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 2026-09-24.
Apple Inc. · Technology
$337.02
+9.9% upside to fair value
Med Conviction
Grade B
High Quality
VS
PayPal Holdings, Inc. · Financial Services
$52.71
+9.1% upside to fair value
Med Conviction
Grade B-
QuantHub Verdict
AAPL has more upside to fair value
(+9.9%).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
AAPL |
PYPL |
| Current Price |
$337.02 |
$52.71 |
| Fair Value Estimate |
$370.54 |
$57.50 |
| Upside to Fair Value |
+9.9%
|
+9.1%
|
| Market Cap |
$4,949.9B |
$45.1B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
29.6x
|
6.8x
|
| Price / Sales |
10.6x
|
1.3x
|
| Price / FCF |
36.2x
|
7.2x
|
| Revenue Growth YoY |
+16.4%
|
+4.8%
|
| Gross Margin |
48.7%
|
45.8%
|
| Operating Margin |
33.2%
|
18.8%
|
| Return on Equity |
137.2%
|
24.4%
|
| Dividend Yield |
0.31% |
1.06% |
| FCF Yield |
2.76%
|
13.97%
|
| Analyst Consensus |
Buy
|
Hold
|
Investment Thesis
Apple Inc. is a global consumer-electronics and services platform whose hardware lineup (iPhone, Mac, iPad, wearables) and digital ecosystem (App Store, Apple Music, iCloud, Apple Pay, advertising) generated $31.78 of revenue per share and $9.30 of free cash flow per share on a trailing basis, with TTM gross margin of 48.7%, operating margin of 33.2%, net margin of 27.6%, and ROE of 137.2%. Busin…
PayPal operates a global digital-payments platform spanning branded checkout, Venmo, Braintree merchant processing, credit products and fraud-risk infrastructure across approximately 200 markets. Business quality is medium: its two-sided network, trusted brand, broad merchant distribution and risk capabilities remain meaningful assets, but its highest-value branded-checkout franchise is under com…
Accumulation Zones
| Metric |
AAPL |
PYPL |
| Zone Low |
$277.91 |
$43.12 |
| Zone High |
$314.96 |
$48.88 |
| In Buy Zone? |
No
|
No
|