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 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 | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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 | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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 | PYPL | SYF | GPN |
|---|---|---|---|
| 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 | PYPL | SYF | GPN |
|---|---|---|---|
| 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
|
Size (TTM)
8 measures| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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| Measure | PYPL | SYF | GPN |
|---|---|---|---|
| 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