WallStSmart

Medallion Financial Corp (MFIN)vsPayPal Holdings Inc (PYPL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PayPal Holdings Inc generates 9600% more annual revenue ($33.73B vs $347.76M). PYPL leads profitability with a 15.0% profit margin vs 10.3%. MFIN appears more attractively valued with a PEG of 0.77. PYPL earns a higher WallStSmart Score of 72/100 (B).

MFIN

Buy

63

out of 100

Grade: C+

Growth: 4.7Profit: 7.0Value: 7.7Quality: 5.0

PYPL

Strong Buy

72

out of 100

Grade: B

Growth: 4.7Profit: 8.0Value: 7.7Quality: 6.5
Piotroski: 6/9Altman Z: 1.66

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFIN4 strengths · Avg: 9.5/10
P/E RatioValuation
6.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.0%10/10

Strong operational efficiency at 45.0%

PEG RatioValuation
0.778/10

Growing faster than its price suggests

PYPL4 strengths · Avg: 8.8/10
P/E RatioValuation
8.5x10/10

Attractively priced relative to earnings

Return on EquityProfitability
25.1%9/10

Every $100 of equity generates 25 in profit

PEG RatioValuation
0.828/10

Growing faster than its price suggests

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

MFIN3 concerns · Avg: 2.3/10
Market CapQuality
$230.39M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-6.4%2/10

Revenue declined 6.4%

EPS GrowthGrowth
-60.0%2/10

Earnings declined 60.0%

PYPL2 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

EPS GrowthGrowth
-6.2%2/10

Earnings declined 6.2%

Comparative Analysis Report

WallStSmart Research

Bull 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, PEG Ratio. PEG of 0.82 suggests the stock is reasonably priced for its growth.

Bear Case : MFIN

The primary concerns for MFIN are Market Cap, Revenue Growth, EPS Growth.

Bear Case : PYPL

The primary concerns for PYPL are Altman Z-Score, EPS Growth.

Key Dynamics to Monitor

MFIN profiles as a declining stock while PYPL is a value play — different risk/reward profiles.

PYPL carries more volatility with a beta of 1.40 — expect wider price swings.

PYPL is growing revenue faster at 7.2% — sustainability is the question.

PYPL generates stronger free cash flow (911M), providing more financial flexibility.

Bottom Line

PYPL scores higher overall (72/100 vs 63/100). 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.

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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