Visa [V] vs PayPal Holdings [PYPL] Detailed Stock Comparison

Visa Inc.

NYSE
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PayPal Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Visa Inc. wins in 14 metrics, PayPal Holdings Inc. wins in 7 metrics, with 0 ties. Visa Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Visa Inc. PayPal Holdings Inc. Better
P/E Ratio (TTM) 28.98 9.27 PayPal Holdings Inc.
Price-to-Book Ratio 15.42 2.28 PayPal Holdings Inc.
Debt-to-Equity Ratio 54.61 60.70 Visa Inc.
PEG Ratio 1.66 0.25 PayPal Holdings Inc.
EV/EBITDA 20.50 7.17 PayPal Holdings Inc.
Profit Margin (TTM) 50.23% 15.78% Visa Inc.
Operating Margin (TTM) 68.30% 17.49% Visa Inc.
EBITDA Margin (TTM) 68.30% 17.49% Visa Inc.
Return on Equity 53.95% 25.73% Visa Inc.
Return on Assets (TTM) 18.36% 4.88% Visa Inc.
Free Cash Flow (TTM) $21.58B $5.56B Visa Inc.
Dividend Yield 0.78% 0.68% Visa Inc.
1-Year Return -10.63% -36.33% Visa Inc.
Price-to-Sales Ratio (TTM) 14.39 1.36 PayPal Holdings Inc.
Enterprise Value $594.14B $47.68B Visa Inc.
EV/Revenue Ratio 14.35 1.44 PayPal Holdings Inc.
Gross Profit Margin (TTM) 81.68% 46.50% Visa Inc.
Revenue per Share (TTM) $21 $35 PayPal Holdings Inc.
Earnings per Share (Diluted) $10.66 $5.41 Visa Inc.
Beta (Stock Volatility) 0.80 1.41 Visa Inc.
Short % of Float 1.40% 5.69% Visa Inc.

Visa Inc. vs PayPal Holdings Inc. Stock Performance Analysis

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V
PYPL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Visa Inc.-1.55%-2.81%-2.92%-1.00%-3.73%-8.42%
PayPal Holdings Inc.-4.31%0.79%-11.67%-2.45%-29.24%-23.44%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Visa Inc.-10.63%42.65%41.81%308.26%1,549.95%1,928.34%
PayPal Holdings Inc.-36.33%-30.03%-82.99%16.75%29.00%29.00%

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

MetricVPYPL
Market Information
Market Cap i$596.57B$45.42B
Market Cap CategoryMega capLarge cap
10 Day Avg. Volume i6,138,91211,850,881
90 Day Avg. Volume i6,859,42115,069,050
Last Close$312.40$42.61
52 Week Range$293.89 - $375.51$38.46 - $79.50
% from 52W High-16.81%-46.40%
All-Time High$375.51 (Jun 11, 2025)$310.16 (Jul 26, 2021)
% from All-Time High-16.81%-86.26%
Growth Metrics
Quarterly Revenue Growth0.15%0.04%
Quarterly Earnings Growth0.14%0.28%
Financial Health
Profit Margin (TTM) i0.50%0.16%
Operating Margin (TTM) i0.68%0.17%
Return on Equity (TTM) i0.54%0.26%
Debt to Equity (MRQ) i54.6160.70
Cash & Liquidity
Book Value per Share (MRQ)$20.03$22.02
Cash per Share (MRQ)$8.60$11.32
Operating Cash Flow (TTM) i$24.44B$6.42B
Levered Free Cash Flow (TTM) i$22.03B$3.27B
Dividends
Last 12-Month Dividend Yield i0.78%0.68%
Last 12-Month Dividend i$2.52$0.28

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

MetricV (Apr 26, 2026)PYPL (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i28.989.27
Forward P/E i21.238.65
PEG Ratio i1.660.25
Price to Sales (TTM) i14.391.36
Price to Book (MRQ) i15.422.28
Market Capitalization
Market Capitalization i$596.57B$45.42B
Enterprise Value i$594.14B$47.68B
Enterprise Value Metrics
Enterprise to Revenue i14.351.44
Enterprise to EBITDA i20.507.17
Risk & Other Metrics
Beta i0.801.41
Book Value per Share (MRQ) i$20.03$22.02

Financial Statements Comparison: Visa 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

MetricV (2025)PYPL (2025)
Revenue/Sales i40.00B33.17B
Cost of Goods Sold i7.86B17.71B
COGS % of Revenue i19.6%53.4%
Gross Profit i32.15B15.47B
Gross Margin i80.4%46.6%
Research & Development iN/A3.10B
Operating Income (EBIT) i26.56B6.40B
Operating Margin i66.4%19.3%
EBITDA i27.78B7.87B
EBITDA Margin i69.4%23.7%
Pre-Tax Income i24.19B6.29B
Pre-Tax Income % of Revenue i60.5%19.0%
Income Tax i4.14B1.06B
Income Tax % of Revenue i10.3%3.2%
Net Income (Profit) i20.06B5.23B
Profit Margin i50.1%15.8%

Balance Sheet & Liquidity Metrics

MetricV (2025)PYPL (2025)
Cash & Equivalents i17.16B8.05B
Total Current Assets i37.77B59.76B
Total Current Assets % of Revenue i94.4%180.1%
Total Current Liabilities i35.05B46.44B
Total Current Liabilities % of Revenue i87.6%140.0%
Long-Term Debt i19.60B9.99B
Long-Term Debt % of Revenue i49.0%30.1%
Total Shareholders Equity i37.91B20.26B
Retained Earnings i15.11B32.47B
Retained Earnings % of Revenue i37.8%97.9%
Property, Plant & Equipment i00

Cash Flow Statement Comparison

MetricV (2025)PYPL (2025)
Operating Cash Flow i22.89B6.66B
Operating Cash Flow % of Revenue i57.2%20.1%
Capital Expenditures i-1.48B-849.00M
Free Cash Flow i21.58B5.56B
FCF Margin i53.9%16.8%
Debt Repayment i0-5.10B
Common Stock Repurchase i-18.32B-6.05B

Short Interest & Institutional Ownership Analysis

MetricVPYPL
Shares Short i23.46M45.98M
Short Ratio i3.172.55
Short % of Float i1.40%5.69%
Shares Outstanding i1.93B920.00M
Float Shares i1.74B918.58M
% Held by Insiders i0.59%0.66%
% Held by Institutions i90.99%84.06%
% Held by Public i8.42%15.28%

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

MetricVPYPL
Last 12-Month Dividend i$2.52$0.28
Last 12-Month Dividend Yield i0.78%0.68%
3-Year Avg Annual Dividend i$2.23$0.09
3-Year Avg Dividend Yield i0.19%0.29%
3-Year Total Dividends i$6.68$0.28
Ex-Dividend DateFeb 10, 2026Mar 04, 2026