WallStSmart

PayPay Corporation American Depository Shares (PAYP)vsSony Group Corp (SONY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sony Group Corp generates 3203% more annual revenue ($12.48T vs $377.78B). PAYP leads profitability with a 30.4% profit margin vs -2.6%. PAYP appears more attractively valued with a PEG of 1.42. 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

SONY

Hold

47

out of 100

Grade: D+

Growth: 5.3Profit: 4.0Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 2.43

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

SONY5 strengths · Avg: 8.8/10
Free Cash FlowQuality
$379.67B10/10

Generating 379.7B in free cash flow

Market CapQuality
$124.55B9/10

Large-cap with strong market position

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.4%8/10

15.4% revenue growth

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

SONY4 concerns · Avg: 2.3/10
PEG RatioValuation
1.924/10

Expensive relative to growth rate

Return on EquityProfitability
-4.2%2/10

ROE of -4.2% — below average capital efficiency

EPS GrowthGrowth
-57.5%2/10

Earnings declined 57.5%

Profit MarginProfitability
-2.6%1/10

Currently unprofitable

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 : SONY

The strongest argument for SONY centers on Free Cash Flow, Market Cap, Debt/Equity. Revenue growth of 15.4% demonstrates continued momentum.

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 : SONY

The primary concerns for SONY are PEG Ratio, Return on Equity, EPS Growth.

Key Dynamics to Monitor

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

SONY generates stronger free cash flow (379.7B), providing more financial flexibility.

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

Bottom Line

PAYP scores higher overall (72/100 vs 47/100), 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.

Sony Group Corp

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Sony Group Corporation designs, develops, produces and sells electronic equipment, instruments and devices for the consumer, professional and industrial markets worldwide. The company is headquartered in Tokyo, Japan.

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