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Screener Weekly Summary Pricing

PayPal Holdings, Inc. (PYPL) vs SoFi Technologies, Inc. (SOFI)

PayPal Holdings, Inc. and SoFi Technologies, Inc. are both Credit Services companies. PayPal Holdings, Inc. is the larger, with a market value of $45.0B against $21.8B — 2.1× the size. PayPal Holdings, Inc. trades at the lower P/E: 10.3× against 32.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 5.69%. PayPal Holdings, Inc. has the higher net margin (14.4% vs 11.4%) and the higher return on invested capital (16.9% vs 4.26%). Across the 20 metrics below, PayPal Holdings, Inc. leads on 15 and SoFi Technologies, Inc. on 5.

Valuation

Metric PYPL SOFI Credit Services median
P/E 10.33 32.51 9.64
P/S 1.41 3.81 0.87
P/B 2.44 1.92 1.16
Price to free cash flow 7.31 n/m 2.99
EV/EBITDA 7.34 n/m 9.58
EV/Sales 1.48 3.77 2.32
Earnings yield 9.68% 3.08% 6.72%
Free cash flow yield 13.68% (41.33%) 12.33%

Profitability

Metric PYPL SOFI Credit Services median
Gross margin 40.48% 77.13% 77.13%
Operating margin 17.42% 0.00% 0.34%
Net margin 14.36% 11.39% 9.25%
Free cash flow margin 19.35% (157.63%) 13.03%
Return on equity 24.50% 7.09% 8.49%
Return on assets 6.03% 1.25% 2.29%
Return on invested capital 16.92% 4.26% 4.09%

Growth

Metric PYPL SOFI Credit Services median
Revenue growth (TTM) 5.69% 34.08% 4.62%
EPS growth (last fiscal year) 35.59% 0.00% —
Revenue growth, 5-year CAGR 9.11% 44.73% 9.13%
Net income growth, 5-year CAGR 4.49% 0.00% 0.00%

Health

Metric PYPL SOFI Credit Services median
Debt to equity 0.68 0.30 0.68
Current ratio 1.29 0.74 1.55
Net debt to EBITDA (0.06) 0.00 0.13

Dividend

Metric PYPL SOFI Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric PYPL SOFI Credit Services median
Market cap 45.03b 21.79b 872.19m

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