WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PLDT Inc ADR generates 1120% more annual revenue ($220.89B vs $18.11B). SPOT leads profitability with a 18.4% profit margin vs 13.1%. SPOT appears more attractively valued with a PEG of 1.44. SPOT earns a higher WallStSmart Score of 66/100 (B-).

PHI

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 7.5Value: 7.3Quality: 2.5
Piotroski: 3/9Altman Z: 0.64

SPOT

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 8.0Value: 4.7Quality: 8.0
Piotroski: 4/9Altman Z: 2.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PHIUndervalued (+87.5%)

Margin of Safety

+87.5%

Fair Value

$196.05

Current Price

$17.72

$178.33 discount

UndervaluedFair: $196.05Overvalued
SPOTSignificantly Overvalued (-58.1%)

Margin of Safety

-58.1%

Fair Value

$308.12

Current Price

$501.30

$193.18 premium

UndervaluedFair: $308.12Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PHI5 strengths · Avg: 8.6/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
24.1%9/10

Every $100 of equity generates 24 in profit

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
26.0%8/10

Strong operational efficiency at 26.0%

Free Cash FlowQuality
$8.70B8/10

Generating 8.7B in free cash flow

SPOT4 strengths · Avg: 9.8/10
Return on EquityProfitability
39.8%10/10

Every $100 of equity generates 40 in profit

EPS GrowthGrowth
222.4%10/10

Earnings expanding 222.4% YoY

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Market CapQuality
$104.73B9/10

Large-cap with strong market position

Areas to Watch

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

2.1% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.702/10

Expensive relative to growth rate

EPS GrowthGrowth
-14.0%2/10

Earnings declined 14.0%

SPOT2 concerns · Avg: 4.0/10
P/E RatioValuation
27.9x4/10

Moderate valuation

Price/BookValuation
10.5x4/10

Trading at 10.5x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : PHI

The strongest argument for PHI centers on P/E Ratio, Return on Equity, Price/Book.

Bull Case : SPOT

The strongest argument for SPOT centers on Return on Equity, EPS Growth, Debt/Equity. Profitability is solid with margins at 18.4% and operating margin at 13.7%. Revenue growth of 13.9% 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.

Key Dynamics to Monitor

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

SPOT carries more volatility with a beta of 1.59 — expect wider price swings.

SPOT is growing revenue faster at 13.9% — sustainability is the question.

PHI generates stronger free cash flow (8.7B), providing more financial flexibility.

Bottom Line

SPOT scores higher overall (66/100 vs 56/100), backed by strong 18.4% margins and 13.9% revenue growth. PHI offers better value entry with a 87.5% margin of safety. Both earn "Strong 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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