PYPL vs V: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and Visa Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-06-20.
PayPal Holdings, Inc. · Financial Services
$42.51
+45.0% upside to fair value
Grade B
VS
Visa Inc. · Financial Services
$327.24
+27.8% upside to fair value
Grade A
High Quality
QuantHub Verdict
PYPL has more upside to fair value
(+45.0%).
PYPL trades at a lower forward P/E
(7.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
PYPL |
V |
| Current Price |
$42.51 |
$327.24 |
| Fair Value Estimate |
$61.64 |
$418.15 |
| Upside to Fair Value |
+45.0%
|
+27.8%
|
| Market Cap |
$37.5B |
$627.3B |
| Forward P/E |
7.7x
|
28.2x
|
| EV / EBITDA |
5.3x
|
22.6x
|
| Price / Sales |
1.1x
|
14.6x
|
| Price / FCF |
6.8x
|
29.6x
|
| Revenue Growth YoY |
+7.2%
|
+17.1%
|
| Gross Margin |
46.1%
|
81.3%
|
| Operating Margin |
17.9%
|
61.1%
|
| Return on Equity |
25.1%
|
58.9%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
14.71%
|
3.38%
|
| Analyst Consensus |
Sell
|
Strong Buy
|
Investment Thesis
PayPal Holdings, Inc. operates as a leading global digital payments platform with a competitive moat driven by its extensive network effects, brand recognition, and scale. Despite a durable business model with 2025 revenue of $33.17 billion growing at 4.3% year-over-year and a strong return on equity of 25.1%, the company faces slowing growth and margin pressures, reflected in a 13.5% decline in …
Visa Inc. operates a global payments network that facilitates electronic funds transfers worldwide, primarily through credit and debit cards. The company benefits from a very strong and widening moat driven by its extensive global card network and acceptance infrastructure, supported by a shareholder-friendly capital allocation policy including high buybacks and dividends. Visa's business quality…
Accumulation Zones
| Metric |
PYPL |
V |
| Zone Low |
$46.23 |
$313.61 |
| Zone High |
$52.39 |
$355.43 |
| In Buy Zone? |
Yes
|
Yes
|