MA vs PYPL

• MABuy moresales growth, past year15%

  Mastercard's sales grew 15% over the past year, and its report on Oct 29 beat profit forecasts by 3.3%.

• PYPLBuy more11%

  PayPal's report on Oct 27 beat profit forecasts by 11%, and its sales grew 4.4% over the past year.

Percent return

• MA+19.10%
• PYPL−10.77%

1M6MYTD1Y5YMax

Nov 11, 2025 to Nov 11, 2026

Where they differ

MA leads on 4 of 6

MAPYPL

• Company size: MA $498B, PYPL $50.3B.
  $498BbiggerCompany size$50.3B
• Sales growth, 1 yr: MA +15%, PYPL +4.4%. MA is ahead.
  +15%Sales growth, 1 yr+4.4%
• Price for $1 of next year's profit: MA $29, PYPL $10. PYPL is ahead.
  $29Price for $1 of next year's profitcheaper$10
• Profit per $1 of sales: MA 60¢, PYPL 18¢. MA is ahead.
  60¢Profit per $1 of sales18¢
• Cash minus debt: MA −$13.4B, PYPL −$3.97B. PYPL is ahead.
  −$13.4BCash minus debt−$3.97B
• Price change, 1 yr: MA +19%, PYPL −11%. MA is ahead. S&P 500 +12%.
  +19%Price change, 1 yr−11%
• How much the price swings: MA 22%, PYPL 44%. MA is ahead.
  22%steadierHow much the price swings44%

Measure	MAMastercard	PYPLPayPal
Price and returns
Price	$660.22	$59.48
Today	+0.21%	Best in this row: +1.19%
1 month	Best in this row: +12.15%	+7.11%
3 months	Best in this row: +17.77%	+1.06%
This year	Best in this row: +16.48%	+2.78%
1 year	Best in this row: +19.10%	−10.77%
5 years	Best in this row: +92.11%	−70.23%
From 52-week high	−1.9%	−10.8%
How much it swings (90 days)	Best in this row: 22%	44%
Valuation
Market value	$498B	$50.3B
Price vs last year's earnings	32.6×	Best in this row: 10.9×
Price vs next year's expected earnings	29.4×	Best in this row: 10.1×
Price vs earnings, adjusted for growth	1.38×	Best in this row: 1.34×
Price to sales	15.7×	Best in this row: 1.4×
Price vs cash it brings in	35.4×	Best in this row: 7.8×
Company value vs operating profit	25.3×	Best in this row: 8.2×
Price vs earnings, against its own past (0 = cheapest)	100	100
Growth
Revenue growth, 1 year	Best in this row: +15.3%	+4.4%
Revenue growth a year, last 3 years	Best in this row: +13.8%	+6.4%
Earnings per share growth, last year	Best in this row: +21.2%	+19.3%
Earnings per share growth expected next year	Best in this row: +15.7%	+6.1%
Profitability
Kept from sales after making the product	Best in this row: 100.0%	40.5%
Kept as operating profit	Best in this row: 60.1%	17.7%
Kept as final profit	Best in this row: 46.7%	13.8%
Kept as spare cash	Best in this row: 44.3%	18.4%
Profit on shareholders' money	Best in this row: 231.4%	23.8%
Profit on all money put in	Best in this row: 91.0%	21.8%
Balance sheet
Net cash (cash minus debt)	−$13.4B	Best in this row: −$3.97B
Debt for each $1 of shareholders' money	3.55×	Best in this row: 0.73×
Short-term assets per $1 of bills due	1.01×	Best in this row: 1.26×
Dividend yield	0.53%	Best in this row: 0.95%
Share of profit paid as dividends	18%	Best in this row: 11%
Our readPro
Our call	Buy more	Buy more
Why	Mastercard's sales grew 15% over the past year, and its report on Oct 29 beat profit forecasts by 3.3%.	PayPal's report on Oct 27 beat profit forecasts by 11%, and its sales grew 4.4% over the past year.
Where the price sits	in the full report	in the full report
Our overall score (out of 100)	Best in this row: 69	60
Our value score	44	Best in this row: 83
Our growth score	Best in this row: 77	42
Our quality score	Best in this row: 82	81
Our price trend score	Best in this row: 66	50
Earnings and analysts
Analyst consensus	Buy	Hold
To average analyst target	Best in this row: +7.5%	−3.2%
Average analyst target	$709.57	$57.60
Analysts rating it a buy	Best in this row: 88%	14%
Buy ratings added, 3 months	−2	Best in this row: −1
Analysts covering	27	29

MA: faster sales growth

Our pick of these: Mastercard

Buy more86/100

Sales growth +15.3% vs +4.4%

MA +15.3%, PYPL +4.4%.

MA+15.3%

PYPL+4.4%

Forward P/E per point of sales growth 1.92 vs 2.31

MA 1.92, PYPL 2.31.

MA1.92

PYPL2.31

+7.5% to the average analyst target, vs −3.2%

MA +7.5%, PYPL −3.2%.

MA+7.5%

PYPL−3.2%

• 2ndPYPLBuy more14/100Would need faster sales growth, +4.4% vs +15.3%

Prices as of yesterday, 3:59 PM ET. A view, not advice.