PayPal vs Block PYPL vs XYZ
PayPal and Block on one sheet: valuation multiples, growth, margins, debt, dividends and returns, each section labelled with the period it covers, from the companies' filings. Add or remove a stock above the sheet; the link holds the set.
PYPLXYZ
What differs most
- Return on equity: PayPal 24.7%, Block 1.6%.
- Trailing P/E: Block 133.1×, PayPal 10.4×.
- Net margin: PayPal 14.4%, Block 1.4%.
- EV / EBITDA: Block 31.0×, PayPal 6.8×.
- Block paid no dividend in the last twelve months.
Price return
2025-10-26 → 2026-10-26
PYPL−21.2%
XYZ−6.3%
Profile
latestSector
Financial Services
Technology
Industry
Financial - Credit Services
Software - Infrastructure
Market value
$47.04B
$44.79B
Enterprise value
$52.96B
$40.00B
Employees
23,800
10,205
Revenue per employee (TTM)
$1.4M
$2.5M
Our models
nightlythe valuation on each stock's pagePrice vs model
42% undervalued vs model
39% overvalued vs model
Model range
$64.86–184
$44.01–73.12
Models in the headline
1
1
FCF growth priced in, at a 10% return
−6.3%
6.7%
Every model, its assumptions and its range: PYPL valuation · XYZ valuation. The growth priced in, at any return: PYPL reverse DCF · XYZ reverse DCF.
Trading
close 2026-10-26Last close
$54.99
$74.55
52-week high
$73.02
$84.85
52-week low
$39.08
$49.09
Price vs 52-week high
−24.7%
−12.1%
Price vs 52-week low
+40.7%
+51.9%
Average daily volume / shares
1.5%
0.8%
Beta
1.28
2.55
Returns
to 2026-10-261 month
−0.1%
−2.4%
3 months
−2.1%
−3.4%
6 months
+8.9%
+4.1%
Year to date
−5.8%
+14.5%
1 year
−21.2%
−6.3%
1 year, dividends added
−20.4%
−6.3%
2 years
−32.7%
+2.7%
Valuation
price × TTM to Jun 2026P/E (TTM)
10.4×
133.1×
P/E on consensus EPS (next FY)
10.2×
18.4×
Price / sales
1.4×
1.8×
EV / sales
1.6×
1.6×
EV / EBITDA
6.8×
31.0×
Price / book
2.4×
2.0×
Price / free cash flow (FY)
8.5×
18.5×
Free-cash-flow yield (FY)
11.8%
5.4%
Growth
TTM and FY2025Revenue growth (TTM)
—
—
Revenue growth, consensus next FY
+4.8%
+7.6%
Revenue, 3-year CAGR
6.4%
11.3%
Revenue, 5-year CAGR
9.1%
20.6%
EPS growth (TTM)
—
—
EPS growth, consensus next FY
−0.4%
+93.3%
EPS, 3-year CAGR
37.3%
—
Free cash flow, 3-year CAGR
2.9%
681.1%
Diluted shares, 3-year change
−16.4%
+7.6%
Profitability
TTM to Jun 2026Gross margin (FY)†
46.6%
42.8%
Operating margin
18.8%
10.2%
EBITDA margin
22.7%
5.1%
Net margin
14.4%
1.4%
Free-cash-flow margin (FY)
16.8%
10.0%
Return on equity
24.7%
1.6%
Return on assets
5.9%
0.9%
Asset turnover
0.41
0.64
† Gross margin (FY): As filed. Companies draw the cost-of-revenue line in different places, so gross margins of two companies in one industry can differ for that reason alone; operating margin does not depend on where the line is drawn.
Balance sheet
MRQ Jun 2026Cash
$8.31B
$11.96B
Total debt
$14.22B
$7.17B
Net debt
$5.92B
−$4.79B
Debt / equity
0.7×
0.3×
Net debt / EBITDA (TTM)
0.8×
-3.7×
Interest coverage (FY)
13.8×
23.5×
Current ratio (FY)
1.29
2.20
Dividends
trailing 12 monthsDividend yield
1.0%
0.0%
Dividends per share
$0.56
$0.00
Payout ratio (of TTM EPS)
10.6%
—
Dividend per share, 5-year CAGR
—
—
Frequency
Quarterly
—
Ownership and activity
last 90 days · latest 13FTracked superinvestors holding (13F)
9
3
Insider open-market buys (Form 4)
$0
$0
Insider sales (Form 4)
$474K
$16.2M
Analyst upgrades
0
1
Analyst downgrades
0
1
Statements
income TTM to Jun 2026 · cash flow FY2025Revenue
$34.13B
$25.04B
EBITDA
$7.74B
$1.29B
Operating income
$6.41B
$2.54B
Net income
$4.90B
$357.1M
EPS (diluted)
$5.29
$0.56
Operating cash flow
$6.42B
$2.58B
Capital expenditure
−$852.0M
−$155.0M
Free cash flow
$5.56B
$2.42B
Dividends paid
$130.0M
$0
Keep comparing
Statements, prices, dividends and consensus estimates from Financial Modeling Prep; insider trades from Form 4 and holdings from 13F. Refreshed nightly. A comparison of filed numbers, not a recommendation to buy, sell or hold any security.