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

PayPal Holdings Inc.

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: PayPal Holdings Inc. wins in 8 metrics, Mastercard Inc. wins in 13 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric PayPal Holdings Inc. Mastercard Inc. Better
P/E Ratio (TTM) 9.27 30.95 PayPal Holdings Inc.
Price-to-Book Ratio 2.28 59.09 PayPal Holdings Inc.
Debt-to-Equity Ratio 60.70 256.04 PayPal Holdings Inc.
PEG Ratio 0.25 1.27 PayPal Holdings Inc.
EV/EBITDA 7.17 22.63 PayPal Holdings Inc.
Profit Margin (TTM) 15.78% 45.65% Mastercard Inc.
Operating Margin (TTM) 17.49% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 17.49% 57.73% Mastercard Inc.
Return on Equity 25.73% 209.92% Mastercard Inc.
Return on Assets (TTM) 4.88% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $5.56B $16.43B Mastercard Inc.
Dividend Yield 0.68% 0.55% PayPal Holdings Inc.
1-Year Return -41.37% -12.82% Mastercard Inc.
Price-to-Sales Ratio (TTM) 1.36 13.92 PayPal Holdings Inc.
Enterprise Value $47.68B $464.97B Mastercard Inc.
EV/Revenue Ratio 1.44 14.18 PayPal Holdings Inc.
Gross Profit Margin (TTM) 46.50% 79.35% Mastercard Inc.
Revenue per Share (TTM) $35 $36 Mastercard Inc.
Earnings per Share (Diluted) $5.41 $16.52 Mastercard Inc.
Beta (Stock Volatility) 1.41 0.83 Mastercard Inc.
Short % of Float 5.69% 0.70% Mastercard Inc.

PayPal Holdings Inc. vs Mastercard Inc. Stock Performance Analysis

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PYPL
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PayPal Holdings Inc.2.31%2.98%-4.32%-6.45%-30.05%-26.92%
Mastercard Inc.0.13%1.02%-0.72%-3.51%-13.79%-12.87%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PayPal Holdings Inc.-41.37%-37.48%-85.34%12.33%19.72%19.72%
Mastercard Inc.-12.82%30.13%33.36%425.22%1,741.34%10,788.44%

Performance & Financial Health Analysis: PayPal Holdings Inc. vs Mastercard Inc.

MetricPYPLMA
Market Information
Market Cap i$45.42B$448.34B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i11,850,8813,152,477
90 Day Avg. Volume i15,069,0503,291,506
Last Close$42.49$490.64
52 Week Range$38.46 - $79.50$464.52 - $601.77
% from 52W High-46.55%-18.47%
All-Time High$310.16 (Jul 26, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-86.30%-18.47%
Growth Metrics
Quarterly Revenue Growth0.04%0.18%
Quarterly Earnings Growth0.28%0.22%
Financial Health
Profit Margin (TTM) i0.16%0.46%
Operating Margin (TTM) i0.17%0.58%
Return on Equity (TTM) i0.26%2.10%
Debt to Equity (MRQ) i60.70256.04
Cash & Liquidity
Book Value per Share (MRQ)$22.02$8.65
Cash per Share (MRQ)$11.32$12.22
Operating Cash Flow (TTM) i$6.42B$17.65B
Levered Free Cash Flow (TTM) i$3.27B$16.27B
Dividends
Last 12-Month Dividend Yield i0.68%0.55%
Last 12-Month Dividend i$0.28$3.15

Valuation & Enterprise Metrics Analysis: PayPal Holdings Inc. vs Mastercard Inc.

MetricPYPL (Apr 26, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.2730.95
Forward P/E i8.6522.56
PEG Ratio i0.251.27
Price to Sales (TTM) i1.3613.92
Price to Book (MRQ) i2.2859.09
Market Capitalization
Market Capitalization i$45.42B$448.34B
Enterprise Value i$47.68B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i1.4414.18
Enterprise to EBITDA i7.1722.63
Risk & Other Metrics
Beta i1.410.83
Book Value per Share (MRQ) i$22.02$8.65

Financial Statements Comparison: PayPal Holdings Inc. vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPYPL (2025)MA (2025)
Revenue/Sales i33.17B32.79B
Cost of Goods Sold i17.71B7.25B
COGS % of Revenue i53.4%22.1%
Gross Profit i15.47B25.54B
Gross Margin i46.6%77.9%
Research & Development i3.10BN/A
Operating Income (EBIT) i6.40B19.51B
Operating Margin i19.3%59.5%
EBITDA i7.87B20.82B
EBITDA Margin i23.7%63.5%
Pre-Tax Income i6.29B18.58B
Pre-Tax Income % of Revenue i19.0%56.7%
Income Tax i1.06B3.61B
Income Tax % of Revenue i3.2%11.0%
Net Income (Profit) i5.23B14.97B
Profit Margin i15.8%45.6%

Balance Sheet & Liquidity Metrics

MetricPYPL (2025)MA (2025)
Cash & Equivalents i8.05B10.57B
Total Current Assets i59.76B23.56B
Total Current Assets % of Revenue i180.1%71.8%
Total Current Liabilities i46.44B22.76B
Total Current Liabilities % of Revenue i140.0%69.4%
Long-Term Debt i9.99B18.25B
Long-Term Debt % of Revenue i30.1%55.7%
Total Shareholders Equity i20.26B7.75B
Retained Earnings i32.47B85.04B
Retained Earnings % of Revenue i97.9%259.3%
Property, Plant & Equipment i03.71B

Cash Flow Statement Comparison

MetricPYPL (2025)MA (2025)
Operating Cash Flow i6.66B19.44B
Operating Cash Flow % of Revenue i20.1%59.3%
Capital Expenditures i-849.00M-489.00M
Free Cash Flow i5.56B16.43B
FCF Margin i16.8%50.1%
Debt Repayment i-5.10B-750.00M
Common Stock Repurchase i-6.05B-11.73B

Short Interest & Institutional Ownership Analysis

MetricPYPLMA
Shares Short i45.98M6.24M
Short Ratio i2.551.83
Short % of Float i5.69%0.70%
Shares Outstanding i920.00M894.04M
Float Shares i918.58M883.99M
% Held by Insiders i0.66%0.55%
% Held by Institutions i84.06%90.43%
% Held by Public i15.28%9.02%

Dividend Analysis & Yield Comparison: PayPal Holdings Inc. vs Mastercard Inc.

MetricPYPLMA
Last 12-Month Dividend i$0.28$3.15
Last 12-Month Dividend Yield i0.68%0.55%
3-Year Avg Annual Dividend i$0.09$2.75
3-Year Avg Dividend Yield i0.29%0.14%
3-Year Total Dividends i$0.28$8.26
Ex-Dividend DateMar 04, 2026Jan 09, 2026