PYPL vs RJF
PayPal Holdings vs Raymond James Financial — AI-powered side-by-side comparison
PYPL
PayPal Holdings
58
Watch
VS
RJF
Raymond James Financial
59
Buy
| Metric | PYPL | RJF |
|---|
| AI Score |
58
|
59
|
| Price |
$60.48
|
$179.53
|
| P/E Ratio |
11.57×
|
15.47×
|
| ROE |
25.8%
|
17.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
45.8%
|
83.5%
|
| Debt / Equity |
0.72×
|
0.42×
|
| Dividend Yield |
0.7%
|
1.2%
|
| RSI (14) |
80.9
|
67.5
|
| Beta |
1.298
|
0.92
|
| Expected Upside |
+28.5%
|
—
|
AI Committee View
Current Innellis committee reasoning for PYPL versus RJF.
RJF leads by 1 points.
RJF scores 59/100 (Buy) versus PYPL at 58/100 (Watch).
PYPL Committee View
60% agreement
5 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 10.4 is inexpensive for the broad market — Value
- ROE of 24.4% shows genuine earnings power backing the valuation — Value
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 81 is in overbought territory — Technical
- MACD histogram negative -- bearish momentum — Technical
RJF Committee View
67% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 5.14) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 18.3% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 80 -- overbought on the larger timeframe too — Technical