PayPal vs Visa
PYPL 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 PYPL and V compare
Visa is the larger company, worth 15 times as much as PayPal ($738B against $48.8B).
Visa grew revenue faster over the last twelve months (14.4% versus 5.7% for PayPal).
Visa keeps more of each dollar of sales as profit, with a net margin of 50.8% compared with 14.4% at PayPal.
Both pay dividends: PayPal yields 0.98% and Visa 0.65%.
PayPal scores higher on the StockData Score (17 against 11 for Visa), 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 | PYPL | V |
|---|---|---|
| Size and price | ||
| Market cap | $48.8B | $738B |
| Share price | $57.01 | $413.59 |
| Change, 1 year | −18.2% | 21.2% |
| Change, 5 years | −74.7% | 90.9% |
| Beta (5Y) | 1.39 | 0.84 |
| Employees | 24K | 11K |
| StockData Score | ||
| Total score | 17 (better) | 11 |
| Valuation score | 5 (better) | 0 |
| Growth score | 2 | 2 |
| Performance score | 6 (better) | 2 |
| Health score | 3 | 3 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 10.8× | – |
| P/S | 1.4× (better) | 16.6× |
| P/B | 2.5× | – |
| EV/EBITDA | 7.4× (better) | 26.4× |
| P/FCF | 7.4× (better) | 35.1× |
| PEG | 0.29 | – |
| FCF yield | 13.5% (better) | 2.8% |
| Fair value | $97.92 | $204.07 |
| Margin of safety | 41.8% (better) | −103% |
| Growth | ||
| Revenue growth (TTM) | 5.7% | 14.4% (better) |
| Revenue growth, 5Y average | 9.1% | 12.9% (better) |
| Net income growth (TTM) | 4.8% | 11.4% (better) |
| EPS growth (TTM) | 13.0% | – |
| EPS growth, 5Y average | 8.9% | – |
| Profitability | ||
| Operating margin | 17.4% | 60.7% (better) |
| Net margin | 14.4% | 50.8% (better) |
| FCF margin | 19.3% | 47.2% (better) |
| Return on equity | 24.5% | – |
| Return on invested capital | 21.6% | – |
| Financial health | ||
| Debt / equity | 0.68 | – |
| Net debt / EBITDA | 0.31 (better) | 0.41 |
| Interest coverage | 12.9× | 34.8× (better) |
| Current ratio | 1.29 (better) | 0.99 |
| Altman Z-score | 1.90 | 9.05 (better) |
| Piotroski F-score | 8 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.98% (better) | 0.65% |
| Payout ratio | – | 22.1% |
| Years of dividend growth | 0 | 6 (better) |
| Dividend growth, 5Y average | – | 14.5% |
| Buyback yield | 12.4% (better) | 2.9% |
| Shareholder yield | 13.4% (better) | 3.5% |
| Ownership | ||
| Held by institutions | 76.4% | 83.6% |
| Held by insiders | 0.11% | 0.04% |
| Insider net buying, 12 months | −$7.3M (better) | −$84.2M |
| Superinvestors holding | 6 | 23 (better) |
| Short interest, % of float | 3.5% | 1.2% |
Go deeper
- PYPL stock overview
- PYPL income statement
- PYPL 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.