PayPal Holdings Inc (PYPL)vsSynchrony Financial (SYF)
PYPL
PayPal Holdings Inc
$58.21
-0.97%
FINANCIAL SERVICES · Cap: $47.33B
SYF
Synchrony Financial
$75.18
-2.13%
FINANCIAL SERVICES · Cap: $24.52B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 251% more annual revenue ($34.29B vs $9.78B). SYF leads profitability with a 34.1% profit margin vs 13.8%. SYF appears more attractively valued with a PEG of 0.93. SYF earns a higher WallStSmart Score of 69/100 (B-).
PYPL
Buy65
out of 100
Grade: C+
SYF
Strong Buy69
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
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 49.8%
Every $100 of equity generates 20 in 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%
Elevated debt levels
Revenue declined 4.7%
Earnings declined 6.3%
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 : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 49.8%. PEG of 0.93 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 : SYF
The primary concerns for SYF are Debt/Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
PYPL profiles as a value stock while SYF is a declining play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.34 — expect wider price swings.
PYPL is growing revenue faster at 2.0% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (69/100 vs 65/100), backed by strong 34.1% margins. 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 →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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