PayPal Holdings Inc (PYPL)vs360 Finance Inc (QFIN)
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
QFIN
360 Finance Inc
$13.12
-0.15%
FINANCIAL SERVICES · Cap: $1.84B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 73% more annual revenue ($33.17B vs $19.21B). QFIN leads profitability with a 31.2% profit margin vs 15.8%. QFIN trades at a lower P/E of 1.9x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
PYPL
Strong Buy78
out of 100
Grade: B+
QFIN
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Margin of Safety
+67.5%
Fair Value
$48.55
Current Price
$13.12
$35.43 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.4%
Areas to Watch
3.7% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 8.7%
Earnings declined 40.9%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 29.4%.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
PYPL profiles as a value stock while QFIN is a declining play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.46 — expect wider price swings.
PYPL is growing revenue faster at 3.7% — sustainability is the question.
QFIN generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (78/100 vs 62/100), backed by strong 15.8% margins. QFIN offers better value entry with a 67.5% margin of safety. 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.
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 →360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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