PayPal Holdings Inc (PYPL)vs360 Finance Inc (QFIN)
PYPL
PayPal Holdings Inc
$54.03
+0.58%
FINANCIAL SERVICES · Cap: $45.49B
QFIN
360 Finance Inc
$8.47
0.00%
FINANCIAL SERVICES · Cap: $1.05B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 103% more annual revenue ($34.13B vs $16.77B). QFIN leads profitability with a 22.3% profit margin vs 14.4%. QFIN trades at a lower P/E of 2.0x. PYPL earns a higher WallStSmart Score of 65/100 (C+).
PYPL
Buy65
out of 100
Grade: C+
QFIN
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Every $100 of equity generates 21 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.5%.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
PYPL profiles as a value stock while QFIN is a declining 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 62/100). 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.
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 →360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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