PYPL vs UPS: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and United Parcel Service, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-05-05.
PayPal Holdings, Inc. · Financial Services
$50.39
+110.0% upside to fair value
Grade B
VS
United Parcel Service, Inc. · Industrials
$101.69
+27.8% upside to fair value
Med Conviction
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 |
PYPL |
UPS |
| Current Price |
$50.39 |
$101.69 |
| Fair Value Estimate |
$105.84 |
$130.00 |
| Upside to Fair Value |
+110.0%
|
+27.8%
|
| Market Cap |
$45.3B |
$86.4B |
| Forward P/E |
9.0x
|
15.1x
|
| EV / EBITDA |
6.1x
|
9.1x
|
| Price / Sales |
1.4x
|
0.9x
|
| Price / FCF |
8.2x
|
17.7x
|
| Revenue Growth YoY |
+3.7%
|
-2.5%
|
| Gross Margin |
46.6%
|
18.5%
|
| Operating Margin |
18.3%
|
9.56%
|
| Return on Equity |
25.9%
|
34.3%
|
| Dividend Yield |
0% |
6.41% |
| FCF Yield |
12.27%
|
5.66%
|
| Analyst Consensus |
Sell
|
Hold
|
Investment Thesis
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, …
UPS is the world's largest integrated logistics network with 241,250 employees, operations in 200-plus countries, and 20.8 million packages per day, now in the decisive phase of its most consequential restructuring in 118 years. By deliberately cutting Amazon volume by more than 50 percent (Amazon was 10.6 percent of 2025 revenue), closing 22 to 24 facilities, and eliminating 30,000 positions, ma…
Accumulation Zones
| Metric |
PYPL |
UPS |
| Zone Low |
$79.38 |
$95.00 |
| Zone High |
$89.96 |
$112.00 |
| In Buy Zone? |
Yes
|
Yes
|