PLTR vs PYPL: Which Is the Better Buy?
Side-by-side comparison of Palantir Technologies Inc. and PayPal Holdings, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-05-05.
Palantir Technologies Inc. · Technology
$142.76
-24.3% upside to fair value
Med Conviction
Grade C
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 |
PLTR |
PYPL |
| Current Price |
$142.76 |
$50.39 |
| Fair Value Estimate |
$108.00 |
$105.84 |
| Upside to Fair Value |
-24.3%
|
+110.0%
|
| Market Cap |
$327.1B |
$45.3B |
| Forward P/E |
209.7x
|
9.0x
|
| EV / EBITDA |
—
|
6.1x
|
| Price / Sales |
73.1x
|
1.4x
|
| Price / FCF |
155.7x
|
8.2x
|
| Revenue Growth YoY |
+19.1%
|
+3.7%
|
| Gross Margin |
82.4%
|
46.6%
|
| Operating Margin |
31.6%
|
18.3%
|
| Return on Equity |
25.7%
|
25.9%
|
| Dividend Yield |
— |
0% |
| FCF Yield |
0.6%
|
12.27%
|
| Analyst Consensus |
Buy
|
Sell
|
Investment Thesis
Palantir Technologies develops data analytics and AI software platforms like Gotham and Foundry for government and commercial clients. The business excels with high margins (gross 82.4%, net 36.3%), accelerating growth (Q4 FY2025 revenue up 70% YoY to $1.41B, 2026 guidance $7.19B implying 61% growth), and strong moats in defense and enterprise AI, but trades expensively at 73x P/S versus 5-year m…
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 |
PLTR |
PYPL |
| Zone Low |
$81.00 |
$79.38 |
| Zone High |
$92.00 |
$89.96 |
| In Buy Zone? |
No
|
Yes
|