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 MA: 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 MA's multiple
Needs MA P/E.
Implied fair value · at PYPL's multiple
Needs PYPL P/E.
Metric by metric
Price unavailable
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: PYPL FY 2025 (ended Dec 31, 2025) · MA FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
—
Tangible equity
$9.18B
Price / tangible book
—
Price / book
—
Return on equity
25.8%
Return on assets
6.5%
Efficiency ratio
—
Price / book
Market cap
—
Tangible equity
-$7.38B
Price / tangible book
—
Price / book
—
Return on equity
193.5%
Return on assets
27.6%
Efficiency ratio
—
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.
Mastercard Incorporated · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
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
2.46x
Net debt / EBITDA
Leverage against operating earnings
-0.06x
0.43x
Cash and equivalents
Liquid reserves on the balance sheet
$10.42B
$10.57B
Total debt
Interest-bearing obligations outstanding
$9.99B
$19.00B
Comparable set
Where the pair sits against the wider banking 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 reaccelerate growth and sustain margin expansion toward MA-like quality, then the stock may be worth owning because its P/E discount to MA is extreme; otherwise, the current price already reflects its weaker profitability and slower growth.
PYPL trades at 10.7x P/E versus MA at 34.6x, and the model implies a price of $186.98 versus the current $57.87, suggesting a large theoretical upside of 223.1%. However, the gap is not purely a mispricing signal because MA compounds much faster and earns far superior margins.
Supporting Metrics
