Discover Financial [DFS] vs PayPal Holdings [PYPL] Detailed Stock Comparison
Discover Financial
NYSE
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PayPal Holdings
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Discover Financial wins in 11 metrics, PayPal Holdings wins in 6 metrics, with 0 ties. Discover Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Discover Financial | PayPal Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.69 | 14.83 | Discover Financial |
| Price-to-Book Ratio | 2.81 | 3.29 | Discover Financial |
| Debt-to-Equity Ratio | 76.67 | 60.25 | PayPal Holdings |
| PEG Ratio | 15.76 | 0.73 | PayPal Holdings |
| EV/EBITDA | N/A | 10.45 | N/A |
| Profit Margin (TTM) | 35.88% | 14.49% | Discover Financial |
| Operating Margin (TTM) | 48.02% | 19.29% | Discover Financial |
| EBITDA Margin (TTM) | 48.02% | 19.29% | Discover Financial |
| Return on Equity | 28.47% | 22.92% | Discover Financial |
| Return on Assets (TTM) | 3.19% | 4.61% | PayPal Holdings |
| Free Cash Flow (TTM) | $8.16B | $6.77B | Discover Financial |
| 1-Year Return | 59.50% | -12.74% | Discover Financial |
| Price-to-Sales Ratio (TTM) | 3.77 | 2.05 | PayPal Holdings |
| Enterprise Value | $54.07B | $68.32B | PayPal Holdings |
| EV/Revenue Ratio | 4.05 | 2.12 | PayPal Holdings |
| Gross Profit Margin (TTM) | N/A | 46.38% | N/A |
| Revenue per Share (TTM) | $53 | $33 | Discover Financial |
| Earnings per Share (Diluted) | $18.72 | $4.67 | Discover Financial |
| Beta (Stock Volatility) | 1.15 | 1.45 | Discover Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Discover Financial vs PayPal Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Discover Financial | -0.21% | 5.25% | 27.98% | 1.92% | 15.49% | 14.84% |
| PayPal Holdings | 2.95% | 2.90% | -0.56% | -9.58% | 12.22% | -19.64% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Discover Financial | 59.50% | 92.69% | 394.32% | 235.99% | 1,378.57% | 587.93% |
| PayPal Holdings | -12.74% | -23.20% | -64.90% | 116.00% | 99.63% | 99.63% |
News Based Sentiment: Discover Financial vs PayPal Holdings
Discover Financial
News sentiment data is not available for Discover Financial at this time.
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.
Performance & Financial Health Analysis: Discover Financial vs PayPal Holdings
| Metric | DFS | PYPL |
|---|---|---|
| Market Information | ||
| Market Cap | $50.34B | $66.80B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 5,150,998 | 14,481,370 |
| 90 Day Avg. Volume | 3,227,899 | 11,942,093 |
| Last Close | $200.05 | $71.29 |
| 52 Week Range | $119.95 - $207.42 | $55.85 - $93.66 |
| % from 52W High | -3.55% | -23.88% |
| All-Time High | $207.42 (May 12, 2025) | $310.16 (Jul 26, 2021) |
| % from All-Time High | -3.55% | -77.02% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.13% | 0.05% |
| Quarterly Earnings Growth | 0.30% | 0.12% |
| Financial Health | ||
| Profit Margin (TTM) | 0.36% | 0.14% |
| Operating Margin (TTM) | 0.48% | 0.19% |
| Return on Equity (TTM) | 0.28% | 0.23% |
| Debt to Equity (MRQ) | 76.67 | 60.25 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $71.16 | $21.04 |
| Cash per Share (MRQ) | $47.16 | $10.48 |
| Operating Cash Flow (TTM) | $8.71B | $6.07B |
| Levered Free Cash Flow (TTM) | $4.45B | $1.01B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: Discover Financial vs PayPal Holdings
| Metric | DFS | PYPL |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.69 | 14.83 |
| Forward P/E | 15.76 | 14.16 |
| PEG Ratio | 15.76 | 0.73 |
| Price to Sales (TTM) | 3.77 | 2.05 |
| Price to Book (MRQ) | 2.81 | 3.29 |
| Market Capitalization | ||
| Market Capitalization | $50.34B | $66.80B |
| Enterprise Value | $54.07B | $68.32B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.05 | 2.12 |
| Enterprise to EBITDA | N/A | 10.45 |
| Risk & Other Metrics | ||
| Beta | 1.15 | 1.45 |
| Book Value per Share (MRQ) | $71.16 | $21.04 |
Financial Statements Comparison: Discover Financial vs PayPal Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | DFS | PYPL |
|---|---|---|
| Revenue/Sales | $4.76B | $7.79B |
| Cost of Goods Sold | N/A | $4.08B |
| Gross Profit | N/A | $3.72B |
| Research & Development | N/A | $731.00M |
| Operating Income (EBIT) | N/A | $1.60B |
| EBITDA | N/A | $1.97B |
| Pre-Tax Income | $1.70B | $1.60B |
| Income Tax | $411.00M | $316.00M |
| Net Income (Profit) | $1.29B | $1.29B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | DFS | PYPL |
|---|---|---|
| Cash & Equivalents | $11.87B | $7.45B |
| Total Current Assets | N/A | $60.61B |
| Total Current Liabilities | N/A | $46.62B |
| Long-Term Debt | $14.54B | $11.42B |
| Total Shareholders Equity | $18.96B | $20.25B |
| Retained Earnings | $34.48B | $28.65B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | DFS | PYPL |
|---|---|---|
| Operating Cash Flow | $1.29B | $1.24B |
| Capital Expenditures | $-63.00M | $-194.00M |
| Free Cash Flow | $1.92B | $964.00M |
| Debt Repayment | $-1.83B | $0 |
| Common Stock Repurchase | $-21.00M | $-1.50B |
Short Interest & Institutional Ownership Analysis
| Metric | DFS | PYPL |
|---|---|---|
| Shares Short | 5.45M | 29.86M |
| Short Ratio | 2.12 | 3.23 |
| Short % of Float | 0.02% | 0.03% |
| Average Daily Volume (10 Day) | 5,150,998 | 14,481,370 |
| Average Daily Volume (90 Day) | 3,227,899 | 11,942,093 |
| Shares Outstanding | 251.34M | 993.00M |
| Float Shares | 250.18M | 952.18M |
| % Held by Insiders | 0.00% | 0.00% |
| % Held by Institutions | 0.87% | 0.81% |
Dividend Analysis & Yield Comparison: Discover Financial vs PayPal Holdings
| Metric | DFS | PYPL |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |