WallStSmart

PayPal Holdings Inc (PYPL)vsRegional Management Corp (RM)

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Smart Verdict

WallStSmart Research — data-driven comparison

PayPal Holdings Inc generates 5212% more annual revenue ($33.17B vs $624.52M). PYPL leads profitability with a 15.8% profit margin vs 7.1%. RM appears more attractively valued with a PEG of 0.42. PYPL earns a higher WallStSmart Score of 78/100 (B+).

PYPL

Strong Buy

78

out of 100

Grade: B+

Growth: 6.7Profit: 8.0Value: 10.0Quality: 7.0
Piotroski: 6/9Altman Z: 1.66

RM

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 6.0Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PYPLUndervalued (+82.3%)

Margin of Safety

+82.3%

Fair Value

$253.19

Current Price

$44.85

$208.34 discount

UndervaluedFair: $253.19Overvalued
RMUndervalued (+83.7%)

Margin of Safety

+83.7%

Fair Value

$208.26

Current Price

$32.27

$175.99 discount

UndervaluedFair: $208.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PYPL6 strengths · Avg: 8.5/10
P/E RatioValuation
8.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
25.7%9/10

Every $100 of equity generates 26 in profit

PEG RatioValuation
0.698/10

Growing faster than its price suggests

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
39.4%8/10

Earnings expanding 39.4% YoY

Free Cash FlowQuality
$2.19B8/10

Generating 2.2B in free cash flow

RM5 strengths · Avg: 9.2/10
PEG RatioValuation
0.4210/10

Growing faster than its price suggests

P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
23.6%8/10

Strong operational efficiency at 23.6%

EPS GrowthGrowth
32.5%8/10

Earnings expanding 32.5% YoY

Areas to Watch

PYPL2 concerns · Avg: 4.0/10
Revenue GrowthGrowth
3.7%4/10

3.7% revenue growth

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

RM2 concerns · Avg: 3.0/10
Market CapQuality
$316.35M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.1%3/10

7.1% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : PYPL

The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.

Bull Case : RM

The strongest argument for RM centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.42 suggests the stock is reasonably priced for its growth.

Bear Case : PYPL

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

Bear Case : RM

The primary concerns for RM are Market Cap, Profit Margin.

Key Dynamics to Monitor

PYPL carries more volatility with a beta of 1.46 — expect wider price swings.

RM is growing revenue faster at 9.6% — sustainability is the question.

PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.

Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PYPL scores higher overall (78/100 vs 77/100), backed by strong 15.8% margins. RM offers better value entry with a 83.7% margin of safety. Both earn "Strong Buy" and "Strong 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.

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Regional Management Corp

FINANCIAL SERVICES · CREDIT SERVICES · USA

Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.

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