PayPal Holdings Inc (PYPL)vsSLM Corp (SLM)
PYPL
PayPal Holdings Inc
$57.01
+0.11%
FINANCIAL SERVICES · Cap: $47.33B
SLM
SLM Corp
$17.80
-2.47%
FINANCIAL SERVICES · Cap: $3.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 2215% more annual revenue ($34.29B vs $1.48B). SLM leads profitability with a 38.3% profit margin vs 13.8%. SLM appears more attractively valued with a PEG of 0.58. PYPL earns a higher WallStSmart Score of 65/100 (C+).
PYPL
Buy65
out of 100
Grade: C+
SLM
Buy59
out of 100
Grade: C
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
Every $100 of equity generates 31 in profit
Keeps 38 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
2.0% revenue growth
Distress zone — elevated risk
Earnings declined 3.8%
Revenue declined 55.8%
Earnings declined 9.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bull Case : SLM
The strongest argument for SLM centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 38.3% and operating margin at -36.4%. PEG of 0.58 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 : SLM
The primary concerns for SLM are Revenue Growth, EPS Growth, Free Cash Flow. Debt-to-equity of 2.85 is elevated, increasing financial risk.
Key Dynamics to Monitor
PYPL profiles as a value stock while SLM is a declining play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.28 — expect wider price swings.
PYPL is growing revenue faster at 2.0% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (65/100 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.
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 →SLM Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
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