Discover Financial [DFS] vs PayPal Holdings [PYPL] Detailed Stock Comparison

Discover Financial

NYSE

PayPal Holdings

NASDAQ

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	14.82	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%	-3.70%	Discover Financial
Price-to-Sales Ratio (TTM)	3.77	2.05	PayPal Holdings
Enterprise Value	$54.07B	$68.30B	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	1.42	Discover Financial

Performance

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	-0.69%	1.59%	-7.71%	-4.52%	-11.88%	-19.88%

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	-3.70%	-25.51%	-66.23%	97.06%	99.05%	99.05%

Performance Comparison

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Key Performance Metrics Available:

Daily, weekly, monthly, and yearly returns
52-week high and low prices
Market capitalization and valuation ratios
Financial health and profitability metrics
Dividend history and yield information

Performance & Financial Health Analysis: Discover Financial vs PayPal Holdings

Metric	DFS	PYPL
Market Information
Market Cap i	$50.34B	$66.14B
Market Cap Category	Large cap	Large cap
10 Day Avg. Volume i	5,150,998	10,522,770
90 Day Avg. Volume i	3,227,899	11,930,660
Last Close	$200.05	$69.05
52 Week Range	$119.95 - $207.42	$55.85 - $93.66
% from 52W High	-3.55%	-26.28%
All-Time High	$207.42 (May 12, 2025)	$310.16 (Jul 26, 2021)
% from All-Time High	-3.55%	-77.74%
Growth Metrics
Quarterly Revenue Growth	0.13%	0.05%
Quarterly Earnings Growth	0.30%	0.12%
Financial Health
Profit Margin (TTM) i	0.36%	0.14%
Operating Margin (TTM) i	0.48%	0.19%
Return on Equity (TTM) i	0.28%	0.23%
Debt to Equity (MRQ) i	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) i	$8.71B	$6.07B
Levered Free Cash Flow (TTM) i	$4.45B	$1.01B
Dividends
Last 12-Month Dividend Yield i	N/A	N/A
Last 12-Month Dividend i	N/A	N/A

Valuation & Enterprise Metrics Analysis: Discover Financial vs PayPal Holdings

Metric	DFS	PYPL
Price Ratios
P/E Ratio (TTM) i	10.69	14.82
Forward P/E i	15.76	14.16
PEG Ratio i	15.76	0.73
Price to Sales (TTM) i	3.77	2.05
Price to Book (MRQ) i	2.81	3.29
Market Capitalization
Market Capitalization i	$50.34B	$66.14B
Enterprise Value i	$54.07B	$68.30B
Enterprise Value Metrics
Enterprise to Revenue i	4.05	2.12
Enterprise to EBITDA i	N/A	10.45
Risk & Other Metrics
Beta i	1.15	1.42
Book Value per Share (MRQ) i	$71.16	$21.04

Financial Statements Comparison: Discover Financial vs PayPal Holdings

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)	DFS	PYPL
Revenue/Sales i	$4.76B	$7.79B
Cost of Goods Sold i	N/A	$4.08B
Gross Profit i	N/A	$3.72B
Research & Development i	N/A	$731.00M
Operating Income (EBIT) i	N/A	$1.60B
EBITDA i	N/A	$1.97B
Pre-Tax Income i	$1.70B	$1.60B
Income Tax i	$411.00M	$316.00M
Net Income (Profit) i	$1.29B	$1.29B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	DFS	PYPL
Cash & Equivalents i	$11.87B	$7.45B
Total Current Assets i	N/A	$60.61B
Total Current Liabilities i	N/A	$46.62B
Long-Term Debt i	$14.54B	$11.42B
Total Shareholders Equity i	$18.96B	$20.25B
Retained Earnings i	$34.48B	$28.65B
Property, Plant & Equipment i	N/A	N/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	DFS	PYPL
Operating Cash Flow i	$1.29B	$1.24B
Capital Expenditures i	$-63.00M	$-194.00M
Free Cash Flow i	$1.92B	$964.00M
Debt Repayment i	$-1.83B	$0
Common Stock Repurchase i	$-21.00M	$-1.50B

Short Interest & Institutional Ownership Analysis

Metric	DFS	PYPL
Shares Short i	5.45M	30.06M
Short Ratio i	2.12	2.57
Short % of Float i	0.02%	0.03%
Average Daily Volume (10 Day) i	5,150,998	10,522,770
Average Daily Volume (90 Day) i	3,227,899	11,930,660
Shares Outstanding i	251.34M	993.00M
Float Shares i	250.18M	952.26M
% Held by Insiders i	0.00%	0.00%
% Held by Institutions i	0.87%	0.80%

Dividend Analysis & Yield Comparison: Discover Financial vs PayPal Holdings

Metric	DFS	PYPL
Last 12-Month Dividend i	N/A	N/A
Last 12-Month Dividend Yield i	N/A	N/A
3-Year Avg Annual Dividend i	N/A	N/A
3-Year Avg Dividend Yield i	N/A	N/A
3-Year Total Dividends i	N/A	N/A
Ex-Dividend Date	N/A	N/A

Discover Financial [DFS] vs PayPal Holdings [PYPL] Detailed Stock Comparison