PayPal Holdings [PYPL] vs Visa [V] Detailed Stock Comparison

PayPal Holdings Inc.

NASDAQ
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Visa Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: PayPal Holdings Inc. wins in 7 metrics, Visa Inc. wins in 14 metrics, with 0 ties. Visa Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric PayPal Holdings Inc. Visa Inc. Better
P/E Ratio (TTM) 9.27 28.98 PayPal Holdings Inc.
Price-to-Book Ratio 2.28 15.42 PayPal Holdings Inc.
Debt-to-Equity Ratio 60.70 54.61 Visa Inc.
PEG Ratio 0.25 1.66 PayPal Holdings Inc.
EV/EBITDA 7.17 20.50 PayPal Holdings Inc.
Profit Margin (TTM) 15.78% 50.23% Visa Inc.
Operating Margin (TTM) 17.49% 68.30% Visa Inc.
EBITDA Margin (TTM) 17.49% 68.30% Visa Inc.
Return on Equity 25.73% 53.95% Visa Inc.
Return on Assets (TTM) 4.88% 18.36% Visa Inc.
Free Cash Flow (TTM) $5.56B $21.58B Visa Inc.
Dividend Yield 0.68% 0.78% Visa Inc.
1-Year Return -36.33% -10.63% Visa Inc.
Price-to-Sales Ratio (TTM) 1.36 14.39 PayPal Holdings Inc.
Enterprise Value $47.68B $594.14B Visa Inc.
EV/Revenue Ratio 1.44 14.35 PayPal Holdings Inc.
Gross Profit Margin (TTM) 46.50% 81.68% Visa Inc.
Revenue per Share (TTM) $35 $21 PayPal Holdings Inc.
Earnings per Share (Diluted) $5.41 $10.66 Visa Inc.
Beta (Stock Volatility) 1.41 0.80 Visa Inc.
Short % of Float 5.69% 1.40% Visa Inc.

PayPal Holdings Inc. vs Visa Inc. Stock Performance Analysis

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PYPL
V

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PayPal Holdings Inc.-4.31%-2.63%-15.44%-8.13%-30.42%-26.71%
Visa Inc.-1.55%-4.64%-4.42%-2.63%-5.22%-9.84%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PayPal Holdings Inc.-36.33%-30.03%-82.99%16.75%29.00%29.00%
Visa Inc.-10.63%42.65%41.81%308.26%1,549.95%1,928.34%

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

MetricPYPLV
Market Information
Market Cap i$45.42B$596.57B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i11,850,8816,138,912
90 Day Avg. Volume i15,069,0506,859,421
Last Close$42.61$312.40
52 Week Range$38.46 - $79.50$293.89 - $375.51
% from 52W High-46.40%-16.81%
All-Time High$310.16 (Jul 26, 2021)$375.51 (Jun 11, 2025)
% from All-Time High-86.26%-16.81%
Growth Metrics
Quarterly Revenue Growth0.04%0.15%
Quarterly Earnings Growth0.28%0.14%
Financial Health
Profit Margin (TTM) i0.16%0.50%
Operating Margin (TTM) i0.17%0.68%
Return on Equity (TTM) i0.26%0.54%
Debt to Equity (MRQ) i60.7054.61
Cash & Liquidity
Book Value per Share (MRQ)$22.02$20.03
Cash per Share (MRQ)$11.32$8.60
Operating Cash Flow (TTM) i$6.42B$24.44B
Levered Free Cash Flow (TTM) i$3.27B$22.03B
Dividends
Last 12-Month Dividend Yield i0.68%0.78%
Last 12-Month Dividend i$0.28$2.52

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

MetricPYPL (Apr 26, 2026)V (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i9.2728.98
Forward P/E i8.6521.23
PEG Ratio i0.251.66
Price to Sales (TTM) i1.3614.39
Price to Book (MRQ) i2.2815.42
Market Capitalization
Market Capitalization i$45.42B$596.57B
Enterprise Value i$47.68B$594.14B
Enterprise Value Metrics
Enterprise to Revenue i1.4414.35
Enterprise to EBITDA i7.1720.50
Risk & Other Metrics
Beta i1.410.80
Book Value per Share (MRQ) i$22.02$20.03

Financial Statements Comparison: PayPal Holdings Inc. vs Visa 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)V (2025)
Revenue/Sales i33.17B40.00B
Cost of Goods Sold i17.71B7.86B
COGS % of Revenue i53.4%19.6%
Gross Profit i15.47B32.15B
Gross Margin i46.6%80.4%
Research & Development i3.10BN/A
Operating Income (EBIT) i6.40B26.56B
Operating Margin i19.3%66.4%
EBITDA i7.87B27.78B
EBITDA Margin i23.7%69.4%
Pre-Tax Income i6.29B24.19B
Pre-Tax Income % of Revenue i19.0%60.5%
Income Tax i1.06B4.14B
Income Tax % of Revenue i3.2%10.3%
Net Income (Profit) i5.23B20.06B
Profit Margin i15.8%50.1%

Balance Sheet & Liquidity Metrics

MetricPYPL (2025)V (2025)
Cash & Equivalents i8.05B17.16B
Total Current Assets i59.76B37.77B
Total Current Assets % of Revenue i180.1%94.4%
Total Current Liabilities i46.44B35.05B
Total Current Liabilities % of Revenue i140.0%87.6%
Long-Term Debt i9.99B19.60B
Long-Term Debt % of Revenue i30.1%49.0%
Total Shareholders Equity i20.26B37.91B
Retained Earnings i32.47B15.11B
Retained Earnings % of Revenue i97.9%37.8%
Property, Plant & Equipment i00

Cash Flow Statement Comparison

MetricPYPL (2025)V (2025)
Operating Cash Flow i6.66B22.89B
Operating Cash Flow % of Revenue i20.1%57.2%
Capital Expenditures i-849.00M-1.48B
Free Cash Flow i5.56B21.58B
FCF Margin i16.8%53.9%
Debt Repayment i-5.10B0
Common Stock Repurchase i-6.05B-18.32B

Short Interest & Institutional Ownership Analysis

MetricPYPLV
Shares Short i45.98M23.46M
Short Ratio i2.553.17
Short % of Float i5.69%1.40%
Shares Outstanding i920.00M1.93B
Float Shares i918.58M1.74B
% Held by Insiders i0.66%0.59%
% Held by Institutions i84.06%90.99%
% Held by Public i15.28%8.42%

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

MetricPYPLV
Last 12-Month Dividend i$0.28$2.52
Last 12-Month Dividend Yield i0.68%0.78%
3-Year Avg Annual Dividend i$0.09$2.23
3-Year Avg Dividend Yield i0.29%0.19%
3-Year Total Dividends i$0.28$6.68
Ex-Dividend DateMar 04, 2026Feb 10, 2026