PYPL PEER ANALYSIS

PayPal Holdings Inc — metric-by-metric comparison with peers and the industry median

PYPLPayPal Holdings Inc

🇺🇸 USA · US · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

PYPLIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PYPL	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
P/E	8.30●	—	113.62	37.96	172.84	15.93
P/B	2.10●	89.80	24.14	6.24	13.74	2.03
EV/EBITDA	5.63●	—	—	34.15	—	15.71
P/S	—	—	—	—	—	—

Financial Health
Metric	PYPL	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
Current Ratio	1.26	—	—	788.09●	—	1.20
Debt/Equity	47.0%	0.0%●	0.0%●	383.4%	0.0%●	116.1%
NetDebt/EBITDA	0.01●	—	—	11.13	—	2.39

Profitability
Metric	PYPL	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
Net Margin	15.0%●	—	—	8.9%	—	10.0%
ROE	25.1%	10.6%	32.2%●	15.9%	8.9%	13.4%
ROA	6.3%●	—	—	2.9%	—	2.9%
EBITDA Margin	—	—	—	—	—	—

Growth + Dividend
Metric	PYPL	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
Rev. Growth	—	—	—	—	—	—
NI Growth	11.3%	—	—	—	—	19.9%
Div. Yield	1.0%	—	—	—	—	1.2%
Payout	5.1%	—	—	—	—	16.3%

Valuation
Metric	PYPL	AFRM	SYF	SOFI	ALLY	COF	Ind. Median
P/E	8.30	76.11	7.39●	42.40	10.82	42.49	15.93
P/B	2.10	7.69	1.59	2.26	0.91●	1.13	2.03
EV/EBITDA	5.63	31.39	4.33	22.34	2.15	0.89●	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PYPL	AFRM	SYF	SOFI	ALLY	COF	Ind. Median
Current Ratio	1.26	717.01●	1.33	0.17	0.20	0.36	1.20
Debt/Equity	47.0%	235.6%	99.7%	17.7%●	138.4%	45.0%	116.1%
NetDebt/EBITDA	0.01	5.32	-0.81	-5.08	-2.37	-12.84●	2.39

Profitability
Metric	PYPL	AFRM	SYF	SOFI	ALLY	COF	Ind. Median
Net Margin	15.0%	9.6%	18.1%●	11.2%	8.9%	4.3%	10.0%
ROE	25.1%●	11.5%	21.8%	6.6%	9.4%	3.7%	13.4%
ROA	6.3%●	3.2%	3.0%	1.3%	0.7%	0.5%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	PYPL	AFRM	SYF	SOFI	ALLY	COF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	11.3%	—	21.5%	19.8%	161.4%●	-33.9%	19.9%
Div. Yield	1.0%	—	1.6%	0.0%	2.6%●	1.4%	1.2%
Payout	5.1%	—	14.4%	0.0%	35.2%	8.3%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.