Affirm Holdings Inc (AFRM)vsPayPal Holdings Inc (PYPL)
AFRM
Affirm Holdings Inc
$72.20
-0.51%
FINANCIAL SERVICES · Cap: $22.16B
PYPL
PayPal Holdings Inc
$42.34
-1.51%
FINANCIAL SERVICES · Cap: $36.63B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 749% more annual revenue ($33.73B vs $3.97B). PYPL leads profitability with a 15.0% profit margin vs 9.6%. AFRM appears more attractively valued with a PEG of 0.65. PYPL earns a higher WallStSmart Score of 72/100 (B).
AFRM
Buy63
out of 100
Grade: C+
PYPL
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 32.6% year-over-year
Earnings expanding 3529.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Revenue Growth, EPS Growth, PEG Ratio. Revenue growth of 32.6% demonstrates continued momentum. PEG of 0.65 suggests the stock is reasonably priced for its growth.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : AFRM
The primary concerns for AFRM are P/E Ratio, Altman Z-Score, Debt/Equity. A P/E of 60.1x leaves little room for execution misses. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
AFRM profiles as a hypergrowth stock while PYPL is a value play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.70 — expect wider price swings.
AFRM is growing revenue faster at 32.6% — sustainability is the question.
PYPL generates stronger free cash flow (911M), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (72/100 vs 63/100). 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.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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