PayPal Holdings Inc (PYPL)vsSoFi Technologies Inc. (SOFI)
PYPL
PayPal Holdings Inc
$54.03
+0.58%
FINANCIAL SERVICES · Cap: $45.49B
SOFI
SoFi Technologies Inc.
$17.65
+1.91%
FINANCIAL SERVICES · Cap: $23.26B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 700% more annual revenue ($34.13B vs $4.27B). SOFI leads profitability with a 14.9% profit margin vs 14.4%. SOFI appears more attractively valued with a PEG of 0.66. SOFI earns a higher WallStSmart Score of 70/100 (B).
PYPL
Buy65
out of 100
Grade: C+
SOFI
Strong Buy70
out of 100
Grade: B
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
Revenue surging 42.6% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 40.4% YoY
Areas to Watch
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Premium valuation, high expectations priced in
ROE of 5.7% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : SOFI
The strongest argument for SOFI centers on Revenue Growth, PEG Ratio, Price/Book. Revenue growth of 42.6% demonstrates continued momentum. PEG of 0.66 suggests the stock is reasonably priced for its growth.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Bear Case : SOFI
The primary concerns for SOFI are P/E Ratio, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
PYPL profiles as a value stock while SOFI is a growth play — different risk/reward profiles.
SOFI carries more volatility with a beta of 2.21 — expect wider price swings.
SOFI is growing revenue faster at 42.6% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
SOFI scores higher overall (70/100 vs 65/100) and 42.6% revenue growth. 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.
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 →SoFi Technologies Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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