PayPal Holdings Inc (PYPL)vsRegional Management Corp (RM)
PYPL
PayPal Holdings Inc
$53.72
+0.77%
FINANCIAL SERVICES · Cap: $45.49B
RM
Regional Management Corp
$32.99
+0.73%
FINANCIAL SERVICES · Cap: $310.73M
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 5168% more annual revenue ($34.13B vs $647.84M). PYPL leads profitability with a 14.4% profit margin vs 7.2%. RM appears more attractively valued with a PEG of 0.90. RM earns a higher WallStSmart Score of 67/100 (B-).
PYPL
Buy65
out of 100
Grade: C+
RM
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Generating 1.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Strong operational efficiency at 20.8%
Areas to Watch
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
7.2% margin — thin
Earnings declined 17.5%
Comparative Analysis Report
WallStSmart ResearchBull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bull Case : RM
The strongest argument for RM centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Bear Case : RM
The primary concerns for RM are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 4.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
PYPL carries more volatility with a beta of 1.29 — expect wider price swings.
RM is growing revenue faster at 6.0% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RM scores higher overall (67/100 vs 65/100). 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.
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 →Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
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