Atlanticus Holdings Corp Preferred (ATLCP)vsPayPal Holdings Inc (PYPL)
ATLCP
Atlanticus Holdings Corp Preferred
$24.14
-1.27%
FINANCIAL SERVICES · Cap: $619.02M
PYPL
PayPal Holdings Inc
$59.00
-0.12%
FINANCIAL SERVICES · Cap: $48.94B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 5327% more annual revenue ($34.13B vs $628.89M). ATLCP leads profitability with a 21.4% profit margin vs 14.4%. ATLCP trades at a lower P/E of 3.2x. PYPL earns a higher WallStSmart Score of 63/100 (C+).
ATLCP
Buy59
out of 100
Grade: C
PYPL
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.0%
Revenue surging 60.8% year-over-year
Earnings expanding 50.2% YoY
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLCP
The strongest argument for ATLCP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.4% and operating margin at 31.0%. Revenue growth of 60.8% demonstrates continued momentum.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, Price/Book. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bear Case : ATLCP
The primary concerns for ATLCP are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 9.23 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
ATLCP profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
ATLCP carries more volatility with a beta of 2.05 — expect wider price swings.
ATLCP is growing revenue faster at 60.8% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (63/100 vs 59/100). Both earn "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.
Atlanticus Holdings Corp Preferred
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corp Preferred (ATLCP) stands at the forefront of the alternative finance industry, focusing on innovative credit solutions that enhance financial accessibility for underserved consumers. As a subsidiary of Atlanticus Holdings Corporation, the company leverages advanced technology and data analytics to overcome traditional lending barriers, offering a diverse array of lending platforms backed by strategic partnerships. ATLCP is strategically positioned to capitalize on growth opportunities while fostering responsible lending practices and promoting financial inclusivity. With a commitment to sustainable value creation, the firm not only empowers consumers through essential financial resources but also seeks to provide attractive risk-adjusted returns for its investors.
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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