PYPL vs SMCI: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and Super Micro Computer, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-09-26.
PayPal Holdings, Inc. · Financial Services
$52.71
+9.1% upside to fair value
Med Conviction
Grade B-
VS
Super Micro Computer, Inc. · Technology
$43.26
-4.2% upside to fair value
Med Conviction
Grade C
QuantHub Verdict
PYPL has more upside to fair value
(+9.1%).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
PYPL |
SMCI |
| Current Price |
$52.71 |
$43.26 |
| Fair Value Estimate |
$57.50 |
$41.44 |
| Upside to Fair Value |
+9.1%
|
-4.2%
|
| Market Cap |
$45.1B |
$28.0B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
6.8x
|
8.9x
|
| Price / Sales |
1.3x
|
0.7x
|
| Price / FCF |
7.2x
|
—
|
| Revenue Growth YoY |
+4.8%
|
+93.2%
|
| Gross Margin |
45.8%
|
10.8%
|
| Operating Margin |
18.8%
|
7.1%
|
| Return on Equity |
24.4%
|
25.1%
|
| Dividend Yield |
1.06% |
0% |
| FCF Yield |
13.97%
|
—
|
| Analyst Consensus |
Hold
|
Hold
|
Investment Thesis
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…
Super Micro Computer designs and sells modular, open-standard server and storage systems, with a growing franchise in liquid- and air-cooled AI racks such as the NVIDIA Vera Rubin NVL72, sold through direct, distribution and OEM channels to data center, cloud, AI, 5G and edge customers. The business quality is mixed: revenue grew 93.2% year over year and earnings grew 503.7% in the most recent qu…
Accumulation Zones
| Metric |
PYPL |
SMCI |
| Zone Low |
$43.12 |
$31.08 |
| Zone High |
$48.88 |
$35.22 |
| In Buy Zone? |
No
|
No
|