` Comparison: MPY, V - Alpha Spread

m
MPY
vs
V

Over the past 12 months, MPY has underperformed V, delivering a return of -23% compared to the V's +14% growth.

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MPY
V
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Stocks Compared:
MPY V
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Valuation Comparison

m
MPY Intrinsic Value
0.495 PLN
Undervaluation 47%
Intrinsic Value
Price
V Intrinsic Value
233.21 USD
Overvaluation 34%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
m
mPay SA
WSE:MPY
0.262 PLN
Visa Inc
NYSE:V
353.8 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
MPY, V

MPY
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
m
mPay SA
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
MPY, V

MPY
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
m
mPay SA
WSE:MPY
Visa Inc
NYSE:V
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What is Free Cash Flow?

Gross Margin

MPY
27.1%
V
80.4%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

Operating Margin

MPY
8.8%
V
66.4%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

Net Margin

MPY
0.3%
V
49.6%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

FCF Margin

MPY
-33.5%
V
53.9%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

ROE

MPY
0.5%
V
51.5%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

ROA

MPY
0.2%
V
20.5%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

ROIC

MPY
-80.9%
V
27.7%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

ROCE

MPY
11.1%
V
40.1%
LTM 3Y Avg 5Y Avg 10Y Avg
m
mPay SA
Visa Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MPY, V

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V
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Performance Gap
MPY, V

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

Performance By Year
MPY, V

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V
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