PayPal Holdings [PYPL] vs Capital One [COF] Detailed Stock Comparison

PayPal Holdings Inc.

NASDAQ
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Capital One Financial Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: PayPal Holdings Inc. wins in 8 metrics, Capital One Financial Corporation wins in 11 metrics, with 0 ties. Capital One Financial Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric PayPal Holdings Inc. Capital One Financial Corporation Better
P/E Ratio (TTM) 9.27 60.69 PayPal Holdings Inc.
Price-to-Book Ratio 2.28 1.13 Capital One Financial Corporation
Debt-to-Equity Ratio 60.70 0.46 Capital One Financial Corporation
PEG Ratio 0.25 -17.50 PayPal Holdings Inc.
EV/EBITDA 7.17 N/A N/A
Profit Margin (TTM) 15.78% 8.88% PayPal Holdings Inc.
Operating Margin (TTM) 17.49% 28.59% Capital One Financial Corporation
EBITDA Margin (TTM) 17.49% 28.59% Capital One Financial Corporation
Return on Equity 25.73% 3.26% PayPal Holdings Inc.
Return on Assets (TTM) 4.88% 0.49% PayPal Holdings Inc.
Free Cash Flow (TTM) $5.56B $26.14B Capital One Financial Corporation
Dividend Yield 0.68% 1.47% Capital One Financial Corporation
1-Year Return -41.37% -4.20% Capital One Financial Corporation
Price-to-Sales Ratio (TTM) 1.36 3.43 PayPal Holdings Inc.
Enterprise Value $47.68B $101.91B Capital One Financial Corporation
EV/Revenue Ratio 1.44 2.81 PayPal Holdings Inc.
Gross Profit Margin (TTM) 46.50% N/A N/A
Revenue per Share (TTM) $35 $60 Capital One Financial Corporation
Earnings per Share (Diluted) $5.41 $3.24 PayPal Holdings Inc.
Beta (Stock Volatility) 1.41 1.14 Capital One Financial Corporation
Short % of Float 5.69% 1.42% Capital One Financial Corporation

PayPal Holdings Inc. vs Capital One Financial Corporation Stock Performance Analysis

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PYPL
COF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PayPal Holdings Inc.2.31%2.98%-4.32%-6.45%-30.05%-26.92%
Capital One Financial Corporation5.35%7.89%3.98%7.66%-18.84%-21.50%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PayPal Holdings Inc.-41.37%-37.48%-85.34%12.33%19.72%19.72%
Capital One Financial Corporation-4.20%67.83%23.14%187.79%278.24%120.39%

Performance & Financial Health Analysis: PayPal Holdings Inc. vs Capital One Financial Corporation

MetricPYPLCOF
Market Information
Market Cap i$45.42B$121.38B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i11,850,8814,080,678
90 Day Avg. Volume i15,069,0504,704,259
Last Close$42.49$194.62
52 Week Range$38.46 - $79.50$174.24 - $259.64
% from 52W High-46.55%-25.04%
All-Time High$310.16 (Jul 26, 2021)$259.61 (Jan 06, 2026)
% from All-Time High-86.30%-25.03%
Growth Metrics
Quarterly Revenue Growth0.04%0.46%
Quarterly Earnings Growth0.28%0.55%
Financial Health
Profit Margin (TTM) i0.16%0.09%
Operating Margin (TTM) i0.17%0.29%
Return on Equity (TTM) i0.26%0.03%
Debt to Equity (MRQ) i60.700.46
Cash & Liquidity
Book Value per Share (MRQ)$22.02$173.49
Cash per Share (MRQ)$11.32$124.20
Operating Cash Flow (TTM) i$6.42B$6.98B
Levered Free Cash Flow (TTM) i$3.27B$2.18B
Dividends
Last 12-Month Dividend Yield i0.68%1.47%
Last 12-Month Dividend i$0.28$2.80

Valuation & Enterprise Metrics Analysis: PayPal Holdings Inc. vs Capital One Financial Corporation

MetricPYPL (Apr 26, 2026)COF (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i9.2760.69
Forward P/E i8.658.25
PEG Ratio i0.25-17.50
Price to Sales (TTM) i1.363.43
Price to Book (MRQ) i2.281.13
Market Capitalization
Market Capitalization i$45.42B$121.38B
Enterprise Value i$47.68B$101.91B
Enterprise Value Metrics
Enterprise to Revenue i1.442.81
Enterprise to EBITDA i7.17N/A
Risk & Other Metrics
Beta i1.411.14
Book Value per Share (MRQ) i$22.02$173.49

Financial Statements Comparison: PayPal Holdings Inc. vs Capital One Financial Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPYPL (2025)COF (2025)
Revenue/Sales i33.17B53.43B
Cost of Goods Sold i17.71BN/A
COGS % of Revenue i53.4%0.0%
Gross Profit i15.47BN/A
Gross Margin i46.6%0.0%
Research & Development i3.10BN/A
Operating Income (EBIT) i6.40BN/A
Operating Margin i19.3%0.0%
EBITDA i7.87BN/A
EBITDA Margin i23.7%0.0%
Pre-Tax Income i6.29B2.28B
Pre-Tax Income % of Revenue i19.0%4.3%
Income Tax i1.06B193.00M
Income Tax % of Revenue i3.2%0.4%
Net Income (Profit) i5.23B2.45B
Profit Margin i15.8%4.6%

Balance Sheet & Liquidity Metrics

MetricPYPL (2025)COF (2025)
Cash & Equivalents i8.05B57.43B
Total Current Assets i59.76BN/A
Total Current Assets % of Revenue i180.1%0.0%
Total Current Liabilities i46.44BN/A
Total Current Liabilities % of Revenue i140.0%0.0%
Long-Term Debt i9.99B49.91B
Long-Term Debt % of Revenue i30.1%93.4%
Total Shareholders Equity i20.26B113.62B
Retained Earnings i32.47B65.19B
Retained Earnings % of Revenue i97.9%122.0%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricPYPL (2025)COF (2025)
Operating Cash Flow i6.66B6.98B
Operating Cash Flow % of Revenue i20.1%13.1%
Capital Expenditures i-849.00M-1.58B
Free Cash Flow i5.56B26.14B
FCF Margin i16.8%48.9%
Debt Repayment i-5.10B-17.86B
Common Stock Repurchase i-6.05B-4.60B

Short Interest & Institutional Ownership Analysis

MetricPYPLCOF
Shares Short i45.98M7.89M
Short Ratio i2.551.46
Short % of Float i5.69%1.42%
Shares Outstanding i920.00M634.20M
Float Shares i918.58M603.13M
% Held by Insiders i0.66%1.88%
% Held by Institutions i84.06%87.17%
% Held by Public i15.28%10.95%

Dividend Analysis & Yield Comparison: PayPal Holdings Inc. vs Capital One Financial Corporation

MetricPYPLCOF
Last 12-Month Dividend i$0.28$2.80
Last 12-Month Dividend Yield i0.68%1.47%
3-Year Avg Annual Dividend i$0.09$2.53
3-Year Avg Dividend Yield i0.29%0.41%
3-Year Total Dividends i$0.28$7.60
Ex-Dividend DateMar 04, 2026Feb 19, 2026