WallStSmart

NVIDIA Corporation (NVDA)vsPayPay Corporation American Depository Shares (PAYP)

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Smart Verdict

WallStSmart Research — data-driven comparison

PayPay Corporation American Depository Shares generates 33% more annual revenue ($401.59B vs $302.97B). NVDA leads profitability with a 63.7% profit margin vs 30.6%. NVDA appears more attractively valued with a PEG of 0.25. NVDA earns a higher WallStSmart Score of 80/100 (A-).

NVDA

Exceptional Buy

80

out of 100

Grade: A-

Growth: 10.0Profit: 10.0Value: 6.0Quality: 8.5
Piotroski: 3/9Altman Z: 6.75

PAYP

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 8.5Value: 5.7Quality: 5.0
Piotroski: 4/9Altman Z: 0.84
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NVDASignificantly Overvalued (-43.1%)

Margin of Safety

-43.1%

Fair Value

$143.03

Current Price

$204.64

$61.61 premium

UndervaluedFair: $143.03Overvalued

Intrinsic value data unavailable for PAYP.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVDA6 strengths · Avg: 10.0/10
Market CapQuality
$4.94T10/10

Mega-cap, among the largest globally

PEG RatioValuation
0.2510/10

Growing faster than its price suggests

Return on EquityProfitability
84.2%10/10

Every $100 of equity generates 84 in profit

Profit MarginProfitability
63.7%10/10

Keeps 64 of every $100 in revenue as profit

Operating MarginProfitability
66.2%10/10

Strong operational efficiency at 66.2%

Revenue GrowthGrowth
105.9%10/10

Revenue surging 105.9% year-over-year

PAYP6 strengths · Avg: 8.8/10
Profit MarginProfitability
30.6%10/10

Keeps 31 of every $100 in revenue as profit

EPS GrowthGrowth
62.2%10/10

Earnings expanding 62.2% YoY

Return on EquityProfitability
29.8%9/10

Every $100 of equity generates 30 in profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Operating MarginProfitability
27.4%8/10

Strong operational efficiency at 27.4%

Revenue GrowthGrowth
27.0%8/10

Revenue surging 27.0% year-over-year

Areas to Watch

NVDA3 concerns · Avg: 3.0/10
P/E RatioValuation
25.9x4/10

Moderate valuation

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Price/BookValuation
21.6x2/10

Trading at 21.6x book value

PAYP4 concerns · Avg: 2.8/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

Debt/EquityHealth
1.853/10

Elevated debt levels

Free Cash FlowQuality
$-60.13B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.842/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : NVDA

The strongest argument for NVDA centers on Market Cap, PEG Ratio, Return on Equity. Profitability is solid with margins at 63.7% and operating margin at 66.2%. Revenue growth of 105.9% demonstrates continued momentum.

Bull Case : PAYP

The strongest argument for PAYP centers on Profit Margin, EPS Growth, Return on Equity. Profitability is solid with margins at 30.6% and operating margin at 27.4%. Revenue growth of 27.0% demonstrates continued momentum.

Bear Case : NVDA

The primary concerns for NVDA are P/E Ratio, Piotroski F-Score, Price/Book.

Bear Case : PAYP

The primary concerns for PAYP are PEG Ratio, Debt/Equity, Free Cash Flow. Debt-to-equity of 1.85 is elevated, increasing financial risk.

Key Dynamics to Monitor

NVDA is growing revenue faster at 105.9% — sustainability is the question.

NVDA generates stronger free cash flow (21.4B), providing more financial flexibility.

Monitor SEMICONDUCTORS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NVDA scores higher overall (80/100 vs 78/100), backed by strong 63.7% margins and 105.9% revenue growth. Both earn "Exceptional Buy" and "Strong 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.

NVIDIA Corporation

TECHNOLOGY · SEMICONDUCTORS · USA

Nvidia Corporation is an American multinational technology company incorporated in Delaware and based in Santa Clara, California. It designs graphics processing units (GPUs) for the gaming and professional markets, as well as system on a chip units (SoCs) for the mobile computing and automotive market.

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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.

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