Nelnet Inc (NNI)vsPayPal Holdings Inc (PYPL)
NNI
Nelnet Inc
$126.69
+0.72%
FINANCIAL SERVICES · Cap: $4.49B
PYPL
PayPal Holdings Inc
$53.72
+0.77%
FINANCIAL SERVICES · Cap: $45.49B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 2192% more annual revenue ($34.13B vs $1.49B). NNI leads profitability with a 20.3% profit margin vs 14.4%. NNI appears more attractively valued with a PEG of 0.46. PYPL earns a higher WallStSmart Score of 65/100 (C+).
NNI
Buy56
out of 100
Grade: C
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
Keeps 20 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
Elevated debt levels
Revenue declined 30.5%
Earnings declined 62.8%
Distress zone — elevated risk
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : NNI
The strongest argument for NNI centers on PEG Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.3% and operating margin at 18.2%. PEG of 0.46 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 0.91 suggests the stock is reasonably priced for its growth.
Bear Case : NNI
The primary concerns for NNI are Debt/Equity, Revenue Growth, EPS Growth. Debt-to-equity of 1.87 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
NNI profiles as a declining stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.29 — 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.
Bottom Line
PYPL scores higher overall (65/100 vs 56/100). 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.
Nelnet Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.
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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