WallStSmart

PayPay Corporation American Depository Shares (PAYP)vsTurtle Beach Corporation (TBCH)

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Smart Verdict

WallStSmart Research — data-driven comparison

PayPay Corporation American Depository Shares generates 126593% more annual revenue ($377.78B vs $298.19M). PAYP leads profitability with a 30.4% profit margin vs 0.4%. TBCH appears more attractively valued with a PEG of 1.00. PAYP earns a higher WallStSmart Score of 72/100 (B).

PAYP

Strong Buy

72

out of 100

Grade: B

Growth: 8.7Profit: 8.0Value: 6.3Quality: 5.5
Piotroski: 6/9Altman Z: -0.38

TBCH

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 3.5Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 1.83

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAYP5 strengths · Avg: 9.2/10
Return on EquityProfitability
39.1%10/10

Every $100 of equity generates 39 in profit

Profit MarginProfitability
30.4%10/10

Keeps 30 of every $100 in revenue as profit

Free Cash FlowQuality
$332.06B10/10

Generating 332.1B in free cash flow

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
29.1%8/10

Revenue surging 29.1% year-over-year

TBCH2 strengths · Avg: 8.0/10
PEG RatioValuation
1.008/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

PAYP2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Debt/EquityHealth
2.041/10

Elevated debt levels

TBCH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.834/10

Grey zone — moderate risk

Market CapQuality
$265.76M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
0.4%3/10

0.4% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : PAYP

The strongest argument for PAYP centers on Return on Equity, Profit Margin, Free Cash Flow. Profitability is solid with margins at 30.4% and operating margin at 18.8%. Revenue growth of 29.1% demonstrates continued momentum.

Bull Case : TBCH

The strongest argument for TBCH centers on PEG Ratio, Price/Book. PEG of 1.00 suggests the stock is reasonably priced for its growth.

Bear Case : PAYP

The primary concerns for PAYP are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.04 is elevated, increasing financial risk.

Bear Case : TBCH

The primary concerns for TBCH are Altman Z-Score, Market Cap, Return on Equity. A P/E of 669.5x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

PAYP profiles as a growth stock while TBCH is a value play — different risk/reward profiles.

PAYP is growing revenue faster at 29.1% — sustainability is the question.

PAYP generates stronger free cash flow (332.1B), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PAYP scores higher overall (72/100 vs 43/100), backed by strong 30.4% margins and 29.1% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

PayPay Corporation American Depository Shares

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

PayPay Corporation, a financial technology company, provides a digital finance platform with services that inlclude easy-to-use payments and other financial services in Japan. The company is headquartered in Shinjuku, Japan.

Turtle Beach Corporation

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Turtle Beach Corporation is an audio technology company in North America, Europe, the Middle East, and the Asia Pacific. The company is headquartered in White Plains, New York.

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