PayPay Corporation American Depository Shares (PAYP)vsZepp Health Corp (ZEPP)
PAYP
PayPay Corporation American Depository Shares
$21.18
-3.16%
TECHNOLOGY · Cap: $14.80B
ZEPP
Zepp Health Corp
$18.01
-2.28%
TECHNOLOGY · Cap: $270.28M
Smart Verdict
WallStSmart Research — data-driven comparison
PayPay Corporation American Depository Shares generates 137225% more annual revenue ($355.53B vs $258.90M). PAYP leads profitability with a 31.3% profit margin vs -15.5%. PAYP earns a higher WallStSmart Score of 68/100 (B-).
PAYP
Strong Buy68
out of 100
Grade: B-
ZEPP
Hold38
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for PAYP.
Margin of Safety
+48.8%
Fair Value
$46.82
Current Price
$18.01
$28.81 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 31 of every $100 in revenue as profit
Generating 332.1B in free cash flow
Growing faster than its price suggests
Strong operational efficiency at 24.8%
Revenue surging 23.9% year-over-year
Earnings expanding 27.3% YoY
Reasonable price relative to book value
Revenue surging 43.0% year-over-year
Areas to Watch
ROE of 0.0% — below average capital efficiency
Smaller company, higher risk/reward
ROE of -17.2% — below average capital efficiency
Earnings declined 68.1%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : PAYP
The strongest argument for PAYP centers on Profit Margin, Free Cash Flow, PEG Ratio. Profitability is solid with margins at 31.3% and operating margin at 24.8%. Revenue growth of 23.9% demonstrates continued momentum.
Bull Case : ZEPP
The strongest argument for ZEPP centers on Price/Book, Revenue Growth. Revenue growth of 43.0% demonstrates continued momentum.
Bear Case : PAYP
The primary concerns for PAYP are Return on Equity.
Bear Case : ZEPP
The primary concerns for ZEPP are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
PAYP profiles as a growth stock while ZEPP is a hypergrowth play — different risk/reward profiles.
ZEPP is growing revenue faster at 43.0% — 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 (68/100 vs 38/100), backed by strong 31.3% margins and 23.9% revenue growth. ZEPP offers better value entry with a 48.8% margin of safety. 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.
Zepp Health Corp
TECHNOLOGY · CONSUMER ELECTRONICS · China
Zepp Health Corporation, an activity and biometric data-driven company, develops, manufactures and sells smart wearable technology devices in the People's Republic of China. The company is headquartered in Hefei, the People's Republic of China.
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