PYPL vs WFC: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and Wells Fargo & Company — 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
Wells Fargo & Company · Financial Services
$81.52
+30.6% upside to fair value
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 |
WFC |
| Current Price |
$50.39 |
$81.52 |
| Fair Value Estimate |
$105.84 |
$106.49 |
| Upside to Fair Value |
+110.0%
|
+30.6%
|
| Market Cap |
$45.3B |
$250.7B |
| Forward P/E |
9.0x
|
11.9x
|
| EV / EBITDA |
6.1x
|
16.7x
|
| Price / Sales |
1.4x
|
2.0x
|
| Price / FCF |
8.2x
|
-13.2x
|
| Revenue Growth YoY |
+3.7%
|
+7.3%
|
| Gross Margin |
46.6%
|
64.5%
|
| Operating Margin |
18.3%
|
20.5%
|
| Return on Equity |
25.9%
|
12.0%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
12.27%
|
—
|
| Analyst Consensus |
Sell
|
Buy
|
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, …
Wells Fargo & Company is a diversified financial services firm operating primarily in consumer banking, commercial banking, corporate and investment banking, and wealth and investment management. The company benefits from a seasoned CEO with extensive industry experience and has made significant progress in regulatory compliance and operational efficiency, including lifting its asset cap in 2025.…
Accumulation Zones
| Metric |
PYPL |
WFC |
| Zone Low |
$79.38 |
$79.87 |
| Zone High |
$89.96 |
$90.52 |
| In Buy Zone? |
Yes
|
Yes
|