Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: PYPL stock price vs FOUR: 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 FOUR's multiple
Needs FOUR P/E.
Implied fair value · at PYPL's multiple
Needs PYPL P/E.
Metric by metric
Price unavailable
Where each company leads, and how wide the gap is.
Growth lag
Pricing power
Operating leverage
Lower is better
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: PYPL FY 2025 (ended Dec 31, 2025) · FOUR FY 2025 (ended Dec 31, 2025).
Trendline
Eight fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Complete market value, debt and cash evidence is required for enterprise value.
Complete market value, debt and cash evidence is required for enterprise value.
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
PayPal Holdings, Inc. · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
SHIFT4 PAYMENTS, INC. · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
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
0.49x
3.16x
Net debt / EBITDA
Leverage against operating earnings
-0.06x
9.90x
Cash and equivalents
Liquid reserves on the balance sheet
$10.42B
$964.00M
Total debt
Interest-bearing obligations outstanding
$9.99B
$4.56B
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe PYPL can sustain its current margins and moderate growth without balance-sheet deterioration, then own PYPL rather than FOUR because PYPL is cheaper on earnings, far more profitable, and less levered despite FOUR’s faster growth.
PYPL trades at 10.6x P/E versus FOUR at 36.2x and also at 1.5x P/S versus FOUR at 1.0x, while the implied price of $195.75 is far above the current $57.21. The gap is driven by PYPL’s much higher profitability and lower leverage versus FOUR’s faster growth but weaker earnings quality and heavier debt load.
Supporting Metrics
