PayPal Holdings [PYPL] vs Discover Financial [DFS] Detailed Stock Comparison
PayPal Holdings
NASDAQ
Loading...
Discover Financial
NYSE
Loading...
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: PayPal Holdings wins in 6 metrics, Discover Financial wins in 11 metrics, with 0 ties. Discover Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | PayPal Holdings | Discover Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.68 | 10.69 | Discover Financial |
| Price-to-Book Ratio | 3.26 | 2.81 | Discover Financial |
| Debt-to-Equity Ratio | 60.25 | 76.67 | PayPal Holdings |
| PEG Ratio | 14.02 | 15.76 | PayPal Holdings |
| EV/EBITDA | 10.48 | N/A | N/A |
| Profit Margin (TTM) | 14.49% | 35.88% | Discover Financial |
| Operating Margin (TTM) | 19.29% | 48.02% | Discover Financial |
| EBITDA Margin (TTM) | 19.29% | 48.02% | Discover Financial |
| Return on Equity | 22.92% | 28.47% | Discover Financial |
| Return on Assets (TTM) | 4.61% | 3.19% | PayPal Holdings |
| Free Cash Flow (TTM) | $6.77B | $8.16B | Discover Financial |
| 1-Year Return | 4.53% | 59.50% | Discover Financial |
| Price-to-Sales Ratio (TTM) | 2.03 | 3.77 | PayPal Holdings |
| Enterprise Value | $68.49B | $54.07B | PayPal Holdings |
| EV/Revenue Ratio | 2.12 | 4.05 | PayPal Holdings |
| Gross Profit Margin (TTM) | 46.38% | N/A | N/A |
| Revenue per Share (TTM) | $33 | $53 | Discover Financial |
| Earnings per Share (Diluted) | $4.67 | $18.72 | Discover Financial |
| Beta (Stock Volatility) | 1.42 | 1.15 | Discover Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
PayPal Holdings vs Discover Financial Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| PayPal Holdings | -0.84% | 0.80% | -9.84% | -4.02% | -13.54% | -21.50% |
| Discover Financial | -0.21% | 5.25% | 27.98% | 1.92% | 15.49% | 14.84% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PayPal Holdings | 4.53% | -33.09% | -64.67% | 77.37% | 95.01% | 95.01% |
| Discover Financial | 59.50% | 92.69% | 394.32% | 235.99% | 1,378.57% | 587.93% |
Performance & Financial Health Analysis: PayPal Holdings vs Discover Financial
| Metric | PYPL | DFS |
|---|---|---|
| Market Information | ||
| Market Cap | $65.51B | $50.34B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 15,308,137 | 5,150,998 |
| 90 Day Avg. Volume | 11,302,299 | 3,227,899 |
| Last Close | $67.65 | $200.05 |
| 52 Week Range | $55.85 - $93.66 | $119.95 - $207.42 |
| % from 52W High | -27.77% | -3.55% |
| All-Time High | $310.16 (Jul 26, 2021) | $207.42 (May 12, 2025) |
| % from All-Time High | -78.19% | -3.55% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | 0.13% |
| Quarterly Earnings Growth | 0.12% | 0.30% |
| Financial Health | ||
| Profit Margin (TTM) | 0.14% | 0.36% |
| Operating Margin (TTM) | 0.19% | 0.48% |
| Return on Equity (TTM) | 0.23% | 0.28% |
| Debt to Equity (MRQ) | 60.25 | 76.67 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $21.04 | $71.16 |
| Cash per Share (MRQ) | $10.48 | $47.16 |
| Operating Cash Flow (TTM) | $6.07B | $8.71B |
| Levered Free Cash Flow (TTM) | $1.01B | $4.45B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: PayPal Holdings vs Discover Financial
| Metric | PYPL | DFS |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.68 | 10.69 |
| Forward P/E | 14.02 | 15.76 |
| PEG Ratio | 14.02 | 15.76 |
| Price to Sales (TTM) | 2.03 | 3.77 |
| Price to Book (MRQ) | 3.26 | 2.81 |
| Market Capitalization | ||
| Market Capitalization | $65.51B | $50.34B |
| Enterprise Value | $68.49B | $54.07B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.12 | 4.05 |
| Enterprise to EBITDA | 10.48 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.42 | 1.15 |
| Book Value per Share (MRQ) | $21.04 | $71.16 |
Financial Statements Comparison: PayPal Holdings vs Discover Financial
Financial Metrics
Loading Financial Charts...
Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PYPL | DFS |
|---|---|---|
| Revenue/Sales | $7.79B | $4.76B |
| Cost of Goods Sold | $4.08B | N/A |
| Gross Profit | $3.72B | N/A |
| Research & Development | $731.00M | N/A |
| Operating Income (EBIT) | $1.60B | N/A |
| EBITDA | $1.97B | N/A |
| Pre-Tax Income | $1.60B | $1.70B |
| Income Tax | $316.00M | $411.00M |
| Net Income (Profit) | $1.29B | $1.29B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PYPL | DFS |
|---|---|---|
| Cash & Equivalents | $7.45B | $11.87B |
| Total Current Assets | $60.61B | N/A |
| Total Current Liabilities | $46.62B | N/A |
| Long-Term Debt | $11.42B | $14.54B |
| Total Shareholders Equity | $20.25B | $18.96B |
| Retained Earnings | $28.65B | $34.48B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PYPL | DFS |
|---|---|---|
| Operating Cash Flow | $1.24B | $1.29B |
| Capital Expenditures | $-194.00M | $-63.00M |
| Free Cash Flow | $964.00M | $1.92B |
| Debt Repayment | $0 | $-1.83B |
| Common Stock Repurchase | $-1.50B | $-21.00M |
Short Interest & Institutional Ownership Analysis
| Metric | PYPL | DFS |
|---|---|---|
| Shares Short | 32.44M | 5.45M |
| Short Ratio | 3.18 | 2.12 |
| Short % of Float | 0.03% | 0.02% |
| Average Daily Volume (10 Day) | 15,308,137 | 5,150,998 |
| Average Daily Volume (90 Day) | 11,302,299 | 3,227,899 |
| Shares Outstanding | 993.00M | 251.34M |
| Float Shares | 952.26M | 250.18M |
| % Held by Insiders | 0.00% | 0.00% |
| % Held by Institutions | 0.81% | 0.87% |
Dividend Analysis & Yield Comparison: PayPal Holdings vs Discover Financial
| Metric | PYPL | DFS |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |