Affirm Holdings Inc (AFRM)vsPayPal Holdings Inc (PYPL)
AFRM
Affirm Holdings Inc
$71.77
+1.01%
FINANCIAL SERVICES · Cap: $24.03B
PYPL
PayPal Holdings Inc
$52.89
+0.51%
FINANCIAL SERVICES · Cap: $44.83B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 701% more annual revenue ($34.13B vs $4.26B). AFRM leads profitability with a 45.3% profit margin vs 14.4%. PYPL appears more attractively valued with a PEG of 0.93. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
PYPL
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 in profit
Keeps 45 of every $100 in revenue as profit
Revenue surging 33.0% year-over-year
Earnings expanding 2187.0% YoY
Attractively priced relative to earnings
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
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Return on Equity, Profit Margin, Revenue Growth. Profitability is solid with margins at 45.3% and operating margin at 12.6%. Revenue growth of 33.0% demonstrates continued momentum.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bear Case : AFRM
The primary concerns for AFRM are Debt/Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
AFRM profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.61 — expect wider price swings.
AFRM is growing revenue faster at 33.0% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
AFRM scores higher overall (70/100 vs 65/100), backed by strong 45.3% margins and 33.0% revenue growth. 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.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →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 →Compare with Other CREDIT SERVICES Stocks
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