Green Dot Corporation (GDOT)vsPayPal Holdings Inc (PYPL)
GDOT
Green Dot Corporation
$12.66
-1.17%
FINANCIAL SERVICES · Cap: $717.57M
PYPL
PayPal Holdings Inc
$41.29
+0.70%
FINANCIAL SERVICES · Cap: $36.63B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 1453% more annual revenue ($33.73B vs $2.17B). PYPL leads profitability with a 15.0% profit margin vs -3.3%. PYPL appears more attractively valued with a PEG of 0.75. PYPL earns a higher WallStSmart Score of 72/100 (B).
GDOT
Buy64
out of 100
Grade: C+
PYPL
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 97.9% YoY
Conservative balance sheet, low leverage
17.4% revenue growth
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
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
ROE of -7.5% — below average capital efficiency
Distress zone — elevated risk
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : GDOT
The strongest argument for GDOT centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 17.4% demonstrates continued momentum. PEG of 1.23 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 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : GDOT
The primary concerns for GDOT are Market Cap, Piotroski F-Score, Return on Equity.
Bear Case : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
GDOT profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.34 — expect wider price swings.
GDOT is growing revenue faster at 17.4% — sustainability is the question.
PYPL generates stronger free cash flow (911M), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (72/100 vs 64/100). 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.
Green Dot Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Green Dot Corporation is a banking and fintech holding company in the United States. The company is headquartered in Pasadena, 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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