PYPL vs WMT: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and Walmart 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
Walmart Inc. · Consumer Defensive
$117.18
-39.6% upside to fair value
Grade C
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 |
WMT |
| Current Price |
$42.51 |
$117.18 |
| Fair Value Estimate |
$61.64 |
$70.81 |
| Upside to Fair Value |
+45.0%
|
-39.6%
|
| Market Cap |
$37.5B |
$932.5B |
| Forward P/E |
7.7x
|
41.1x
|
| EV / EBITDA |
5.3x
|
20.7x
|
| Price / Sales |
1.1x
|
1.3x
|
| Price / FCF |
6.8x
|
74.3x
|
| Revenue Growth YoY |
+7.2%
|
+7.3%
|
| Gross Margin |
46.1%
|
25.0%
|
| Operating Margin |
17.9%
|
4.2%
|
| Return on Equity |
25.1%
|
24.3%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
14.71%
|
1.35%
|
| 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 …
Walmart Inc. operates as a leading discount retailer with a strong competitive moat built on scale, cost leadership, and advanced logistics and technology infrastructure. The company benefits from a diversified revenue base with Walmart U.S. contributing 69%, International 18%, and Sam's Club 13%. Despite solid revenue growth of 7.3% and earnings growth of 25.9% in the most recent quarter, the st…
Accumulation Zones
| Metric |
PYPL |
WMT |
| Zone Low |
$46.23 |
$53.11 |
| Zone High |
$52.39 |
$60.19 |
| In Buy Zone? |
Yes
|
No
|