PayPal Holdings Inc (PYPL)vsSLM Corp Pb Pref (SLMBP)
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
SLMBP
SLM Corp Pb Pref
$74.50
-0.21%
FINANCIAL SERVICES · Cap: $4.90B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 1908% more annual revenue ($33.17B vs $1.65B). SLMBP leads profitability with a 45.1% profit margin vs 15.8%. PYPL trades at a lower P/E of 8.2x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
PYPL
Strong Buy78
out of 100
Grade: B+
SLMBP
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Margin of Safety
+24.6%
Fair Value
$100.39
Current Price
$74.50
$25.89 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Every $100 of equity generates 32 in profit
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 66.8%
Revenue surging 67.8% year-over-year
Earnings expanding 126.2% YoY
Areas to Watch
3.7% revenue growth
Distress zone — elevated risk
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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 : SLMBP
The strongest argument for SLMBP centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 45.1% and operating margin at 66.8%. Revenue growth of 67.8% demonstrates continued momentum.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Bear Case : SLMBP
The primary concerns for SLMBP are P/E Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.39 is elevated, increasing financial risk.
Key Dynamics to Monitor
PYPL profiles as a value stock while SLMBP is a growth play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.46 — expect wider price swings.
SLMBP is growing revenue faster at 67.8% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (78/100 vs 68/100), backed by strong 15.8% margins. SLMBP offers better value entry with a 24.6% 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.
Visit Website →SLM Corp Pb Pref
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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