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

Over the past 12 months, PYPL has underperformed V, delivering a return of -33% compared to the V's 13% drop.

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

PYPL Intrinsic Value
94.3 USD
Undervaluation 52%
Intrinsic Value
Price $45.23
V Intrinsic Value
226.12 USD
Overvaluation 25%
Intrinsic Value
Price $302.24
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
PayPal Holdings Inc
NASDAQ:PYPL
45.23 USD
Visa Inc
NYSE:V
302.24 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
PYPL, V

PYPL
V
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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
Visa Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PYPL, V

PYPL
V
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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
Visa Inc
NYSE:V
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What is Free Cash Flow?

Gross Margin

PYPL
41.5%
V
81.1%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

Operating Margin

PYPL
19.3%
V
67%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

Net Margin

PYPL
15.8%
V
49.8%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

FCF Margin

PYPL
16.8%
V
55.4%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

ROE

PYPL
25.7%
V
53.4%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

ROA

PYPL
6.5%
V
21.8%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

ROIC

PYPL
17.7%
V
29.7%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

ROCE

PYPL
19.1%
V
43.3%
LTM 3Y Avg 5Y Avg 10Y Avg
PayPal Holdings Inc
Visa Inc

Solvency Comparison

PayPal Holdings Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Visa 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, V

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

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

Performance By Year
PYPL, V

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V
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