WallStSmart

Ryanair Holdings PLC ADR (RYAAY)vsSurf Air Mobility Inc. (SRFM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ryanair Holdings PLC ADR generates 14286% more annual revenue ($15.33B vs $106.56M). RYAAY leads profitability with a 14.6% profit margin vs -103.8%. RYAAY earns a higher WallStSmart Score of 57/100 (C).

RYAAY

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 7.0Value: 7.3Quality: 6.0
Piotroski: 4/9Altman Z: 1.85

SRFM

Avoid

27

out of 100

Grade: F

Growth: 5.3Profit: 2.5Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: -9.37
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RYAAYSignificantly Overvalued (-94.4%)

Margin of Safety

-94.4%

Fair Value

$33.46

Current Price

$61.37

$27.91 premium

UndervaluedFair: $33.46Overvalued

Intrinsic value data unavailable for SRFM.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RYAAY4 strengths · Avg: 8.5/10
Return on EquityProfitability
26.4%9/10

Every $100 of equity generates 26 in profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.838/10

Growing faster than its price suggests

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

SRFM1 strengths · Avg: 10.0/10
Debt/EquityHealth
-0.2610/10

Conservative balance sheet, low leverage

Areas to Watch

RYAAY4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

EPS GrowthGrowth
-79.0%2/10

Earnings declined 79.0%

Free Cash FlowQuality
$-392.53M2/10

Negative free cash flow — burning cash

SRFM4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$100.86M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : RYAAY

The strongest argument for RYAAY centers on Return on Equity, Debt/Equity, PEG Ratio. PEG of 0.83 suggests the stock is reasonably priced for its growth.

Bull Case : SRFM

The strongest argument for SRFM centers on Debt/Equity.

Bear Case : RYAAY

The primary concerns for RYAAY are Altman Z-Score, Operating Margin, EPS Growth.

Bear Case : SRFM

The primary concerns for SRFM are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

RYAAY profiles as a value stock while SRFM is a turnaround play — different risk/reward profiles.

SRFM carries more volatility with a beta of 3.04 — expect wider price swings.

RYAAY is growing revenue faster at 8.6% — sustainability is the question.

SRFM generates stronger free cash flow (-24M), providing more financial flexibility.

Bottom Line

RYAAY scores higher overall (57/100 vs 27/100). Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Ryanair Holdings PLC ADR

INDUSTRIALS · AIRLINES · USA

Ryanair Holdings plc, offers regular passenger airline services in Ireland, the United Kingdom, Italy, Spain, Germany and other European countries. The company is headquartered in Swords, Ireland.

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Surf Air Mobility Inc.

INDUSTRIALS · AIRLINES · USA

Surf Air Mobility Inc. is a forward-thinking transportation company focused on revolutionizing air travel through sustainable and innovative solutions. By developing hybrid-electric aircraft and enhancing regional connectivity, the company aims to minimize carbon emissions and meet the growing demand for efficient air travel in a post-pandemic environment. Positioned strategically within the market, Surf Air Mobility leverages key partnerships and advanced technologies to deliver eco-friendly flight services, thereby establishing itself as a leader in the future of sustainable aviation.

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