PayPal Holdings [PYPL] vs Mastercard [MA] Detailed Stock Comparison

PayPal Holdings

NASDAQ
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Mastercard

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: PayPal Holdings wins in 7 metrics, Mastercard wins in 12 metrics, with 0 ties. Mastercard appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricPayPal HoldingsMastercardBetter
P/E Ratio (TTM)14.8339.11PayPal Holdings
Price-to-Book Ratio3.2966.96PayPal Holdings
Debt-to-Equity Ratio60.25240.92PayPal Holdings
PEG Ratio0.732.41PayPal Holdings
EV/EBITDA10.4528.46PayPal Holdings
Profit Margin (TTM)14.49%44.93%Mastercard
Operating Margin (TTM)19.29%59.92%Mastercard
EBITDA Margin (TTM)19.29%59.92%Mastercard
Return on Equity22.92%176.95%Mastercard
Return on Assets (TTM)4.61%23.68%Mastercard
Free Cash Flow (TTM)$6.77B$13.59BMastercard
Dividend YieldN/A0.53%N/A
1-Year Return-12.74%15.24%Mastercard
Price-to-Sales Ratio (TTM)2.0517.35PayPal Holdings
Enterprise Value$68.32B$534.36BMastercard
EV/Revenue Ratio2.1217.67PayPal Holdings
Gross Profit Margin (TTM)46.38%77.23%Mastercard
Revenue per Share (TTM)$33$33Mastercard
Earnings per Share (Diluted)$4.67$14.84Mastercard
Beta (Stock Volatility)1.450.97Mastercard
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

PayPal Holdings vs Mastercard Stock Performance Analysis

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PayPal Holdings
Mastercard
PayPal Holdings Stock Overview | Mastercard Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PayPal Holdings2.95%2.90%-0.56%-9.58%12.22%-19.64%
Mastercard-0.28%1.88%-1.33%2.42%19.21%10.80%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PayPal Holdings-12.74%-23.20%-64.90%116.00%99.63%99.63%
Mastercard15.24%100.50%70.54%492.80%2,376.72%12,791.09%

News Based Sentiment: PayPal Holdings vs Mastercard

PayPal Holdings

News based Sentiment: MIXED

October presented a mixed bag for PayPal, with a strong earnings report and optimistic guidance offset by a stock decline and varying investor sentiment. The company's strategic moves into AI and cryptocurrency position it for future growth, but the market's reaction suggests caution is warranted. This makes it a significant month for investors to reassess their positions.

View PayPal Holdings News Sentiment Analysis

Mastercard

News based Sentiment: POSITIVE

Mastercard delivered strong Q2 earnings, launched new initiatives in advertising and digital identity, and expanded support for small businesses. These developments, combined with positive stock performance, indicate a positive trajectory for the company, though valuation remains a consideration.

View Mastercard News Sentiment Analysis

Performance & Financial Health Analysis: PayPal Holdings vs Mastercard

MetricPYPLMA
Market Information
Market Cap i$66.80B$524.73B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i14,481,3702,763,400
90 Day Avg. Volume i11,942,0932,666,430
Last Close$71.29$578.81
52 Week Range$55.85 - $93.66$465.59 - $601.77
% from 52W High-23.88%-3.82%
All-Time High$310.16 (Jul 26, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-77.02%-3.82%
Growth Metrics
Quarterly Revenue Growth0.05%0.17%
Quarterly Earnings Growth0.12%0.14%
Financial Health
Profit Margin (TTM) i0.14%0.45%
Operating Margin (TTM) i0.19%0.60%
Return on Equity (TTM) i0.23%1.77%
Debt to Equity (MRQ) i60.25240.92
Cash & Liquidity
Book Value per Share (MRQ)$21.04$8.67
Cash per Share (MRQ)$10.48$10.36
Operating Cash Flow (TTM) i$6.07B$16.95B
Levered Free Cash Flow (TTM) i$1.01B$15.46B
Dividends
Last 12-Month Dividend Yield iN/A0.53%
Last 12-Month Dividend iN/A$2.84

Valuation & Enterprise Metrics Analysis: PayPal Holdings vs Mastercard

MetricPYPLMA
Price Ratios
P/E Ratio (TTM) i14.8339.11
Forward P/E i14.1635.44
PEG Ratio i0.732.41
Price to Sales (TTM) i2.0517.35
Price to Book (MRQ) i3.2966.96
Market Capitalization
Market Capitalization i$66.80B$524.73B
Enterprise Value i$68.32B$534.36B
Enterprise Value Metrics
Enterprise to Revenue i2.1217.67
Enterprise to EBITDA i10.4528.46
Risk & Other Metrics
Beta i1.450.97
Book Value per Share (MRQ) i$21.04$8.67

Financial Statements Comparison: PayPal Holdings vs Mastercard

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)PYPLMA
Revenue/Sales i$7.79B$7.25B
Cost of Goods Sold i$4.08B$1.69B
Gross Profit i$3.72B$5.56B
Research & Development i$731.00MN/A
Operating Income (EBIT) i$1.60B$4.30B
EBITDA i$1.97B$4.58B
Pre-Tax Income i$1.60B$4.03B
Income Tax i$316.00M$751.00M
Net Income (Profit) i$1.29B$3.28B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)PYPLMA
Cash & Equivalents i$7.45B$7.58B
Total Current Assets i$60.61B$19.80B
Total Current Liabilities i$46.62B$17.83B
Long-Term Debt i$11.42B$18.80B
Total Shareholders Equity i$20.25B$6.70B
Retained Earnings i$28.65B$75.50B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)PYPLMA
Operating Cash Flow i$1.24B$4.47B
Capital Expenditures i$-194.00M$-159.00M
Free Cash Flow i$964.00M$2.02B
Debt Repayment i$0$-750.00M
Common Stock Repurchase i$-1.50B$-2.55B

Short Interest & Institutional Ownership Analysis

MetricPYPLMA
Shares Short i29.86M5.88M
Short Ratio i3.232.55
Short % of Float i0.03%0.01%
Average Daily Volume (10 Day) i14,481,3702,763,400
Average Daily Volume (90 Day) i11,942,0932,666,430
Shares Outstanding i993.00M913.40M
Float Shares i952.18M896.00M
% Held by Insiders i0.00%0.01%
% Held by Institutions i0.81%0.90%

Dividend Analysis & Yield Comparison: PayPal Holdings vs Mastercard

MetricPYPLMA
Last 12-Month Dividend iN/A$2.84
Last 12-Month Dividend Yield iN/A0.53%
3-Year Avg Annual Dividend iN/A$2.09
3-Year Avg Dividend Yield iN/A0.15%
3-Year Total Dividends iN/A$6.28
Ex-Dividend DateN/AApr 09, 2025