WallStSmart

PayPal Holdings Inc (PYPL)vsWorld Acceptance Corporation (WRLD)

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Smart Verdict

WallStSmart Research — data-driven comparison

PayPal Holdings Inc generates 5685% more annual revenue ($33.17B vs $573.38M). PYPL leads profitability with a 15.8% profit margin vs 7.5%. WRLD appears more attractively valued with a PEG of 0.70. PYPL earns a higher WallStSmart Score of 78/100 (B+).

PYPL

Strong Buy

78

out of 100

Grade: B+

Growth: 6.7Profit: 8.0Value: 10.0Quality: 7.0
Piotroski: 6/9Altman Z: 1.66

WRLD

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 7.3Quality: 7.0
Piotroski: 7/9Altman Z: 2.67
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PYPLUndervalued (+82.6%)

Margin of Safety

+82.6%

Fair Value

$253.19

Current Price

$44.01

$209.18 discount

UndervaluedFair: $253.19Overvalued
WRLDSignificantly Overvalued (-141.2%)

Margin of Safety

-141.2%

Fair Value

$52.84

Current Price

$130.85

$78.01 premium

UndervaluedFair: $52.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PYPL6 strengths · Avg: 8.5/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
25.7%9/10

Every $100 of equity generates 26 in profit

PEG RatioValuation
0.708/10

Growing faster than its price suggests

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
39.4%8/10

Earnings expanding 39.4% YoY

Free Cash FlowQuality
$2.19B8/10

Generating 2.2B in free cash flow

WRLD3 strengths · Avg: 8.0/10
PEG RatioValuation
0.708/10

Growing faster than its price suggests

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

PYPL2 concerns · Avg: 4.0/10
Revenue GrowthGrowth
3.7%4/10

3.7% revenue growth

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

WRLD4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.9%4/10

1.9% revenue growth

Market CapQuality
$659.23M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.5%3/10

7.5% margin — thin

EPS GrowthGrowth
-86.0%2/10

Earnings declined 86.0%

Comparative Analysis Report

WallStSmart Research

Bull 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 0.70 suggests the stock is reasonably priced for its growth.

Bull Case : WRLD

The strongest argument for WRLD centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.

Bear Case : PYPL

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

Bear Case : WRLD

The primary concerns for WRLD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.35 is elevated, increasing financial risk.

Key Dynamics to Monitor

PYPL carries more volatility with a beta of 1.46 — expect wider price swings.

PYPL is growing revenue faster at 3.7% — sustainability is the question.

PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.

Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PYPL scores higher overall (78/100 vs 54/100), backed by strong 15.8% 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.

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World Acceptance Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.

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