Capital One Financial Corporation (COF)vsPayPal Holdings Inc (PYPL)
COF
Capital One Financial Corporation
$208.71
-0.98%
FINANCIAL SERVICES · Cap: $125.67B
PYPL
PayPal Holdings Inc
$58.21
-0.97%
FINANCIAL SERVICES · Cap: $47.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 43% more annual revenue ($48.89B vs $34.29B). COF leads profitability with a 22.2% profit margin vs 13.8%. COF appears more attractively valued with a PEG of 0.18. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
PYPL
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
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
Weak financial health signals
Distress zone — elevated risk
2.0% revenue growth
Distress zone — elevated risk
Earnings declined 3.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.2% and operating margin at 37.8%. PEG of 0.18 suggests the stock is reasonably priced for its growth.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, Altman Z-Score.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
COF profiles as a mature stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.28 — expect wider price swings.
COF is growing revenue faster at 6.2% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 65/100), backed by strong 22.2% 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.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
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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