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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 closes
100150200250Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26COF 219AXP 212PYPL 102
● 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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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

Dividends & buybacks

9 measures
MeasureCOFAXPPYPL
Dividend yield 1.6%
67th
1.2%
62nd
1.0%
57th
Dividend per share (TTM) $3.20
88th
$3.67
93rd
$0.56
55th
Payout ratio (dividends / net income) 3.7%
32nd
21.1%
68th
7.8%
47th
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) -76.1%
8th
17.1%
88th
—
Buyback yield -0.8%
0th
3.5%
60th
12.5%
90th
Shareholder yield (dividends + buybacks) -0.5%
0th
4.7%
57th
13.3%
83rd
Share count change (YoY) 22.8%
97th
-3.0%
38th
-7.8%
18th
Buybacks, last 5 years $4.9B
86th
$31.3B
98th
$22.8B
93rd

Scores & forensic checks

15 measures
MeasureCOFAXPPYPL
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

Per share

7 measures
MeasureCOFAXPPYPL
EPS, diluted (TTM) $16.94
90th
$16.88
88th
$5.44
49th
Book value per share $183.21
100th
$50.56
73rd
$22.00
41st
Tangible book per share $106.12
93rd
$50.56
81st
$9.74
38th
Revenue per share $126.40
90th
$124.00
88th
$37.88
41st
FCF per share n/a n/a n/a
Operating cash flow per share n/a n/a n/a
Cash per share n/a n/a n/a

Size (TTM)

8 measures
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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
MeasureCOFAXPPYPL
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

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms