Capital One [COF] vs PayPal Holdings [PYPL] Detailed Stock Comparison

Capital One Financial Corporation

NYSE
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PayPal Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Capital One Financial Corporation wins in 11 metrics, PayPal Holdings Inc. wins in 8 metrics, with 0 ties. Capital One Financial Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Capital One Financial Corporation PayPal Holdings Inc. Better
P/E Ratio (TTM) 60.69 9.27 PayPal Holdings Inc.
Price-to-Book Ratio 1.13 2.28 Capital One Financial Corporation
Debt-to-Equity Ratio 0.46 60.70 Capital One Financial Corporation
PEG Ratio -17.50 0.25 PayPal Holdings Inc.
EV/EBITDA N/A 7.17 N/A
Profit Margin (TTM) 8.88% 15.78% PayPal Holdings Inc.
Operating Margin (TTM) 28.59% 17.49% Capital One Financial Corporation
EBITDA Margin (TTM) 28.59% 17.49% Capital One Financial Corporation
Return on Equity 3.26% 25.73% PayPal Holdings Inc.
Return on Assets (TTM) 0.49% 4.88% PayPal Holdings Inc.
Free Cash Flow (TTM) $26.14B $5.56B Capital One Financial Corporation
Dividend Yield 1.47% 0.68% Capital One Financial Corporation
1-Year Return -0.64% -36.33% Capital One Financial Corporation
Price-to-Sales Ratio (TTM) 3.43 1.36 PayPal Holdings Inc.
Enterprise Value $101.91B $47.68B Capital One Financial Corporation
EV/Revenue Ratio 2.81 1.44 PayPal Holdings Inc.
Gross Profit Margin (TTM) N/A 46.50% N/A
Revenue per Share (TTM) $60 $35 Capital One Financial Corporation
Earnings per Share (Diluted) $3.24 $5.41 PayPal Holdings Inc.
Beta (Stock Volatility) 1.14 1.41 Capital One Financial Corporation
Short % of Float 1.42% 5.69% Capital One Financial Corporation

Capital One Financial Corporation vs PayPal Holdings Inc. Stock Performance Analysis

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COF
PYPL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Capital One Financial Corporation-3.35%-1.38%-3.20%-5.39%-17.93%-25.85%
PayPal Holdings Inc.-1.50%0.79%-11.67%-2.45%-29.24%-23.44%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Capital One Financial Corporation-0.64%70.09%13.03%162.47%264.56%124.50%
PayPal Holdings Inc.-36.33%-30.03%-82.99%16.75%29.00%29.00%

Performance & Financial Health Analysis: Capital One Financial Corporation vs PayPal Holdings Inc.

MetricCOFPYPL
Market Information
Market Cap i$121.38B$45.42B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i4,080,67811,850,881
90 Day Avg. Volume i4,704,25915,069,050
Last Close$177.68$44.51
52 Week Range$174.98 - $259.64$38.46 - $79.50
% from 52W High-31.57%-44.01%
All-Time High$259.61 (Jan 06, 2026)$310.16 (Jul 26, 2021)
% from All-Time High-31.56%-85.65%
Growth Metrics
Quarterly Revenue Growth0.46%0.04%
Quarterly Earnings Growth0.55%0.28%
Financial Health
Profit Margin (TTM) i0.09%0.16%
Operating Margin (TTM) i0.29%0.17%
Return on Equity (TTM) i0.03%0.26%
Debt to Equity (MRQ) i0.4660.70
Cash & Liquidity
Book Value per Share (MRQ)$173.49$22.02
Cash per Share (MRQ)$124.20$11.32
Operating Cash Flow (TTM) i$6.98B$6.42B
Levered Free Cash Flow (TTM) i$2.18B$3.27B
Dividends
Last 12-Month Dividend Yield i1.47%0.68%
Last 12-Month Dividend i$2.80$0.28

Valuation & Enterprise Metrics Analysis: Capital One Financial Corporation vs PayPal Holdings Inc.

MetricCOF (Apr 26, 2026)PYPL (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i60.699.27
Forward P/E i8.258.65
PEG Ratio i-17.500.25
Price to Sales (TTM) i3.431.36
Price to Book (MRQ) i1.132.28
Market Capitalization
Market Capitalization i$121.38B$45.42B
Enterprise Value i$101.91B$47.68B
Enterprise Value Metrics
Enterprise to Revenue i2.811.44
Enterprise to EBITDA iN/A7.17
Risk & Other Metrics
Beta i1.141.41
Book Value per Share (MRQ) i$173.49$22.02

Financial Statements Comparison: Capital One Financial Corporation vs PayPal Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCOF (2025)PYPL (2025)
Revenue/Sales i53.43B33.17B
Cost of Goods Sold iN/A17.71B
COGS % of Revenue i0.0%53.4%
Gross Profit iN/A15.47B
Gross Margin i0.0%46.6%
Research & Development iN/A3.10B
Operating Income (EBIT) iN/A6.40B
Operating Margin i0.0%19.3%
EBITDA iN/A7.87B
EBITDA Margin i0.0%23.7%
Pre-Tax Income i2.28B6.29B
Pre-Tax Income % of Revenue i4.3%19.0%
Income Tax i193.00M1.06B
Income Tax % of Revenue i0.4%3.2%
Net Income (Profit) i2.45B5.23B
Profit Margin i4.6%15.8%

Balance Sheet & Liquidity Metrics

MetricCOF (2025)PYPL (2025)
Cash & Equivalents i57.43B8.05B
Total Current Assets iN/A59.76B
Total Current Assets % of Revenue i0.0%180.1%
Total Current Liabilities iN/A46.44B
Total Current Liabilities % of Revenue i0.0%140.0%
Long-Term Debt i49.91B9.99B
Long-Term Debt % of Revenue i93.4%30.1%
Total Shareholders Equity i113.62B20.26B
Retained Earnings i65.19B32.47B
Retained Earnings % of Revenue i122.0%97.9%
Property, Plant & Equipment iN/A0

Cash Flow Statement Comparison

MetricCOF (2025)PYPL (2025)
Operating Cash Flow i6.98B6.66B
Operating Cash Flow % of Revenue i13.1%20.1%
Capital Expenditures i-1.58B-849.00M
Free Cash Flow i26.14B5.56B
FCF Margin i48.9%16.8%
Debt Repayment i-17.86B-5.10B
Common Stock Repurchase i-4.60B-6.05B

Short Interest & Institutional Ownership Analysis

MetricCOFPYPL
Shares Short i7.89M45.98M
Short Ratio i1.462.55
Short % of Float i1.42%5.69%
Shares Outstanding i634.20M920.00M
Float Shares i603.13M918.58M
% Held by Insiders i1.88%0.66%
% Held by Institutions i87.17%84.06%
% Held by Public i10.95%15.28%

Dividend Analysis & Yield Comparison: Capital One Financial Corporation vs PayPal Holdings Inc.

MetricCOFPYPL
Last 12-Month Dividend i$2.80$0.28
Last 12-Month Dividend Yield i1.47%0.68%
3-Year Avg Annual Dividend i$2.53$0.09
3-Year Avg Dividend Yield i0.41%0.29%
3-Year Total Dividends i$7.60$0.28
Ex-Dividend DateFeb 19, 2026Mar 04, 2026