Navient Corp (NAVI)vsPayPal Holdings Inc (PYPL)
NAVI
Navient Corp
$7.81
+0.51%
FINANCIAL SERVICES · Cap: $804.55M
PYPL
PayPal Holdings Inc
$41.29
+2.31%
FINANCIAL SERVICES · Cap: $36.63B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 10153% more annual revenue ($33.73B vs $329.00M). PYPL leads profitability with a 15.0% profit margin vs -18.5%. NAVI appears more attractively valued with a PEG of 0.14. PYPL earns a higher WallStSmart Score of 72/100 (B).
NAVI
Hold49
out of 100
Grade: D+
PYPL
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 25.6%
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
Smaller company, higher risk/reward
ROE of -2.5% — below average capital efficiency
Revenue declined 0.8%
Earnings declined 59.4%
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : NAVI
The strongest argument for NAVI centers on PEG Ratio, Price/Book, Operating Margin. PEG of 0.14 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 : NAVI
The primary concerns for NAVI are Market Cap, Return on Equity, Revenue Growth. Debt-to-equity of 18.99 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
NAVI profiles as a turnaround stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.34 — expect wider price swings.
PYPL is growing revenue faster at 7.2% — sustainability is the question.
PYPL generates stronger free cash flow (911M), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (72/100 vs 49/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Navient Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
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.
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