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 2026-09-19.
PayPal Holdings, Inc. · Financial Services
$52.71
+9.1% upside to fair value
Med Conviction
Grade B-
VS
United Parcel Service, Inc. · Industrials
$99.02
+21.1% upside to fair value
Med Conviction
Grade B
QuantHub Verdict
UPS has more upside to fair value
(+21.1%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
PYPL |
UPS |
| Current Price |
$52.71 |
$99.02 |
| Fair Value Estimate |
$57.50 |
$119.92 |
| Upside to Fair Value |
+9.1%
|
+21.1%
|
| Market Cap |
$45.1B |
$84.1B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
6.8x
|
10.2x
|
| Price / Sales |
1.3x
|
0.9x
|
| Price / FCF |
7.2x
|
15.3x
|
| Revenue Growth YoY |
+4.8%
|
+7.6%
|
| Gross Margin |
45.8%
|
16.6%
|
| Operating Margin |
18.8%
|
7.3%
|
| Return on Equity |
24.4%
|
29.1%
|
| Dividend Yield |
1.06% |
6.62% |
| FCF Yield |
13.97%
|
6.52%
|
| 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…
United Parcel Service is the world's largest integrated package delivery and logistics network, operating U.S. Domestic Package and International Package segments with roughly 460,000 employees and a 119-year operating history. The business quality is medium: the global air-and-ground network, brand, and scale are genuine assets, but the company is exposed to commoditized freight, Amazon volume c…
Accumulation Zones
| Metric |
PYPL |
UPS |
| Zone Low |
$43.12 |
$89.94 |
| Zone High |
$48.88 |
$101.93 |
| In Buy Zone? |
No
|
Yes
|