Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · View financials
Decision snapshot: COF stock price vs PYPL: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at PYPL's multiple
Needs PYPL P/E.
Implied fair value · at COF's multiple
Needs COF P/E.
Live quote
Price unavailable
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Lower is better
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: COF FY 2025 (ended Dec 31, 2025) · PYPL FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
CAPITAL ONE FINANCIAL CORP · implied price per share
Bear
$406.27
Base
$477.97
Bull
$549.66
PayPal Holdings, Inc. · implied price per share
Bear
$61.00
Base
$71.77
Bull
$82.53
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.45x
0.59x
Net debt / EBITDA
Leverage against operating earnings
-0.50x
0.19x
Cash and equivalents
Liquid reserves on the balance sheet
$66.64B
$10.42B
Total debt
Interest-bearing obligations outstanding
$51.00B
$11.99B
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
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Live quote
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
If you believe COF can sustain its recent 36.6% revenue growth while materially improving net margin from 4.6%, then the current price can be justified; otherwise, PYPL and quality data argue for caution because the P/E is far richer than PYPL's 10.6x despite only middling quality signals.
The valuation output shows a very large downside to PYPL-implied price, with COF at $209.01 versus an implied $42.62, or -79.6%. That gap is driven primarily by COF's much higher P/E of 51.9x versus PYPL's 10.6x, despite COF also showing a somewhat higher P/S of 2.4x versus 1.5x.
Supporting Metrics
