PayPay vs Visa
PAYP and V side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How PAYP and V compare
PayPay grew revenue faster over the last twelve months (27.3% versus 14.4% for Visa).
Visa keeps more of each dollar of sales as profit, with a net margin of 50.8% compared with 30.2% at PayPay.
Visa pays a dividend yielding 0.65%; PayPay does not pay one.
Visa scores higher on the StockData Score (11 against 7 for PayPay), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | PAYP | V |
|---|---|---|
| Size and price | ||
| Market cap | – | $738B |
| Share price | $14.03 | $413.59 |
| Change, 1 year | – | 21.2% |
| Change, 5 years | – | 90.9% |
| Beta (5Y) | – | 0.84 |
| Employees | 4,567 | 11K |
| StockData Score | ||
| Total score | 7 | 11 (better) |
| Valuation score | 0 | 0 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 | 2 |
| Health score | 4 (better) | 3 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/S | – | 16.6× |
| EV/EBITDA | – | 26.4× |
| P/FCF | – | 35.1× |
| FCF yield | – | 2.8% |
| Fair value | – | $204.07 |
| Margin of safety | – | −103% |
| Growth | ||
| Revenue growth (TTM) | 27.3% (better) | 14.4% |
| Revenue growth, 5Y average | – | 12.9% |
| Net income growth (TTM) | 218% (better) | 11.4% |
| EPS growth (TTM) | 172% | – |
| Profitability | ||
| Operating margin | 21.0% | 60.7% (better) |
| Net margin | 30.2% | 50.8% (better) |
| FCF margin | 96.9% (better) | 47.2% |
| Return on equity | 46.6% | – |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Net debt / EBITDA | – | 0.41 |
| Interest coverage | 7.6× | 34.8× (better) |
| Current ratio | – | 0.99 |
| Altman Z-score | – | 9.05 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.65% |
| Payout ratio | – | 22.1% |
| Years of dividend growth | – | 6 |
| Dividend growth, 5Y average | – | 14.5% |
| Buyback yield | – | 2.9% |
| Shareholder yield | – | 3.5% |
| Ownership | ||
| Held by institutions | 4.2% | 83.6% |
| Held by insiders | 90.7% | 0.04% |
| Insider net buying, 12 months | – | −$84.2M |
| Superinvestors holding | 1 | 23 (better) |
| Short interest, % of float | – | 1.2% |
Go deeper
- PAYP stock overview
- PAYP income statement
- PAYP valuation and score
- V stock overview
- V income statement
- V valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.