Mastercard [MA] vs PayPal Holdings [PYPL] Detailed Stock Comparison

Mastercard Inc.

NYSE
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PayPal Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Mastercard Inc. wins in 13 metrics, PayPal Holdings Inc. wins in 8 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Mastercard Inc. PayPal Holdings Inc. Better
P/E Ratio (TTM) 30.95 9.27 PayPal Holdings Inc.
Price-to-Book Ratio 59.09 2.28 PayPal Holdings Inc.
Debt-to-Equity Ratio 256.04 60.70 PayPal Holdings Inc.
PEG Ratio 1.27 0.25 PayPal Holdings Inc.
EV/EBITDA 22.63 7.17 PayPal Holdings Inc.
Profit Margin (TTM) 45.65% 15.78% Mastercard Inc.
Operating Margin (TTM) 57.73% 17.49% Mastercard Inc.
EBITDA Margin (TTM) 57.73% 17.49% Mastercard Inc.
Return on Equity 209.92% 25.73% Mastercard Inc.
Return on Assets (TTM) 23.72% 4.88% Mastercard Inc.
Free Cash Flow (TTM) $16.43B $5.56B Mastercard Inc.
Dividend Yield 0.55% 0.68% PayPal Holdings Inc.
1-Year Return -12.82% -41.37% Mastercard Inc.
Price-to-Sales Ratio (TTM) 13.92 1.36 PayPal Holdings Inc.
Enterprise Value $464.97B $47.68B Mastercard Inc.
EV/Revenue Ratio 14.18 1.44 PayPal Holdings Inc.
Gross Profit Margin (TTM) 79.35% 46.50% Mastercard Inc.
Revenue per Share (TTM) $36 $35 Mastercard Inc.
Earnings per Share (Diluted) $16.52 $5.41 Mastercard Inc.
Beta (Stock Volatility) 0.83 1.41 Mastercard Inc.
Short % of Float 0.70% 5.69% Mastercard Inc.

Mastercard Inc. vs PayPal Holdings Inc. Stock Performance Analysis

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MA
PYPL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Mastercard Inc.0.13%1.02%-0.72%-3.51%-13.79%-12.87%
PayPal Holdings Inc.2.31%2.98%-4.32%-6.45%-30.05%-26.92%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Mastercard Inc.-12.82%30.13%33.36%425.22%1,741.34%10,788.44%
PayPal Holdings Inc.-41.37%-37.48%-85.34%12.33%19.72%19.72%

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

MetricMAPYPL
Market Information
Market Cap i$448.34B$45.42B
Market Cap CategoryMega capLarge cap
10 Day Avg. Volume i3,152,47711,850,881
90 Day Avg. Volume i3,291,50615,069,050
Last Close$490.64$42.49
52 Week Range$464.52 - $601.77$38.46 - $79.50
% from 52W High-18.47%-46.55%
All-Time High$601.77 (Aug 22, 2025)$310.16 (Jul 26, 2021)
% from All-Time High-18.47%-86.30%
Growth Metrics
Quarterly Revenue Growth0.18%0.04%
Quarterly Earnings Growth0.22%0.28%
Financial Health
Profit Margin (TTM) i0.46%0.16%
Operating Margin (TTM) i0.58%0.17%
Return on Equity (TTM) i2.10%0.26%
Debt to Equity (MRQ) i256.0460.70
Cash & Liquidity
Book Value per Share (MRQ)$8.65$22.02
Cash per Share (MRQ)$12.22$11.32
Operating Cash Flow (TTM) i$17.65B$6.42B
Levered Free Cash Flow (TTM) i$16.27B$3.27B
Dividends
Last 12-Month Dividend Yield i0.55%0.68%
Last 12-Month Dividend i$3.15$0.28

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

MetricMA (Apr 24, 2026)PYPL (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i30.959.27
Forward P/E i22.568.65
PEG Ratio i1.270.25
Price to Sales (TTM) i13.921.36
Price to Book (MRQ) i59.092.28
Market Capitalization
Market Capitalization i$448.34B$45.42B
Enterprise Value i$464.97B$47.68B
Enterprise Value Metrics
Enterprise to Revenue i14.181.44
Enterprise to EBITDA i22.637.17
Risk & Other Metrics
Beta i0.831.41
Book Value per Share (MRQ) i$8.65$22.02

Financial Statements Comparison: Mastercard Inc. 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

MetricMA (2025)PYPL (2025)
Revenue/Sales i32.79B33.17B
Cost of Goods Sold i7.25B17.71B
COGS % of Revenue i22.1%53.4%
Gross Profit i25.54B15.47B
Gross Margin i77.9%46.6%
Research & Development iN/A3.10B
Operating Income (EBIT) i19.51B6.40B
Operating Margin i59.5%19.3%
EBITDA i20.82B7.87B
EBITDA Margin i63.5%23.7%
Pre-Tax Income i18.58B6.29B
Pre-Tax Income % of Revenue i56.7%19.0%
Income Tax i3.61B1.06B
Income Tax % of Revenue i11.0%3.2%
Net Income (Profit) i14.97B5.23B
Profit Margin i45.6%15.8%

Balance Sheet & Liquidity Metrics

MetricMA (2025)PYPL (2025)
Cash & Equivalents i10.57B8.05B
Total Current Assets i23.56B59.76B
Total Current Assets % of Revenue i71.8%180.1%
Total Current Liabilities i22.76B46.44B
Total Current Liabilities % of Revenue i69.4%140.0%
Long-Term Debt i18.25B9.99B
Long-Term Debt % of Revenue i55.7%30.1%
Total Shareholders Equity i7.75B20.26B
Retained Earnings i85.04B32.47B
Retained Earnings % of Revenue i259.3%97.9%
Property, Plant & Equipment i3.71B0

Cash Flow Statement Comparison

MetricMA (2025)PYPL (2025)
Operating Cash Flow i19.44B6.66B
Operating Cash Flow % of Revenue i59.3%20.1%
Capital Expenditures i-489.00M-849.00M
Free Cash Flow i16.43B5.56B
FCF Margin i50.1%16.8%
Debt Repayment i-750.00M-5.10B
Common Stock Repurchase i-11.73B-6.05B

Short Interest & Institutional Ownership Analysis

MetricMAPYPL
Shares Short i6.24M45.98M
Short Ratio i1.832.55
Short % of Float i0.70%5.69%
Shares Outstanding i894.04M920.00M
Float Shares i883.99M918.58M
% Held by Insiders i0.55%0.66%
% Held by Institutions i90.43%84.06%
% Held by Public i9.02%15.28%

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

MetricMAPYPL
Last 12-Month Dividend i$3.15$0.28
Last 12-Month Dividend Yield i0.55%0.68%
3-Year Avg Annual Dividend i$2.75$0.09
3-Year Avg Dividend Yield i0.14%0.29%
3-Year Total Dividends i$8.26$0.28
Ex-Dividend DateJan 09, 2026Mar 04, 2026