` Comparison: SPY, V - Alpha Spread

SPY
vs
V

Over the past 12 months, SPY has significantly outperformed V, delivering a return of +85% compared to the V's +5% growth.

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

SPY Intrinsic Value
1.94 NZD
Undervaluation 38%
Intrinsic Value
Price
V Intrinsic Value
233.62 USD
Overvaluation 29%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SmartPay Holdings Ltd
NZX:SPY
1.195 NZD
Visa Inc
NYSE:V
326.84 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
SPY, V

SPY
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
SmartPay Holdings Ltd
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
SPY, V

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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
SmartPay Holdings Ltd
NZX:SPY
Visa Inc
NYSE:V
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What is Free Cash Flow?

Gross Margin

SPY
23.9%
V
80.4%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

Operating Margin

SPY
1.5%
V
66.4%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

Net Margin

SPY
-0.7%
V
49.6%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

FCF Margin

SPY
-9%
V
53.9%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

ROE

SPY
-1.4%
V
51.5%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

ROA

SPY
-0.6%
V
20.5%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

ROIC

SPY
11%
V
27.7%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

ROCE

SPY
2.2%
V
40.1%
LTM 3Y Avg 5Y Avg 10Y Avg
SmartPay Holdings Ltd
Visa Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SPY, V

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V
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Performance Gap
SPY, V

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

Performance By Year
SPY, V

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V
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