` Comparison: SPY, PYPL - Alpha Spread

SPY
vs
PYPL

Over the past 12 months, SPY has significantly outperformed PYPL, delivering a return of +82% compared to the PYPL's 28% drop.

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

SPY Intrinsic Value
2.064 NZD
Undervaluation 42%
Intrinsic Value
Price
PYPL Intrinsic Value
93.77 USD
Undervaluation 35%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SmartPay Holdings Ltd
NZX:SPY
1.195 NZD
PayPal Holdings Inc
NASDAQ:PYPL
60.85 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
SPY, PYPL

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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
SmartPay Holdings Ltd
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
SPY, PYPL

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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
SmartPay Holdings Ltd
NZX:SPY
PayPal Holdings Inc
NASDAQ:PYPL
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What is Free Cash Flow?

Gross Margin

SPY
23.9%
PYPL
41.6%

Operating Margin

SPY
1.5%
PYPL
19.2%

Net Margin

SPY
-0.7%
PYPL
15%

FCF Margin

SPY
-9%
PYPL
16.9%

ROE

SPY
-1.4%
PYPL
24.4%

ROA

SPY
-0.6%
PYPL
6%

ROIC

SPY
11%
PYPL
17.5%

ROCE

SPY
2.2%
PYPL
18.5%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SPY, PYPL

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Performance Gap
SPY, PYPL

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

Performance By Year
SPY, PYPL

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