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STOCK COMPARISON

Japay vs Philip Morris International: Fair Value & Quality

Both stocks run through our valuation models. Here is how Japay (JAPAY) and Philip Morris International (PM) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Japay as the less overvalued of the two: Japay trades at $22.50 versus a fair value of $15.21 (-32%), while Philip Morris International trades at $190 versus $104 (-45%).
Japay
JAPAY · USD · Consumer Staples
-32%
upside to fair value
overvalued
Price$22.50
Fair Value$15.21
Quality66/100
Philip Morris International
PM · USD · Consumer Staples
-45%
upside to fair value
overvalued
Price$190
Fair Value$104
Quality79/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

JapayPhilip Morris International
Valuation
21.4×P/E (TTM)25.4×
P/S (TTM)7.13×
EV/EBITDA18.1×
1.22×PEG2.52×
4.0%Dividend yield3.2%
$234Dividend per share$5.76
Profitability
15%Net margin27%
33%Operating margin36%
14%Return on equity
7%Return on assets15%
Growth
12%Revenue growth (YoY)9%
11.0%Avg. growth/yr (3Y)8.6%
11.7%Avg. growth/yr (5Y)7.2%
Balance & size
0.39×Debt / equity
$67BMarket cap$296B
healthyGrowth qualityhealthy

Japay leads: 6 to 3 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Japayof which business quality 60 · market factors 86 Philip Morris Internationalof which business quality 74 · market factors 70
ProfitabilityMargins and returns on capital today
47
76
Quality GrowthAre margins and returns improving?
79
63
CashflowEarnings quality: real cash, not paper profit
51
81
Fin. StrengthBalance sheet, leverage, solvency risk
48
62
InvestmentDisciplined investing over empire-building
73
85
Low VolatilityCalm price path (market factor)
91
86
MomentumPrice trend over the last 3–12 months (market factor)
74
57
52W MomentumDistance to the 52-week high (market factor)
100
76
Net IssuanceBuybacks instead of dilution
82
80

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Japay

DCF Models$15.73
Earnings-Based$13.29
Multiples$21.32
Asset-Based$5.75
Growth DCF$10.16
Economic Profit$11.01
Growth Earnings$18.28

19 of 22 models see the stock below the current price.

Philip Morris International

DCF Models$95.84
Earnings-Based$66.23
Dividend Discount$82.37
Multiples$115
Growth DCF$59.46
Economic Profit$71.82
Growth Earnings$122

22 of 22 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Japay
Bear $10.65Fair Value $15.21Bull $23.81
$22.50 = current price (white tick)
Philip Morris International
Bear $62.46Fair Value $104Bull $148
$190 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Japay · Consumer Staples

Quality score66 · Top 25%
Fair value upside-32% · below median

Philip Morris International · Consumer Staples

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Japay as the less overvalued of the two: Japay trades at $22.50 versus a fair value of $15.21 (-32%), while Philip Morris International trades at $190 versus $104 (-45%).

Philip Morris International has the higher quality score (79/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.