PYPL vs VST: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and Vistra Corp. — 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
Vistra Corp. · Utilities
$140.67
-23.0% 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.
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Valuation & Fundamentals
| Metric |
PYPL |
VST |
| Current Price |
$52.71 |
$140.67 |
| Fair Value Estimate |
$57.50 |
$108.27 |
| Upside to Fair Value |
+9.1%
|
-23.0%
|
| Market Cap |
$45.1B |
$47.4B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
6.8x
|
10.3x
|
| Price / Sales |
1.3x
|
3.0x
|
| Price / FCF |
7.2x
|
34.7x
|
| Revenue Growth YoY |
+4.8%
|
-5.5%
|
| Gross Margin |
45.8%
|
13.0%
|
| Operating Margin |
18.8%
|
2.3%
|
| Return on Equity |
24.4%
|
41.5%
|
| Dividend Yield |
1.06% |
0.65% |
| FCF Yield |
13.97%
|
2.88%
|
| Analyst Consensus |
Hold
|
Strong Buy
|
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…
Vistra Corp. is a vertically integrated independent power producer and retail electricity supplier operating roughly 38,700 megawatts of generation across natural gas, nuclear, coal, solar, and battery storage, serving about 4.3 million retail customers in 20 states and the District of Columbia. The business quality is mixed: the diversified PJM and ERCOT fleet plus retail load is a genuine struc…
Accumulation Zones
| Metric |
PYPL |
VST |
| Zone Low |
$43.12 |
$81.20 |
| Zone High |
$48.88 |
$92.03 |
| In Buy Zone? |
No
|
No
|