` Comparison: PAY, V - Alpha Spread

PAY
vs
V

Over the past 12 months, PAY has significantly outperformed V, delivering a return of +82% compared to the V's +9% growth.

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

PAY Intrinsic Value
Not Available
V Intrinsic Value
233.68 USD
Overvaluation 32%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Payfare Inc
TSX:PAY
4 CAD
Visa Inc
NYSE:V
346.03 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PAY, V

PAY
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
Payfare 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
PAY, V

PAY
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
Payfare Inc
TSX:PAY
Visa Inc
NYSE:V
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What is Free Cash Flow?

Gross Margin

PAY
25.7%
V
80.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

Operating Margin

PAY
7.8%
V
66.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

Net Margin

PAY
8.9%
V
49.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

FCF Margin

PAY
12.6%
V
53.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

ROE

PAY
25.4%
V
51.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

ROA

PAY
6.1%
V
20.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

ROIC

PAY
7.4%
V
27.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

ROCE

PAY
22.1%
V
40.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Payfare Inc
Visa Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PAY, V

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

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

Performance By Year
PAY, V

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PAY
V
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