COF vs AXP vs PYPL
161 measures in 16 categories, one definition each, computed from filings and market data.
COF63.4
Capital One Financial Corporation
Financial Services · Financial - Credit Services
$201.74 +1.45%$123.8B mkt cap
Score DNA
AXP56.0
American Express Company
Financial Services · Financial - Credit Services
$313.59 −0.09%$211.8B mkt cap
Score DNA
PYPL64.3
PayPal Holdings, Inc.
Financial Services · Financial - Credit Services
$56.70 −0.80%$48.5B mkt cap
Score DNA
Price, rebased to 100 three years ago
COF AXP PYPL · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 2 | 5 | 6 |
| Last Congress purchase | 2026-06-30 | 2026-09-15 | 2026-07-30 |
| 13F net change in holders | +55 | +114 | −112 |
| ETFs adding shares, 30d | 1,219 | 1,395 | 1,228 |
| ETFs trimming, 30d | 1,171 | 1,289 | 1,236 |
| Net ETF funds, 30d | +48 | +106 | −8 |
Valuation
16 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| P/E (TTM) | 11.8x
65th
|
18.5x
76th
|
9.9x
56th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 1.70
88th
|
0.98
68th
|
0.70
40th
|
| Price / sales | 1.6x
67th
|
2.5x
86th
|
1.4x
60th
|
| Price / book | 1.1x
26th
|
6.2x
93rd
|
2.4x
74th
|
| Price / tangible book | 1.9x
44th
|
6.7x
92nd
|
4.5x
72nd
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 8.5%
48th
|
5.4%
38th
|
10.1%
55th
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $264.25
91st
|
$138.58
82nd
|
$51.89
38th
|
Profitability (TTM)
12 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 21.0%
57th
|
27.2%
67th
|
18.8%
48th
|
| EBIT margin | 21.0%
62nd
|
27.2%
76th
|
19.8%
55th
|
| Net margin | 13.4%
60th
|
13.6%
62nd
|
14.4%
67th
|
| NOPAT margin | 16.4%
52nd
|
21.1%
62nd
|
15.7%
45th
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
9.5%
100th
|
| SG&A / revenue | 30.5%
79th
|
29.8%
74th
|
12.6%
33rd
|
| Stock comp / revenue | 0.9%
50th
|
0.7%
43rd
|
2.9%
86th
|
| Effective tax rate | 21.9%
50th
|
22.5%
57th
|
16.4%
10th
|
Returns on capital
11 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| ROE (on average equity) | 9.4%
29th
|
34.4%
81st
|
24.5%
67th
|
| ROA | 1.6%
31st
|
3.8%
64th
|
6.0%
76th
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 2.5%
29th
|
7.6%
67th
|
8.3%
71st
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 9.0%
36th
|
31.7%
92nd
|
20.1%
64th
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Revenue growth (TTM YoY) | 36.7%
85th
|
9.4%
44th
|
5.7%
38th
|
| Revenue growth (QoQ) | 2.8%
57th
|
3.4%
64th
|
3.9%
69th
|
| Revenue CAGR, 3 yr | 20.8%
81st
|
10.7%
54th
|
6.1%
30th
|
| Revenue CAGR, 5 yr | 20.3%
74th
|
16.2%
66th
|
7.4%
43rd
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 35.6%
81st
|
35.3%
78th
|
12.6%
34th
|
| Net income growth (TTM YoY) | — | 12.8%
33rd
|
4.8%
15th
|
| Net income CAGR, 3 yr | 25.5%
88th
|
15.4%
58th
|
6.4%
19th
|
| EPS growth (TTM YoY) | — | 16.3%
33rd
|
13.6%
30th
|
| EPS CAGR, 3 yr | 6.9%
8th
|
18.9%
58th
|
14.1%
50th
|
| EPS CAGR, 5 yr | -8.3%
19th
|
14.0%
85th
|
5.8%
65th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 8.8%
53rd
|
11.9%
64th
|
7.6%
47th
|
| Dividend CAGR, 3 yr | -43.4%
4th
|
7.5%
83rd
|
— |
| Sustainable growth rate | 9.0%
29th
|
27.1%
76th
|
22.6%
71st
|
Margin history & stability
7 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 10.1%
21st
|
20.5%
59th
|
18.1%
49th
|
| Net margin, 3-yr average | 7.3%
33rd
|
13.5%
59th
|
14.4%
69th
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.92
67th
|
0.98
82nd
|
0.99
90th
|
| Earnings stability (0-1) | 0.19
33rd
|
0.91
74th
|
0.17
28th
|
| Margin stability (0-1) | 0.66
18th
|
0.92
90th
|
0.90
77th
|
Liquidity (latest quarter)
7 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 83.1%
52nd
|
88.9%
71st
|
76.0%
31st
|
| IS credit model rating | AA | AA | AA+ |
| Implied credit spread (bps) | 80
17th
|
80
17th
|
65
2nd
|
Efficiency
11 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| IS score | 63
74th
|
56
55th
|
64
76th
|
| IS profitability | 61
67th
|
75
81st
|
62
69th
|
| IS growth | 59
49th
|
58
41st
|
48
28th
|
| IS value | 83
71st
|
50
31st
|
77
57th
|
| IS momentum | 85
64th
|
83
59th
|
76
44th
|
| IS risk (safety) | 90
33rd
|
100
45th
|
100
45th
|
| IS quality | 81
93rd
|
80
90th
|
77
86th
|
| IS balance sheet | 45
57th
|
50
62nd
|
69
90th
|
| IS earnings quality | 89
100th
|
70
57th
|
69
45th
|
| IS cash flow | 93
95th
|
74
50th
|
76
60th
|
| Piotroski F-score (0-9) | 7
45th
|
9
95th
|
6
29th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −6.55
45th
|
−7.37
24th
|
−7.52
19th
|
| IS credit score | 89
79th
|
89
83rd
|
91
88th
|
Size (TTM)
8 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| Market cap | $123.8B
93rd
|
$211.8B
95th
|
$48.5B
90th
|
| Revenue | $78.5B
98th
|
$84.1B
100th
|
$34.1B
90th
|
| EBITDA | $23.1B
95th
|
$24.7B
98th
|
$7.7B
90th
|
| Net income | $10.5B
93rd
|
$11.4B
95th
|
$4.9B
90th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $673.8B
100th
|
$308.2B
95th
|
$82.7B
86th
|
| Shareholders' equity | $113.8B
100th
|
$34.3B
93rd
|
$19.8B
88th
|
| Employees | 78,400
100th
|
76,800
98th
|
23,800
88th
|
Price performance
9 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| 1 day | +1.4% | −0.1% | −0.8% |
| 1 week | +1.2% | +1.8% | +2.1% |
| 1 month | −0.1% | +0.8% | +7.1% |
| 3 months | −2.4% | −10.9% | −0.2% |
| 6 months | −2.3% | −5.5% | +11.6% |
| Year to date | −18.3% | −15.9% | −2.2% |
| 1 year | −5.8% | −5.2% | −16.4% |
| 3 years, cumulative | +115.1% | +111.7% | −2.1% |
| 5 years, cumulative | +29.0% | +88.3% | −78.2% |
Technicals
4 measures| Measure | COF | AXP | PYPL |
|---|---|---|---|
| RSI 14 | 51.6 | 52.4 | 59.9 |
| From 52-week high | −22.0% | −19.1% | −28.3% |
| From 52-week low | +15.8% | +8.1% | +47.9% |
| Beta | 1.04 | 1.08 | 1.28 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17