PayPal Holdings Inc (PYPL)vsWells Fargo & Company (WFC)
PYPL
PayPal Holdings Inc
$46.22
-0.11%
FINANCIAL SERVICES · Cap: $40.82B
WFC
Wells Fargo & Company
$79.16
-1.57%
FINANCIAL SERVICES · Cap: $247.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 141% more annual revenue ($81.14B vs $33.73B). WFC leads profitability with a 26.7% profit margin vs 15.0%. PYPL appears more attractively valued with a PEG of 0.91. WFC earns a higher WallStSmart Score of 74/100 (B).
PYPL
Strong Buy70
out of 100
Grade: B-
WFC
Strong Buy74
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
Mega-cap, among the largest globally
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Earnings declined 6.2%
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 0.91 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.44 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 : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
PYPL profiles as a value stock while WFC is a mature play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.40 — expect wider price swings.
PYPL is growing revenue faster at 7.2% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 70/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Strong 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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?