On the filings, PayPal (PYPL) is the stronger stock right now — higher on our blended fundamentals-plus-verdict read, and we currently rate it BUY.
Genuine profitability inflection and 35%+ growth, but a ~its multiple and a debt-funded credit model leave little room for error.
At its multiple with 25.8% ROE and ~$6B/yr buybacks, PYPL's pessimism looks overdone — slow growth, but priced for far worse.
| Metric | AFRM | PYPL |
|---|---|---|
| Fundamentals score | 69 | 77 |
| Revenue growth (YoY) | +34.9% | +4.3% |
| Net income growth (YoY) | +110.1% | +26.2% |
| Net margin | 4.7% | 15.8% |
| Return on equity | 1.7% | 25.8% |
| ROIC (est.) | -0.6% | 15.8% |
| Liabilities / Equity | 2.63 | 2.96 |
| Piotroski F-score | 5 / 9 | 8 / 9 |
Bold green = the stronger figure. All rows derive from SEC XBRL filings — no market-price data on this page.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 3:07 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 19, 2026, 8:15 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.