INTU vs PYPL: Which Is the Better Buy?
Side-by-side comparison of Intuit Inc. and PayPal Holdings, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-05-05.
Intuit Inc. · Technology
$396.57
+37.7% upside to fair value
High Conviction
Grade A-
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 |
INTU |
PYPL |
| Current Price |
$396.57 |
$50.39 |
| Fair Value Estimate |
$546.00 |
$105.84 |
| Upside to Fair Value |
+37.7%
|
+110.0%
|
| Market Cap |
$110.4B |
$45.3B |
| Forward P/E |
19.5x
|
9.0x
|
| EV / EBITDA |
19.0x
|
6.1x
|
| Price / Sales |
5.9x
|
1.4x
|
| Price / FCF |
18.1x
|
8.2x
|
| Revenue Growth YoY |
+15.6%
|
+3.7%
|
| Gross Margin |
80.8%
|
46.6%
|
| Operating Margin |
26.1%
|
18.3%
|
| Return on Equity |
19.6%
|
25.9%
|
| Dividend Yield |
1.17% |
0% |
| FCF Yield |
5.51%
|
12.27%
|
| Analyst Consensus |
Buy
|
Sell
|
Investment Thesis
Intuit is a near-monopoly financial operating system for 60+ million American households and small businesses. TurboTax handles 40%+ of US e-filed returns; QuickBooks is so deeply embedded in SMB workflows it has become the default accounting standard. The stock has fallen 51% from its 2025 high as markets price in AI disruption that has not materialized at scale and may not, since tax complexity…
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 |
INTU |
PYPL |
| Zone Low |
$410.00 |
$79.38 |
| Zone High |
$464.00 |
$89.96 |
| In Buy Zone? |
Yes
|
Yes
|