Apple Inc. (AAPL) vs PayPal Holdings, Inc. (PYPL)
A side-by-side comparison of Apple Inc. and PayPal Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 28, 2026. Differences are shown without an overall score or investment verdict.
Different business models: AAPL is classified in Technology; PYPL is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
AAPL
Apple Inc.
$340.08TechnologyDelayed quote: Jul 28, 2026, 4:00 PM EDT
PYPL
PayPal Holdings, Inc.
$58.32Financial ServicesDelayed quote: Jul 28, 2026, 4:00 PM EDT
Total return — AAPL vs PYPL
growth of $100 · dividends reinvested · last 11yAAPL +1091.5%PYPL +53.9%AAPL compounded faster
Log scale — wide-divergence pair
AAPL PYPL
AAPL vs PYPL: by the numbers
- •AAPL is the larger company ($4.99T vs $51.44B market cap).
- •PYPL trades at the lower trailing earnings multiple (10.52 vs 40.74 P/E), one valuation lens rather than an overall verdict.
- •AAPL converts more revenue to profit (27.15% vs 14.36% net margin).
- •PYPL grew revenue faster over the past five years (7.43% vs 6.76% CAGR).
- •PYPL pays the higher dividend yield (0.75% vs 0.31%).
Metrics side by side
Valuation
| Metric | AAPL | PYPL |
|---|---|---|
| P/E ratio | 40.74 | 10.52 |
| Forward P/E | 38.46 | 10.56 |
| P/S ratio | 11.02 | 1.53 |
| P/B ratio | 46.72 | 2.58 |
| PEG ratio | 1.51 | 0.30 |
| EV / EBITDA | 31.40 | N/A |
| FCF yield | 2.60% | N/A |
Profitability
| Metric | AAPL | PYPL |
|---|---|---|
| Gross margin | 47.86% | 45.75% |
| Operating margin | 32.64% | 18.78% |
| Net margin | 27.15% | 14.36% |
| ROE | 115.10% | 24.73% |
| ROIC | 51.97% | 14.95% |
Dividends
| Metric | AAPL | PYPL |
|---|---|---|
| Dividend yield | 0.31% | 0.75% |
| Payout ratio | 14.02% | 7.69% |
Growth (annualized)
| Metric | AAPL | PYPL |
|---|---|---|
| Revenue CAGR (5Y) | 6.76% | 7.43% |
| EPS CAGR (5Y) | 17.73% | 8.81% |
| FCF CAGR (5Y) | 7.38% | N/A |
| Total return CAGR (5Y) | 18.69% | -27.93% |
Frequently asked
- Which has the lower trailing P/E, AAPL or PYPL?
- PYPL has the lower trailing P/E: AAPL trades at 40.74 and PYPL at 10.52. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AAPL or PYPL?
- Over the past five years, PYPL grew revenue faster — AAPL at a 6.76% CAGR versus PYPL at 7.43%.
- Does AAPL or PYPL pay a bigger dividend?
- AAPL yields 0.31% and PYPL yields 0.75% based on trailing dividends and the latest price.
- Is AAPL or PYPL more profitable?
- AAPL runs the higher net margin — AAPL at 27.15% versus PYPL at 14.36%.
- How have AAPL and PYPL total returns compared?
- Over the past 10 years, AAPL delivered 30.55% and PYPL delivered 4.66% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Apple P/E ratioPayPal P/E ratioApple dividend yieldPayPal dividend yieldApple ROEPayPal ROEApple operating marginPayPal operating marginApple revenue growthPayPal revenue growthApple free cash flowPayPal free cash flow
Apple & PayPal appear in these rankings
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Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 28, 2026.