Atlanticus Holdings Corporation (ATLC)vsPayPal Holdings Inc (PYPL)
ATLC
Atlanticus Holdings Corporation
$94.46
+1.18%
FINANCIAL SERVICES · Cap: $1.43B
PYPL
PayPal Holdings Inc
$53.72
+0.77%
FINANCIAL SERVICES · Cap: $45.49B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 4572% more annual revenue ($34.13B vs $730.47M). ATLC leads profitability with a 21.1% profit margin vs 14.4%. PYPL trades at a lower P/E of 10.1x. ATLC earns a higher WallStSmart Score of 71/100 (B).
ATLC
Strong Buy71
out of 100
Grade: B
PYPL
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 83.3% year-over-year
Earnings expanding 66.0% YoY
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.5%
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
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on Revenue Growth, EPS Growth, Profit Margin. Profitability is solid with margins at 21.1% and operating margin at 29.5%. Revenue growth of 83.3% demonstrates continued momentum.
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.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 8.48 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
ATLC profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
ATLC carries more volatility with a beta of 2.02 — expect wider price swings.
ATLC is growing revenue faster at 83.3% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
ATLC scores higher overall (71/100 vs 65/100), backed by strong 21.1% margins and 83.3% 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.
Atlanticus Holdings Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corporation provides credit and related financial products and services to clients in the United States. The company is headquartered in Atlanta, Georgia.
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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