FinVolution Group (FINV)vsPayPal Holdings Inc (PYPL)
FINV
FinVolution Group
$4.74
-2.47%
FINANCIAL SERVICES · Cap: $1.53B
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 140% more annual revenue ($33.17B vs $13.81B). FINV leads profitability with a 20.3% profit margin vs 15.8%. FINV trades at a lower P/E of 4.0x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
FINV
Strong Buy78
out of 100
Grade: B+
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+92.1%
Fair Value
$70.20
Current Price
$4.74
$65.46 discount
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
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 51.8%
Conservative balance sheet, low leverage
Keeps 20 of every $100 in revenue as profit
Earnings expanding 36.6% YoY
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
3.7% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FINV
The strongest argument for FINV centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.3% and operating margin at 51.8%. Revenue growth of 12.9% demonstrates continued momentum.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : FINV
The primary concerns for FINV are Market Cap, Piotroski F-Score.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
FINV profiles as a mature stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.46 — expect wider price swings.
FINV is growing revenue faster at 12.9% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
FINV scores higher overall (78/100 vs 78/100), backed by strong 20.3% margins and 12.9% revenue growth. PYPL offers better value entry with a 82.3% margin of safety. Both earn "Strong Buy" and "Strong 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.
FinVolution Group
FINANCIAL SERVICES · CREDIT SERVICES · China
FinVolution Group, an investment holding company, operates an online consumer finance marketplace in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
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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