PayPal Holdings [PYPL] vs Discover Financial [DFS] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 21 vital metrics comparison: PayPal Holdings Inc. wins in 7 metrics, Discover Financial Services wins in 11 metrics, with 0 ties. Discover Financial Services appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | PayPal Holdings Inc. | Discover Financial Services | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.27 | 10.69 | PayPal Holdings Inc. |
| Price-to-Book Ratio | 2.28 | 2.81 | PayPal Holdings Inc. |
| Debt-to-Equity Ratio | 60.70 | 76.67 | PayPal Holdings Inc. |
| PEG Ratio | 0.25 | 15.76 | PayPal Holdings Inc. |
| EV/EBITDA | 7.17 | N/A | N/A |
| Profit Margin (TTM) | 15.78% | 35.88% | Discover Financial Services |
| Operating Margin (TTM) | 17.49% | 48.02% | Discover Financial Services |
| EBITDA Margin (TTM) | 17.49% | 48.02% | Discover Financial Services |
| Return on Equity | 25.73% | 28.47% | Discover Financial Services |
| Return on Assets (TTM) | 4.88% | 3.19% | PayPal Holdings Inc. |
| Free Cash Flow (TTM) | $5.56B | $8.16B | Discover Financial Services |
| Dividend Yield | 0.68% | N/A | N/A |
| 1-Year Return | -41.37% | 59.50% | Discover Financial Services |
| Price-to-Sales Ratio (TTM) | 1.36 | 3.77 | PayPal Holdings Inc. |
| Enterprise Value | $47.68B | $54.07B | Discover Financial Services |
| EV/Revenue Ratio | 1.44 | 4.05 | PayPal Holdings Inc. |
| Gross Profit Margin (TTM) | 46.50% | N/A | N/A |
| Revenue per Share (TTM) | $35 | $53 | Discover Financial Services |
| Earnings per Share (Diluted) | $5.41 | $18.72 | Discover Financial Services |
| Beta (Stock Volatility) | 1.41 | 1.15 | Discover Financial Services |
| Short % of Float | 5.69% | 2.49% | Discover Financial Services |
PayPal Holdings Inc. vs Discover Financial Services Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| PayPal Holdings Inc. | 2.31% | 2.98% | -4.32% | -6.45% | -30.05% | -26.92% |
| Discover Financial Services | -0.21% | 5.25% | 27.98% | 32.59% | 32.59% | 32.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PayPal Holdings Inc. | -41.37% | -37.48% | -85.34% | 12.33% | 19.72% | 19.72% |
| Discover Financial Services | 59.50% | 92.69% | 394.32% | 235.99% | 1,378.57% | 587.93% |
Performance & Financial Health Analysis: PayPal Holdings Inc. vs Discover Financial Services
| Metric | PYPL | DFS |
|---|---|---|
| Market Information | ||
| Market Cap | $45.42B | $50.34B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 11,850,881 | 5,150,998 |
| 90 Day Avg. Volume | 15,069,050 | 3,227,899 |
| Last Close | $42.49 | $200.05 |
| 52 Week Range | $38.46 - $79.50 | $119.95 - $207.42 |
| % from 52W High | -46.55% | -3.55% |
| All-Time High | $310.16 (Jul 26, 2021) | $207.42 (May 12, 2025) |
| % from All-Time High | -86.30% | -3.55% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.04% | 0.13% |
| Quarterly Earnings Growth | 0.28% | 0.30% |
| Financial Health | ||
| Profit Margin (TTM) | 0.16% | 0.36% |
| Operating Margin (TTM) | 0.17% | 0.48% |
| Return on Equity (TTM) | 0.26% | 0.28% |
| Debt to Equity (MRQ) | 60.70 | 76.67 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $22.02 | $71.16 |
| Cash per Share (MRQ) | $11.32 | $47.16 |
| Operating Cash Flow (TTM) | $6.42B | $8.71B |
| Levered Free Cash Flow (TTM) | $3.27B | $4.45B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.68% | N/A |
| Last 12-Month Dividend | $0.28 | N/A |
Valuation & Enterprise Metrics Analysis: PayPal Holdings Inc. vs Discover Financial Services
| Metric | PYPL (Apr 26, 2026) | DFS (May 30, 2025) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.27 | 10.69 |
| Forward P/E | 8.65 | 15.76 |
| PEG Ratio | 0.25 | 15.76 |
| Price to Sales (TTM) | 1.36 | 3.77 |
| Price to Book (MRQ) | 2.28 | 2.81 |
| Market Capitalization | ||
| Market Capitalization | $45.42B | $50.34B |
| Enterprise Value | $47.68B | $54.07B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.44 | 4.05 |
| Enterprise to EBITDA | 7.17 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.41 | 1.15 |
| Book Value per Share (MRQ) | $22.02 | $71.16 |
Financial Statements Comparison: PayPal Holdings Inc. vs Discover Financial Services
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | PYPL (2025) | DFS (2024) |
|---|---|---|
| Revenue/Sales | 33.17B | 17.91B |
| Cost of Goods Sold | 17.71B | N/A |
| COGS % of Revenue | 53.4% | 0.0% |
| Gross Profit | 15.47B | N/A |
| Gross Margin | 46.6% | 0.0% |
| Research & Development | 3.10B | N/A |
| Operating Income (EBIT) | 6.40B | N/A |
| Operating Margin | 19.3% | 0.0% |
| EBITDA | 7.87B | N/A |
| EBITDA Margin | 23.7% | 0.0% |
| Pre-Tax Income | 6.29B | 6.07B |
| Pre-Tax Income % of Revenue | 19.0% | 33.9% |
| Income Tax | 1.06B | 1.54B |
| Income Tax % of Revenue | 3.2% | 8.6% |
| Net Income (Profit) | 5.23B | 4.54B |
| Profit Margin | 15.8% | 25.3% |
Balance Sheet & Liquidity Metrics
| Metric | PYPL (2025) | DFS (2024) |
|---|---|---|
| Cash & Equivalents | 8.05B | 8.47B |
| Total Current Assets | 59.76B | N/A |
| Total Current Assets % of Revenue | 180.1% | 0.0% |
| Total Current Liabilities | 46.44B | N/A |
| Total Current Liabilities % of Revenue | 140.0% | 0.0% |
| Long-Term Debt | 9.99B | 16.25B |
| Long-Term Debt % of Revenue | 30.1% | 90.7% |
| Total Shareholders Equity | 20.26B | 17.93B |
| Retained Earnings | 32.47B | 33.58B |
| Retained Earnings % of Revenue | 97.9% | 187.5% |
| Property, Plant & Equipment | 0 | N/A |
Cash Flow Statement Comparison
| Metric | PYPL (2025) | DFS (2024) |
|---|---|---|
| Operating Cash Flow | 6.66B | 4.70B |
| Operating Cash Flow % of Revenue | 20.1% | 26.2% |
| Capital Expenditures | -849.00M | -209.00M |
| Free Cash Flow | 5.56B | 8.16B |
| FCF Margin | 16.8% | 45.5% |
| Debt Repayment | -5.10B | -5.07B |
| Common Stock Repurchase | -6.05B | -83.00M |
Short Interest & Institutional Ownership Analysis
| Metric | PYPL | DFS |
|---|---|---|
| Shares Short | 45.98M | 5.45M |
| Short Ratio | 2.55 | 2.12 |
| Short % of Float | 5.69% | 2.49% |
| Shares Outstanding | 920.00M | 251.34M |
| Float Shares | 918.58M | 250.18M |
| % Held by Insiders | 0.66% | 0.16% |
| % Held by Institutions | 84.06% | 86.52% |
| % Held by Public | 15.28% | 13.32% |
Dividend Analysis & Yield Comparison: PayPal Holdings Inc. vs Discover Financial Services
| Metric | PYPL | DFS |
|---|---|---|
| Last 12-Month Dividend | $0.28 | N/A |
| Last 12-Month Dividend Yield | 0.68% | N/A |
| 3-Year Avg Annual Dividend | $0.09 | N/A |
| 3-Year Avg Dividend Yield | 0.29% | N/A |
| 3-Year Total Dividends | $0.28 | N/A |
| Ex-Dividend Date | Mar 04, 2026 | N/A |