JPM vs PYPL: Which Is the Better Buy?
Side-by-side comparison of JPMorgan Chase & Co. and PayPal Holdings, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-05-05.
JPMorgan Chase & Co. · Financial Services
$316.99
+139.7% upside to fair value
Grade C
High Quality
VS
PayPal Holdings, Inc. · Financial Services
$50.39
+110.0% upside to fair value
Grade B
QuantHub Verdict
JPM has more upside to fair value
(+139.7%).
PYPL trades at a lower forward P/E
(9.0x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
JPM |
PYPL |
| Current Price |
$316.99 |
$50.39 |
| Fair Value Estimate |
$759.82 |
$105.84 |
| Upside to Fair Value |
+139.7%
|
+110.0%
|
| Market Cap |
$854.9B |
$45.3B |
| Forward P/E |
15.0x
|
9.0x
|
| EV / EBITDA |
21.8x
|
6.1x
|
| Price / Sales |
3.0x
|
1.4x
|
| Price / FCF |
8.5x
|
8.2x
|
| Revenue Growth YoY |
+6.9%
|
+3.7%
|
| Gross Margin |
60.9%
|
46.6%
|
| Operating Margin |
26.2%
|
18.3%
|
| Return on Equity |
16.3%
|
25.9%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
11.79%
|
12.27%
|
| Analyst Consensus |
Buy
|
Sell
|
Investment Thesis
JPMorgan Chase & Co. is a leading diversified financial services firm with a strong competitive moat driven by its scale, diversified revenue streams, and long-tenured leadership. The company operates across four main segments: Commercial & Investment Bank, Consumer & Community Banking, Asset & Wealth Management, and Corporate, generating $279.75 billion in revenue in fiscal 2025. Its durable com…
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 |
JPM |
PYPL |
| Zone Low |
$569.87 |
$79.38 |
| Zone High |
$645.85 |
$89.96 |
| In Buy Zone? |
Yes
|
Yes
|