Bank of America Corporation (BAC) vs PayPal Holdings, Inc. (PYPL)
BAC leads on 8 of 14 compared metrics, though PYPL is the cheaper stock.
A side-by-side comparison of Bank of America Corporation and PayPal Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 15, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).
BAC
Bank of America Corporation
$55.87Financial Services
PYPL
PayPal Holdings, Inc.
$42.49Financial Services
Total return — BAC vs PYPL
growth of $100 · last 11yBAC +229.8%PYPL +15.7%BAC compounded faster
BAC PYPL
BAC vs PYPL: by the numbers
- •BAC is the larger company ($396.49B vs $37.48B market cap).
- •PYPL trades at the lower earnings multiple (7.97 vs 13.86 P/E).
- •BAC converts more revenue to profit (18.13% vs 15.00% net margin).
- •BAC grew revenue faster over the past five years (13.95% vs 8.09% CAGR).
- •BAC pays the higher dividend yield (2.00% vs 0.99%).
Which is better, BAC or PYPL?
Metric tally: BAC 8 · PYPL 6It depends on what you're optimizing for:
ValuePYPL(lower P/E)
GrowthBAC(faster 5Y revenue CAGR)
IncomeBAC(higher dividend yield)
QualityPYPL(higher ROIC)
Metrics side by side
Valuation
| Metric | BAC | PYPL |
|---|---|---|
| P/E ratio | 13.86 | 7.97● |
| Forward P/E | 12.52 | 7.37● |
| P/S ratio | 2.37 | 1.16● |
| P/B ratio | 1.38● | 1.95 |
| PEG ratio | 0.68 | 0.30● |
Profitability
| Metric | BAC | PYPL |
|---|---|---|
| Gross margin | 63.18%● | 46.12% |
| Operating margin | 22.87%● | 17.85% |
| Net margin | 18.13%● | 15.00% |
| ROE | 10.54% | 25.26%● |
| ROIC | 3.39% | 14.95%● |
Dividends
| Metric | BAC | PYPL |
|---|---|---|
| Dividend yield | 2.00%● | 0.99% |
| Payout ratio | 28.87% | 7.69% |
Growth (annualized)
| Metric | BAC | PYPL |
|---|---|---|
| Revenue CAGR (5Y) | 13.95%● | 8.09% |
| EPS CAGR (5Y) | 15.60%● | 8.81% |
| Total return CAGR (5Y) | 8.82%● | -30.90% |
Frequently asked
- Which is better, BAC or PYPL?
- It depends on your goal. value: PYPL (lower P/E); growth: BAC (faster 5Y revenue CAGR); income: BAC (higher dividend yield); quality: PYPL (higher ROIC). Across all compared metrics, BAC leads 8 to 6.
- Is BAC or PYPL cheaper?
- On trailing earnings, PYPL is cheaper: BAC trades at a 13.86 P/E and PYPL at 7.97.
- Which has grown faster, BAC or PYPL?
- Over the past five years, BAC grew revenue faster — BAC at a 13.95% CAGR versus PYPL at 8.09%.
- Does BAC or PYPL pay a bigger dividend?
- BAC yields 2.00% and PYPL yields 0.99% based on trailing dividends and the latest price.
- Is BAC or PYPL more profitable?
- BAC runs the higher net margin — BAC at 18.13% versus PYPL at 15.00%.
- Which has been the better investment, BAC or PYPL?
- Over the past 10-year, BAC delivered the higher annualized total return — BAC at 18.00% versus PYPL at 1.52%. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bank of America P/E ratioPayPal P/E ratioBank of America dividend yieldPayPal dividend yieldBank of America ROEPayPal ROEBank of America operating marginPayPal operating marginBank of America revenue growthPayPal revenue growthBank of America free cash flowPayPal free cash flow
Bank of America & PayPal appear in these rankings
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 June 15, 2026.