WallStSmart

PayPal Holdings Inc (PYPL)vsTurning Point Brands Inc (TPB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PayPal Holdings Inc generates 6915% more annual revenue ($33.73B vs $480.90M). PYPL leads profitability with a 15.0% profit margin vs 11.5%. TPB appears more attractively valued with a PEG of 0.05. PYPL earns a higher WallStSmart Score of 70/100 (B-).

PYPL

Strong Buy

70

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.7Quality: 6.5
Piotroski: 6/9Altman Z: 1.66

TPB

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 7.0Value: 6.3Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PYPL4 strengths · Avg: 8.8/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
25.1%9/10

Every $100 of equity generates 25 in profit

PEG RatioValuation
0.918/10

Growing faster than its price suggests

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

TPB3 strengths · Avg: 9.0/10
PEG RatioValuation
0.0510/10

Growing faster than its price suggests

Return on EquityProfitability
22.5%9/10

Every $100 of equity generates 23 in profit

Revenue GrowthGrowth
16.8%8/10

16.8% revenue growth

Areas to Watch

PYPL2 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

EPS GrowthGrowth
-6.2%2/10

Earnings declined 6.2%

TPB3 concerns · Avg: 3.0/10
P/E RatioValuation
30.9x4/10

Premium valuation, high expectations priced in

Market CapQuality
$1.74B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-24.1%2/10

Earnings declined 24.1%

Comparative Analysis Report

WallStSmart Research

Bull 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 : TPB

The strongest argument for TPB centers on PEG Ratio, Return on Equity, Revenue Growth. Revenue growth of 16.8% demonstrates continued momentum. PEG of 0.05 suggests the stock is reasonably priced for its growth.

Bear Case : PYPL

The primary concerns for PYPL are Altman Z-Score, EPS Growth.

Bear Case : TPB

The primary concerns for TPB are P/E Ratio, Market Cap, EPS Growth.

Key Dynamics to Monitor

PYPL profiles as a value stock while TPB is a growth play — different risk/reward profiles.

PYPL carries more volatility with a beta of 1.40 — expect wider price swings.

TPB is growing revenue faster at 16.8% — sustainability is the question.

PYPL generates stronger free cash flow (911M), providing more financial flexibility.

Bottom Line

PYPL scores higher overall (70/100 vs 59/100). 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.

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Turning Point Brands Inc

CONSUMER DEFENSIVE · TOBACCO · USA

Turning Point Brands, Inc. manufactures, markets and distributes branded consumer products. The company is headquartered in Louisville, Kentucky.

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