GS vs PYPL: Which Is the Better Buy?
Side-by-side comparison of The Goldman Sachs Group, Inc. and PayPal Holdings, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-07-14.
The Goldman Sachs Group, Inc. · Financial Services
$1,045.91
-45.0% upside to fair value
Grade D
VS
PayPal Holdings, Inc. · Financial Services
$42.51
+45.0% upside to fair value
Grade B
QuantHub Verdict
PYPL has more upside to fair value
(+45.0%).
PYPL trades at a lower forward P/E
(7.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
GS |
PYPL |
| Current Price |
$1,045.91 |
$42.51 |
| Fair Value Estimate |
$575.25 |
$61.64 |
| Upside to Fair Value |
-45.0%
|
+45.0%
|
| Market Cap |
$308.6B |
$37.5B |
| Forward P/E |
23.6x
|
7.7x
|
| EV / EBITDA |
15.9x
|
5.3x
|
| Price / Sales |
3.1x
|
1.1x
|
| Price / FCF |
-7.4x
|
6.8x
|
| Revenue Growth YoY |
-35.0%
|
+7.2%
|
| Gross Margin |
47.4%
|
46.1%
|
| Operating Margin |
17.8%
|
17.9%
|
| Return on Equity |
15.3%
|
25.1%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
—
|
14.71%
|
| Analyst Consensus |
Hold
|
Sell
|
Investment Thesis
The Goldman Sachs Group, Inc. operates as a leading global financial services firm specializing in investment banking, securities, investment management, and consumer banking. Despite its strong brand and competitive position in financial capital markets, the company currently faces significant headwinds as evidenced by a 35% decline in revenue and a 100% drop in earnings in the most recent quart…
PayPal Holdings, Inc. operates as a leading global digital payments platform with a competitive moat driven by its extensive network effects, brand recognition, and scale. Despite a durable business model with 2025 revenue of $33.17 billion growing at 4.3% year-over-year and a strong return on equity of 25.1%, the company faces slowing growth and margin pressures, reflected in a 13.5% decline in …
Accumulation Zones
| Metric |
GS |
PYPL |
| Zone Low |
$431.44 |
$46.23 |
| Zone High |
$488.96 |
$52.39 |
| In Buy Zone? |
No
|
Yes
|