Medallion Financial Corp (MFIN)vsPayPal Holdings Inc (PYPL)
MFIN
Medallion Financial Corp
$11.48
+0.44%
FINANCIAL SERVICES · Cap: $250.27M
PYPL
PayPal Holdings Inc
$61.66
+1.77%
FINANCIAL SERVICES · Cap: $48.94B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 9652% more annual revenue ($34.13B vs $349.97M). PYPL leads profitability with a 14.4% profit margin vs 9.3%. MFIN appears more attractively valued with a PEG of 0.77. PYPL earns a higher WallStSmart Score of 63/100 (C+).
MFIN
Buy61
out of 100
Grade: C+
PYPL
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
2.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 32.6%
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 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, Price/Book. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bear Case : MFIN
The primary concerns for MFIN are Revenue Growth, Altman Z-Score, Market Cap.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
PYPL carries more volatility with a beta of 1.33 — expect wider price swings.
PYPL is growing revenue faster at 4.8% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (63/100 vs 61/100). Both earn "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.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
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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