PYPL vs WDC: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and Western Digital Corporation — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-08-06.
PayPal Holdings, Inc. · Financial Services
$42.51
+45.0% upside to fair value
Grade B
VS
Western Digital Corporation · Technology
$519.17
-28.7% upside to fair value
Med Conviction
Grade C+
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 |
WDC |
| Current Price |
$42.51 |
$519.17 |
| Fair Value Estimate |
$61.64 |
$370.00 |
| Upside to Fair Value |
+45.0%
|
-28.7%
|
| Market Cap |
$37.5B |
$178.9B |
| Forward P/E |
7.7x
|
27.8x
|
| EV / EBITDA |
5.3x
|
37.3x
|
| Price / Sales |
1.1x
|
13.9x
|
| Price / FCF |
6.8x
|
51.0x
|
| Revenue Growth YoY |
+7.2%
|
+35.7%
|
| Gross Margin |
46.1%
|
48.9%
|
| Operating Margin |
17.9%
|
34.9%
|
| Return on Equity |
25.1%
|
43.4%
|
| Dividend Yield |
0% |
0.1% |
| FCF Yield |
14.71%
|
2.0%
|
| Analyst Consensus |
Sell
|
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 …
Western Digital is now a pure-play, duopoly hard-disk-drive manufacturer, having spun off its NAND flash business as SanDisk in February 2025 and sold its remaining SanDisk stake for $3.1 billion in February 2026. It is riding the same AI-storage supercycle as SanDisk and Micron, but from the mass-capacity nearline HDD side: hyperscalers are buying every high-capacity drive WDC can make for AI da…
Accumulation Zones
| Metric |
PYPL |
WDC |
| Zone Low |
$46.23 |
$278.00 |
| Zone High |
$52.39 |
$315.00 |
| In Buy Zone? |
Yes
|
No
|