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 ($759B against $49.4B).
Visa grew revenue faster over the last twelve months (14.8% versus 4.4% for PayPal).
Visa keeps more of each dollar of sales as profit, with a net margin of 51.2% compared with 13.8% at PayPal.
Both pay dividends: PayPal yields 0.94% and Visa 0.63%.
PayPal scores higher on the StockData Score (18 against 12 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 | $49.4B | $759B |
| Share price | $59.48 | $425.55 |
| Change, 1 year | −10.2% | 27.1% |
| Change, 5 years | −69.3% | 112% |
| Beta (5Y) | 1.37 | 0.82 |
| Employees | 24K | 35K |
| StockData Score | ||
| Total score | 18 (better) | 12 |
| Valuation score | 5 (better) | 0 |
| Growth score | 1 | 3 (better) |
| Performance score | 6 (better) | 2 |
| Health score | 3 | 3 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 11.4× | – |
| P/S | 1.4× (better) | 16.5× |
| P/B | 2.5× | – |
| EV/EBITDA | 7.7× (better) | 26.0× |
| P/FCF | 7.8× (better) | 34.4× |
| PEG | 0.30 | – |
| FCF yield | 12.7% (better) | 2.9% |
| Fair value | $97.83 | $217.13 |
| Margin of safety | 39.2% (better) | −96.0% |
| Growth | ||
| Revenue growth (TTM) | 4.4% | 14.8% (better) |
| Revenue growth, 5Y average | 9.1% | 13.7% (better) |
| Net income growth (TTM) | −3.9% | 17.2% (better) |
| EPS growth (TTM) | 5.0% | – |
| EPS growth, 5Y average | 8.9% | – |
| Profitability | ||
| Operating margin | 17.0% | 61.2% (better) |
| Net margin | 13.8% | 51.2% (better) |
| FCF margin | 18.4% | 48.1% (better) |
| Return on equity | 23.8% | – |
| Return on invested capital | 21.2% | – |
| Financial health | ||
| Debt / equity | 0.69 | – |
| Net debt / EBITDA | 0.47 | 0.31 (better) |
| Interest coverage | 12.0× | 37.1× (better) |
| Current ratio | 1.26 (better) | 0.97 |
| Altman Z-score | 1.93 | 9.48 (better) |
| Piotroski F-score | 8 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.94% (better) | 0.63% |
| Payout ratio | 10.6% | 21.7% |
| Years of dividend growth | 0 | 7 (better) |
| Dividend growth, 5Y average | – | 15.9% |
| Buyback yield | 12.3% (better) | 2.7% |
| Shareholder yield | 13.2% (better) | 3.3% |
| Ownership | ||
| Held by institutions | 78.6% | 83.6% |
| Held by insiders | 0.12% | 0.04% |
| Insider net buying, 12 months | −$5.6M (better) | −$112M |
| Superinvestors holding | 6 | 23 (better) |
| Short interest, % of float | 3.4% | 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.