WallStSmart

PLDT Inc ADR (PHI)vsSpotify Technology SA (SPOT)

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Smart Verdict

WallStSmart Research — data-driven comparison

PLDT Inc ADR generates 1074% more annual revenue ($220.89B vs $18.81B). SPOT leads profitability with a 15.7% profit margin vs 13.1%. SPOT appears more attractively valued with a PEG of 1.49. SPOT earns a higher WallStSmart Score of 56/100 (C).

PHI

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 7.5Value: 7.3Quality: 2.5
Piotroski: 2/9Altman Z: 0.70

SPOT

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 8.0Value: 4.0Quality: 8.0
Piotroski: 4/9Altman Z: 2.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PHIUndervalued (+88.1%)

Margin of Safety

+88.1%

Fair Value

$206.05

Current Price

$18.26

$187.79 discount

UndervaluedFair: $206.05Overvalued
SPOTSignificantly Overvalued (-51.8%)

Margin of Safety

-51.8%

Fair Value

$321.01

Current Price

$603.01

$282.00 premium

UndervaluedFair: $321.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PHI5 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Free Cash FlowQuality
$11.68B10/10

Generating 11.7B in free cash flow

Return on EquityProfitability
24.1%9/10

Every $100 of equity generates 24 in profit

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
26.0%8/10

Strong operational efficiency at 26.0%

SPOT4 strengths · Avg: 9.3/10
Return on EquityProfitability
30.6%10/10

Every $100 of equity generates 31 in profit

Debt/EquityHealth
0.0510/10

Conservative balance sheet, low leverage

Market CapQuality
$114.19B9/10

Large-cap with strong market position

Revenue GrowthGrowth
16.3%8/10

16.3% revenue growth

Areas to Watch

PHI4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
2.1%4/10

2.1% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
2.702/10

Expensive relative to growth rate

EPS GrowthGrowth
-14.0%2/10

Earnings declined 14.0%

SPOT3 concerns · Avg: 3.3/10
P/E RatioValuation
33.9x4/10

Premium valuation, high expectations priced in

Price/BookValuation
12.6x4/10

Trading at 12.6x book value

EPS GrowthGrowth
-24.5%2/10

Earnings declined 24.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : PHI

The strongest argument for PHI centers on P/E Ratio, Free Cash Flow, Return on Equity.

Bull Case : SPOT

The strongest argument for SPOT centers on Return on Equity, Debt/Equity, Market Cap. Profitability is solid with margins at 15.7% and operating margin at 13.5%. Revenue growth of 16.3% demonstrates continued momentum.

Bear Case : PHI

The primary concerns for PHI are Revenue Growth, Piotroski F-Score, PEG Ratio. Debt-to-equity of 2.70 is elevated, increasing financial risk.

Bear Case : SPOT

The primary concerns for SPOT are P/E Ratio, Price/Book, EPS Growth.

Key Dynamics to Monitor

PHI profiles as a value stock while SPOT is a growth play — different risk/reward profiles.

SPOT carries more volatility with a beta of 1.61 — expect wider price swings.

SPOT is growing revenue faster at 16.3% — sustainability is the question.

PHI generates stronger free cash flow (11.7B), providing more financial flexibility.

Bottom Line

PHI scores higher overall (56/100 vs 56/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

PLDT Inc ADR

COMMUNICATION SERVICES · TELECOM SERVICES · USA

PLDT Inc. is an integrated telecommunications company in the Philippines. The company is headquartered in Makati City, the Philippines.

Spotify Technology SA

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

Spotify Technology SA, provides audio streaming services worldwide. The company is headquartered in Luxembourg, Luxembourg.

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