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

ROA

PYPL
6.5%
MA
29.3%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

ROIC

PYPL
17.7%
MA
38.8%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

ROCE

PYPL
19.1%
MA
64.4%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Mastercard Inc

Solvency Comparison

PayPal Holdings Inc
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
PYPL, MA

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

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

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PYPL
MA
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