Which has the lower trailing P/E, DFS or PYPL?

PYPL has the lower trailing P/E: DFS trades at 10.67 and PYPL at 10.16. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, DFS or PYPL?

Over the past five years, DFS grew revenue faster — DFS at a 13.84% CAGR versus PYPL at 7.43%.

Does DFS or PYPL pay a bigger dividend?

PYPL pays a dividend (0.81% yield), while DFS is a former payer with no current dividend run rate.

Is DFS or PYPL more profitable?

DFS runs the higher net margin — DFS at 21.65% versus PYPL at 14.36%.

How have DFS and PYPL total returns compared?

Over the past 10 years, DFS delivered 15.41% and PYPL delivered 3.33% annualized total return. Past performance doesn't predict future results.

Discover Financial Services (DFS) vs PayPal Holdings, Inc. (PYPL)

A side-by-side comparison of Discover Financial Services and PayPal Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 11, 2026. Differences are shown without an overall score or investment verdict.

DFS

Discover Financial Services

$50.34B

$200.05Financial ServicesDelayed quote: May 16, 2025, 4:00 PM EDT

PYPL

PayPal Holdings, Inc.

$45.96B

$53.72Financial ServicesDelayed quote: Sep 11, 2026, 4:00 PM EDT

Total return — DFS vs PYPL

growth of $100 · dividends reinvested · last 10y

DFS +333.2% (+15.8%/yr)PYPL +95.0% (+6.9%/yr)DFS compounded faster over this window

DFS PYPL

DFS vs PYPL: by the numbers

•DFS is the larger company ($50.34B vs $45.96B market cap).
•PYPL trades at the lower trailing earnings multiple (10.16 vs 10.67 P/E), one valuation lens rather than an overall verdict.
•DFS converts more revenue to profit (21.65% vs 14.36% net margin).
•DFS grew revenue faster over the past five years (13.84% vs 7.43% CAGR).
•PYPL pays a dividend (0.81% yield), while DFS is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	DFS	PYPL
P/E ratio	10.67	10.16
Forward P/E	12.59	9.97
P/S ratio	2.27	1.35
P/B ratio	2.65	2.32

Profitability

Metric	DFS	PYPL
Gross margin	89.46%	45.75%
Operating margin	88.29%	18.78%
Net margin	21.65%	14.36%
ROE	25.29%	24.73%

Dividends

Metric	DFS	PYPL
Dividend yield	N/A	0.81%
Payout ratio	N/A	7.94%

Growth (annualized)

Metric	DFS	PYPL
Revenue CAGR (5Y)	13.84%	7.43%
EPS CAGR (5Y)	14.26%	8.81%
Total return CAGR (5Y)	42.81%	-28.73%

Frequently asked

Which has the lower trailing P/E, DFS or PYPL?: PYPL has the lower trailing P/E: DFS trades at 10.67 and PYPL at 10.16. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, DFS or PYPL?: Over the past five years, DFS grew revenue faster — DFS at a 13.84% CAGR versus PYPL at 7.43%.
Does DFS or PYPL pay a bigger dividend?: PYPL pays a dividend (0.81% yield), while DFS is a former payer with no current dividend run rate.
Is DFS or PYPL more profitable?: DFS runs the higher net margin — DFS at 21.65% versus PYPL at 14.36%.
How have DFS and PYPL total returns compared?: Over the past 10 years, DFS delivered 15.41% and PYPL delivered 3.33% annualized total return. Past performance doesn't predict future results.

Go deeper

Full DFS analysis Full PYPL analysis Interactive comparison tool

Dig into the metrics

Discover Financial Services P/E ratio PayPal P/E ratio PayPal dividend yield Discover Financial Services ROE PayPal ROE Discover Financial Services operating margin PayPal operating margin Discover Financial Services revenue growth PayPal revenue growth

Discover Financial Services & PayPal appear in these rankings

Highest ROE Stocks Highest Operating Margin Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks

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 September 11, 2026.