PayPal Holdings Inc (PYPL)vsSUI Group Holdings Limited (SUIG)
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
SUIG
SUI Group Holdings Limited
$1.39
+2.21%
FINANCIAL SERVICES · Cap: $198.85M
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 1003318% more annual revenue ($33.17B vs $3.31M). SUIG leads profitability with a 45.4% profit margin vs 15.8%. PYPL trades at a lower P/E of 8.2x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
PYPL
Strong Buy78
out of 100
Grade: B+
SUIG
Buy56
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
+88.8%
Fair Value
$11.23
Current Price
$1.39
$9.84 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 45 of every $100 in revenue as profit
Strong operational efficiency at 66.6%
Earnings expanding 83.3% YoY
Areas to Watch
3.7% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Weak financial health signals
Negative free cash flow — burning cash
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 : SUIG
The strongest argument for SUIG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 45.4% and operating margin at 66.6%.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Bear Case : SUIG
The primary concerns for SUIG are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
PYPL profiles as a value stock while SUIG is a mature play — different risk/reward profiles.
SUIG carries more volatility with a beta of 1.68 — expect wider price swings.
SUIG is growing revenue faster at 6.7% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (78/100 vs 56/100), backed by strong 15.8% margins. SUIG offers better value entry with a 88.8% 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 →SUI Group Holdings Limited
FINANCIAL SERVICES · CREDIT SERVICES · USA
SUI Group Holdings Limited is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, or growth. The company is headquartered in Wayzata, Minnesota.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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