AAPL vs PYPL: Which Is the Better Buy?
Side-by-side comparison of Apple Inc. and PayPal Holdings, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-05-05.
Apple Inc. · Technology
$270.23
+68.0% upside to fair value
Grade B
High Quality
VS
PayPal Holdings, Inc. · Financial Services
$50.39
+110.0% upside to fair value
Grade B
QuantHub Verdict
PYPL has more upside to fair value
(+110.0%).
PYPL trades at a lower forward P/E
(9.0x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
AAPL |
PYPL |
| Current Price |
$270.23 |
$50.39 |
| Fair Value Estimate |
$454.10 |
$105.84 |
| Upside to Fair Value |
+68.0%
|
+110.0%
|
| Market Cap |
$3,971.8B |
$45.3B |
| Forward P/E |
33.8x
|
9.0x
|
| EV / EBITDA |
26.3x
|
6.1x
|
| Price / Sales |
9.1x
|
1.4x
|
| Price / FCF |
32.2x
|
8.2x
|
| Revenue Growth YoY |
+15.7%
|
+3.7%
|
| Gross Margin |
47.3%
|
46.6%
|
| Operating Margin |
32.4%
|
18.3%
|
| Return on Equity |
159.9%
|
25.9%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
3.1%
|
12.27%
|
| Analyst Consensus |
Strong Buy
|
Sell
|
Investment Thesis
Apple Inc. is a leading technology company specializing in consumer electronics, software, and services. The business quality is high due to its durable competitive moats including brand strength, network effects, and switching costs, supported by consistent earnings growth and strong operational execution under CEO Tim Cook. The company reported robust revenue growth of 15.7% and earnings growth…
PayPal Holdings, Inc. operates as a leading digital payments platform offering transaction processing and value-added financial services such as consumer credit and BNPL products. The business quality is medium due to a narrowing competitive moat amid increasing pressure from big tech competitors and slowing growth in its core branded checkout segment. The stock is currently mispriced and cheap, …
Accumulation Zones
| Metric |
AAPL |
PYPL |
| Zone Low |
$340.58 |
$79.38 |
| Zone High |
$385.99 |
$89.96 |
| In Buy Zone? |
Yes
|
Yes
|