Discover Financial [DFS] vs PayPal Holdings [PYPL] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 21 vital metrics comparison: Discover Financial Services wins in 11 metrics, PayPal Holdings Inc. wins in 7 metrics, with 0 ties. Discover Financial Services appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Discover Financial Services | PayPal Holdings Inc. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.69 | 9.27 | PayPal Holdings Inc. |
| Price-to-Book Ratio | 2.81 | 2.28 | PayPal Holdings Inc. |
| Debt-to-Equity Ratio | 76.67 | 60.70 | PayPal Holdings Inc. |
| PEG Ratio | 15.76 | 0.25 | PayPal Holdings Inc. |
| EV/EBITDA | N/A | 7.17 | N/A |
| Profit Margin (TTM) | 35.88% | 15.78% | Discover Financial Services |
| Operating Margin (TTM) | 48.02% | 17.49% | Discover Financial Services |
| EBITDA Margin (TTM) | 48.02% | 17.49% | Discover Financial Services |
| Return on Equity | 28.47% | 25.73% | Discover Financial Services |
| Return on Assets (TTM) | 3.19% | 4.88% | PayPal Holdings Inc. |
| Free Cash Flow (TTM) | $8.16B | $5.56B | Discover Financial Services |
| Dividend Yield | N/A | 0.68% | N/A |
| 1-Year Return | 59.50% | -41.37% | Discover Financial Services |
| Price-to-Sales Ratio (TTM) | 3.77 | 1.36 | PayPal Holdings Inc. |
| Enterprise Value | $54.07B | $47.68B | Discover Financial Services |
| EV/Revenue Ratio | 4.05 | 1.44 | PayPal Holdings Inc. |
| Gross Profit Margin (TTM) | N/A | 46.50% | N/A |
| Revenue per Share (TTM) | $53 | $35 | Discover Financial Services |
| Earnings per Share (Diluted) | $18.72 | $5.41 | Discover Financial Services |
| Beta (Stock Volatility) | 1.15 | 1.41 | Discover Financial Services |
| Short % of Float | 2.49% | 5.69% | Discover Financial Services |
Discover Financial Services vs PayPal Holdings Inc. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Discover Financial Services | -0.21% | 5.25% | 27.98% | 32.59% | 32.59% | 32.59% |
| PayPal Holdings Inc. | 2.31% | 2.98% | -4.32% | -6.45% | -30.05% | -26.92% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Discover Financial Services | 59.50% | 92.69% | 394.32% | 235.99% | 1,378.57% | 587.93% |
| PayPal Holdings Inc. | -41.37% | -37.48% | -85.34% | 12.33% | 19.72% | 19.72% |
Performance & Financial Health Analysis: Discover Financial Services vs PayPal Holdings Inc.
| Metric | DFS | PYPL |
|---|---|---|
| Market Information | ||
| Market Cap | $50.34B | $45.42B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 5,150,998 | 11,850,881 |
| 90 Day Avg. Volume | 3,227,899 | 15,069,050 |
| Last Close | $200.05 | $42.49 |
| 52 Week Range | $119.95 - $207.42 | $38.46 - $79.50 |
| % from 52W High | -3.55% | -46.55% |
| All-Time High | $207.42 (May 12, 2025) | $310.16 (Jul 26, 2021) |
| % from All-Time High | -3.55% | -86.30% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.13% | 0.04% |
| Quarterly Earnings Growth | 0.30% | 0.28% |
| Financial Health | ||
| Profit Margin (TTM) | 0.36% | 0.16% |
| Operating Margin (TTM) | 0.48% | 0.17% |
| Return on Equity (TTM) | 0.28% | 0.26% |
| Debt to Equity (MRQ) | 76.67 | 60.70 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $71.16 | $22.02 |
| Cash per Share (MRQ) | $47.16 | $11.32 |
| Operating Cash Flow (TTM) | $8.71B | $6.42B |
| Levered Free Cash Flow (TTM) | $4.45B | $3.27B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.68% |
| Last 12-Month Dividend | N/A | $0.28 |
Valuation & Enterprise Metrics Analysis: Discover Financial Services vs PayPal Holdings Inc.
| Metric | DFS (May 30, 2025) | PYPL (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.69 | 9.27 |
| Forward P/E | 15.76 | 8.65 |
| PEG Ratio | 15.76 | 0.25 |
| Price to Sales (TTM) | 3.77 | 1.36 |
| Price to Book (MRQ) | 2.81 | 2.28 |
| Market Capitalization | ||
| Market Capitalization | $50.34B | $45.42B |
| Enterprise Value | $54.07B | $47.68B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.05 | 1.44 |
| Enterprise to EBITDA | N/A | 7.17 |
| Risk & Other Metrics | ||
| Beta | 1.15 | 1.41 |
| Book Value per Share (MRQ) | $71.16 | $22.02 |
Financial Statements Comparison: Discover Financial Services 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
| Metric | DFS (2024) | PYPL (2025) |
|---|---|---|
| Revenue/Sales | 17.91B | 33.17B |
| Cost of Goods Sold | N/A | 17.71B |
| COGS % of Revenue | 0.0% | 53.4% |
| Gross Profit | N/A | 15.47B |
| Gross Margin | 0.0% | 46.6% |
| Research & Development | N/A | 3.10B |
| Operating Income (EBIT) | N/A | 6.40B |
| Operating Margin | 0.0% | 19.3% |
| EBITDA | N/A | 7.87B |
| EBITDA Margin | 0.0% | 23.7% |
| Pre-Tax Income | 6.07B | 6.29B |
| Pre-Tax Income % of Revenue | 33.9% | 19.0% |
| Income Tax | 1.54B | 1.06B |
| Income Tax % of Revenue | 8.6% | 3.2% |
| Net Income (Profit) | 4.54B | 5.23B |
| Profit Margin | 25.3% | 15.8% |
Balance Sheet & Liquidity Metrics
| Metric | DFS (2024) | PYPL (2025) |
|---|---|---|
| Cash & Equivalents | 8.47B | 8.05B |
| Total Current Assets | N/A | 59.76B |
| Total Current Assets % of Revenue | 0.0% | 180.1% |
| Total Current Liabilities | N/A | 46.44B |
| Total Current Liabilities % of Revenue | 0.0% | 140.0% |
| Long-Term Debt | 16.25B | 9.99B |
| Long-Term Debt % of Revenue | 90.7% | 30.1% |
| Total Shareholders Equity | 17.93B | 20.26B |
| Retained Earnings | 33.58B | 32.47B |
| Retained Earnings % of Revenue | 187.5% | 97.9% |
| Property, Plant & Equipment | N/A | 0 |
Cash Flow Statement Comparison
| Metric | DFS (2024) | PYPL (2025) |
|---|---|---|
| Operating Cash Flow | 4.70B | 6.66B |
| Operating Cash Flow % of Revenue | 26.2% | 20.1% |
| Capital Expenditures | -209.00M | -849.00M |
| Free Cash Flow | 8.16B | 5.56B |
| FCF Margin | 45.5% | 16.8% |
| Debt Repayment | -5.07B | -5.10B |
| Common Stock Repurchase | -83.00M | -6.05B |
Short Interest & Institutional Ownership Analysis
| Metric | DFS | PYPL |
|---|---|---|
| Shares Short | 5.45M | 45.98M |
| Short Ratio | 2.12 | 2.55 |
| Short % of Float | 2.49% | 5.69% |
| Shares Outstanding | 251.34M | 920.00M |
| Float Shares | 250.18M | 918.58M |
| % Held by Insiders | 0.16% | 0.66% |
| % Held by Institutions | 86.52% | 84.06% |
| % Held by Public | 13.32% | 15.28% |
Dividend Analysis & Yield Comparison: Discover Financial Services vs PayPal Holdings Inc.
| Metric | DFS | PYPL |
|---|---|---|
| Last 12-Month Dividend | N/A | $0.28 |
| Last 12-Month Dividend Yield | N/A | 0.68% |
| 3-Year Avg Annual Dividend | N/A | $0.09 |
| 3-Year Avg Dividend Yield | N/A | 0.29% |
| 3-Year Total Dividends | N/A | $0.28 |
| Ex-Dividend Date | N/A | Mar 04, 2026 |