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 25.3%, Block 1.6%.
- Trailing P/E: Block 139.1×, PayPal 10.6×.
- Net margin: PayPal 15.0%, Block 1.4%.
- Operating margin: PayPal 17.9%, Block 4.7%.
- Block paid no dividend in the last twelve months.
Price return
2025-10-16 → 2026-10-16
PYPL−14.2%
XYZ+4.5%
Profile
latestSector
Financial Services
Technology
Industry
Financial - Credit Services
Software - Infrastructure
Market value
$48.50B
$46.77B
Enterprise value
$50.94B
$46.07B
Employees
23,800
10,205
Revenue per employee (TTM)
$1.4M
$2.5M
Our models
nightlythe valuation on each stock's pagePrice vs model
50% undervalued vs model
158% overvalued vs model
Model range
$77.71–219
$24.79–40.59
Models in the headline
1
1
FCF growth priced in, at a 10% return
−4.9%
8.4%
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 2026-10-16Last close
$56.70
$77.89
52-week high
$73.02
$84.85
52-week low
$39.08
$49.09
Price vs 52-week high
−22.4%
−8.2%
Price vs 52-week low
+45.1%
+58.7%
Average daily volume / shares
1.5%
0.8%
Beta
1.28
2.55
Returns
to 2026-10-161 month
+7.6%
+1.6%
3 months
−0.1%
−4.5%
6 months
+13.8%
+13.4%
Year to date
−2.9%
+19.7%
1 year
−14.2%
+4.5%
1 year, dividends added
−13.3%
+4.5%
2 years
−29.8%
+5.9%
Valuation
PYPL price × TTM to Mar 2026 · XYZ price × TTM to Jun 2026P/E (TTM)
10.6×
139.1×
P/E on consensus EPS (next FY)
10.5×
19.2×
Price / sales
1.4×
1.9×
EV / sales
1.5×
1.8×
EV / EBITDA
7.3×
—
Price / book
2.4×
2.1×
Price / free cash flow (FY)
8.7×
19.3×
Free-cash-flow yield (FY)
11.5%
5.2%
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%
+93.1%
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
PYPL TTM to Mar 2026 · XYZ TTM to Jun 2026Gross margin (FY)†
46.6%
42.8%
Operating margin
17.9%
4.7%
EBITDA margin
20.7%
—
Net margin
15.0%
1.4%
Free-cash-flow margin (FY)
16.8%
10.0%
Return on equity
25.3%
1.6%
Return on assets
6.3%
0.9%
Asset turnover
0.42
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
PYPL MRQ Mar 2026 · XYZ MRQ Jun 2026Cash
$6.98B
$6.43B
Total debt
$9.41B
$5.72B
Net debt
$2.43B
−$706.8M
Debt / equity
0.5×
0.3×
Net debt / EBITDA (TTM)
0.3×
—
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)
10.5%
—
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
$16.4M
Analyst upgrades
1
1
Analyst downgrades
0
0
Statements
PYPL income TTM to Mar 2026 · cash flow FY2025 · XYZ income TTM to Jun 2026 · cash flow FY2025Revenue
$33.73B
$25.04B
EBITDA
$6.98B
—
Operating income
$6.02B
$1.17B
Net income
$5.06B
$357.1M
EPS (diluted)
$5.33
$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
—
Keep comparing
Statements from the companies' SEC filings; 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.