Financial Comparison: Spindle (SPDL) vs. Paypal (PYPL)

Spindle (OTCMKTS:SPDL) and Paypal (NASDAQ:PYPL) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, analyst recommendations, dividends, institutional ownership, profitability, valuation and earnings.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Spindle and Paypal, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Spindle 0 0 0 0 N/A
Paypal 0 6 30 0 2.83

Paypal has a consensus price target of $94.03, suggesting a potential upside of 8.38%. Given Paypal’s higher probable upside, analysts clearly believe Paypal is more favorable than Spindle.

Risk & Volatility

Spindle has a beta of 2.05, indicating that its share price is 105% more volatile than the S&P 500. Comparatively, Paypal has a beta of 1.23, indicating that its share price is 23% more volatile than the S&P 500.

Earnings & Valuation

This table compares Spindle and Paypal’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Spindle $80,000.00 9.33 -$3.13 million N/A N/A
Paypal $13.09 billion 7.81 $1.80 billion $1.39 62.42

Paypal has higher revenue and earnings than Spindle.

Profitability

This table compares Spindle and Paypal’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Spindle N/A N/A -1,388.64%
Paypal 13.98% 13.60% 4.90%

Insider and Institutional Ownership

79.8% of Paypal shares are held by institutional investors. 14.6% of Spindle shares are held by company insiders. Comparatively, 0.2% of Paypal shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Paypal beats Spindle on 8 of the 11 factors compared between the two stocks.

About Spindle

Spindle, Inc. provides merchant and consumer-facing commerce solutions for small and medium-sized businesses in the United States. It offers payment processing services to merchants using its Catalyst Gateway; and acts as an agent, independent contractor, or referral partner to broker merchants that it secures to other merchant processors for ongoing fees based on processing volume. The company is based in Mesa, Arizona.

About Paypal

PayPal Holdings, Inc. operates as a technology platform company that enables digital and mobile payments on behalf of consumers and merchants worldwide. Its payment solutions include PayPal, PayPal Credit, Braintree, Venmo, Xoom, and Paydiant products. The company's platform allows consumers to shop by sending payments, withdraw funds to their bank accounts, and hold balances in their PayPal accounts in various currencies. It also offers gateway services that enable merchants to accept payments online with credit or debit cards. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

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