— Know what they know.
Not Investment Advice

PYPL vs SYF vs GPN

161 measures in 16 categories, one definition each, computed from filings and market data.
PYPL64.3
PayPal Holdings, Inc.
Financial Services · Financial - Credit Services
$56.70 −0.80%$48.5B mkt cap
Score DNA
SYF55.8
Synchrony Financial
Financial Services · Financial - Credit Services
$73.68 −0.51%$24.0B mkt cap
Score DNA
GPN22.5
Global Payments Inc.
Financial Services · Financial - Credit Services
$83.67 −0.59%$22.1B mkt cap
Score DNA

Price, rebased to 100 three years ago

PYPL   SYF   GPN   · weekly adjusted closes
50100150200250300Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26SYF 268PYPL 102GPN 76
● 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
MeasurePYPLSYFGPN
Insider open-market buys, 180d 0 0 0
Insider $ bought, 180d — — —
Congress purchases, 180d 6 2 0
Last Congress purchase 2026-07-30 2026-06-02 —
13F net change in holders −112 +40 −2
ETFs adding shares, 30d 1,228 1,015 876
ETFs trimming, 30d 1,236 1,031 832
Net ETF funds, 30d −8 −16 +44

Valuation

16 measures
MeasurePYPLSYFGPN
P/E (TTM) 9.9x
56th
6.8x
15th
—
PEG (P/E ÷ 3-yr EPS CAGR) 0.70
40th
0.31
20th
—
Price / sales 1.4x
60th
1.3x
48th
2.2x
76th
Price / book 2.4x
74th
1.4x
38th
1.0x
17th
Price / tangible book 4.5x
72nd
1.7x
39th
—
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 10.1%
55th
14.7%
88th
-4.3%
10th
FCF yield n/a n/a n/a
Operating cash flow yield n/a n/a n/a
Graham number (per share) $51.89
38th
$109.46
71st
—

Profitability (TTM)

12 measures
MeasurePYPLSYFGPN
Gross margin n/a n/a n/a
EBITDA margin n/a n/a n/a
Operating margin 18.8%
48th
24.3%
62nd
11.9%
21st
EBIT margin 19.8%
55th
24.3%
67th
14.6%
29th
Net margin 14.4%
67th
18.6%
81st
-9.4%
5th
NOPAT margin 15.7%
45th
18.6%
57th
9.3%
19th
FCF margin n/a n/a n/a
Operating cash flow margin n/a n/a n/a
R&D / revenue 9.5%
100th
0.0%
0th
0.0%
0th
SG&A / revenue 12.6%
33rd
13.9%
43rd
52.0%
93rd
Stock comp / revenue 2.9%
86th
0.0%
0th
0.9%
48th
Effective tax rate 16.4%
10th
23.8%
72nd
21.2%
45th

Returns on capital

11 measures
MeasurePYPLSYFGPN
ROE (on average equity) 24.5%
67th
20.8%
52nd
-4.2%
7th
ROA 6.0%
76th
2.9%
60th
-1.7%
5th
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 8.3%
71st
3.8%
45th
2.6%
31st
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 20.1%
64th
21.1%
67th
2.5%
19th
Incremental ROIC n/a n/a n/a

Growth

17 measures
MeasurePYPLSYFGPN
Revenue growth (TTM YoY) 5.7%
38th
-2.4%
13th
14.8%
56th
Revenue growth (QoQ) 3.9%
69th
0.6%
45th
11.8%
90th
Revenue CAGR, 3 yr 6.1%
30th
7.8%
43rd
3.2%
19th
Revenue CAGR, 5 yr 7.4%
43rd
10.2%
51st
5.0%
23rd
Gross profit CAGR, 3 yr n/a n/a n/a
Operating income CAGR, 3 yr 12.6%
34th
13.0%
38th
-16.1%
3rd
Net income growth (TTM YoY) 4.8%
15th
7.0%
19th
—
Net income CAGR, 3 yr 6.4%
19th
12.8%
50th
—
EPS growth (TTM YoY) 13.6%
30th
21.4%
37th
—
EPS CAGR, 3 yr 14.1%
50th
22.2%
73rd
—
EPS CAGR, 5 yr 5.8%
65th
13.0%
81st
—
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 7.6%
47th
17.0%
75th
1.6%
17th
Dividend CAGR, 3 yr — 9.2%
91st
0.8%
30th
Sustainable growth rate 22.6%
71st
17.8%
53rd
—

Margin history & stability

7 measures
MeasurePYPLSYFGPN
Gross margin, 3-yr average n/a n/a n/a
Operating margin, 3-yr average 18.1%
49th
22.3%
62nd
20.3%
56th
Net margin, 3-yr average 14.4%
69th
17.1%
77th
7.3%
36th
FCF margin, 3-yr average n/a n/a n/a
Revenue stability (0-1) 0.99
90th
0.86
51st
0.70
31st
Earnings stability (0-1) 0.17
28th
0.00
3rd
0.07
18th
Margin stability (0-1) 0.90
77th
0.78
36th
0.91
82nd

Liquidity (latest quarter)

7 measures
MeasurePYPLSYFGPN
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
MeasurePYPLSYFGPN
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 76.0%
31st
86.1%
62nd
62.3%
14th
IS credit model rating AA+ AAA BB
Implied credit spread (bps) 65
2nd
50
0th
475
81st

Efficiency

11 measures
MeasurePYPLSYFGPN
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
MeasurePYPLSYFGPN
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
MeasurePYPLSYFGPN
Dividend yield 1.0%
57th
1.7%
69th
1.2%
64th
Dividend per share (TTM) $0.56
55th
$1.24
76th
$1.00
67th
Payout ratio (dividends / net income) 7.8%
47th
14.3%
53rd
—
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) — 16.2%
84th
-4.2%
32nd
Buyback yield 12.5%
90th
15.1%
98th
5.1%
71st
Shareholder yield (dividends + buybacks) 13.3%
83rd
17.2%
93rd
6.3%
67th
Share count change (YoY) -7.8%
18th
-11.9%
8th
6.3%
90th
Buybacks, last 5 years $22.8B
93rd
$13.4B
90th
$5.7B
88th

Scores & forensic checks

15 measures
MeasurePYPLSYFGPN
IS score 64
76th
56
52nd
23
5th
IS profitability 62
69th
66
71st
24
7th
IS growth 48
28th
43
21st
44
23rd
IS value 77
57th
87
86th
49
26th
IS momentum 76
44th
73
36th
44
10th
IS risk (safety) 100
45th
100
45th
100
45th
IS quality 77
86th
78
88th
40
10th
IS balance sheet 69
90th
58
79th
36
48th
IS earnings quality 69
45th
65
40th
48
21st
IS cash flow 76
60th
82
76th
26
5th
Piotroski F-score (0-9) 6
29th
7
45th
2
2nd
Altman Z-score — — —
Beneish M-score — — —
Ohlson O-score −7.52
19th
−6.89
38th
−7.06
31st
IS credit score 91
88th
95
100th
43
14th

Per share

7 measures
MeasurePYPLSYFGPN
EPS, diluted (TTM) $5.44
49th
$10.53
73rd
−$3.68
2nd
Book value per share $22.00
41st
$50.57
76th
$89.09
88th
Tangible book per share $9.74
38th
$46.43
64th
−$86.44
0th
Revenue per share $37.88
41st
$56.75
59th
$39.30
46th
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
MeasurePYPLSYFGPN
Market cap $48.5B
90th
$24.0B
88th
$22.1B
86th
Revenue $34.1B
90th
$19.0B
86th
$10.2B
81st
EBITDA $7.7B
90th
$5.2B
86th
$3.9B
83rd
Net income $4.9B
90th
$3.5B
88th
−$955.9M
2nd
Free cash flow n/a n/a n/a
Total assets $82.7B
86th
$121.9B
90th
$63.6B
83rd
Shareholders' equity $19.8B
88th
$16.9B
86th
$23.1B
90th
Employees 23,800
88th
20,000
83rd
26,000
90th

Price performance

9 measures
MeasurePYPLSYFGPN
1 day −0.8% −0.5% −0.6%
1 week +2.1% +1.2% +1.8%
1 month +7.1% −1.0% −2.0%
3 months −0.2% +0.3% +1.9%
6 months +11.6% −6.0% +16.4%
Year to date −2.2% −12.6% +11.9%
1 year −16.4% +2.3% −1.6%
3 years, cumulative −2.1% +160.7% −24.9%
5 years, cumulative −78.2% +62.7% −44.8%

Technicals

4 measures
MeasurePYPLSYFGPN
RSI 14 59.9 50.0 49.4
From 52-week high −28.3% −16.7% −12.5%
From 52-week low +47.9% +16.8% +37.7%
Beta 1.28 1.34 0.81
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

Sign in to InsiderStreet

You'll also get our free weekly newsletter with
smart money signals, market insights, and alpha ideas.
Unsubscribe anytime.

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