The Kroger Co. (KR) vs PayPal Holdings, Inc. (PYPL)

A side-by-side comparison of The Kroger Co. 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.

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Different business models: KR is classified in Consumer Defensive; PYPL is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.

Total returnKR vs PYPL

growth of $100 · dividends reinvested · last 11y
KR +103.6%PYPL +59.9%KR compounded faster
0200400600800Start $10020172019202120232025$204$160
KR PYPL

KR vs PYPL: by the numbers

  • PYPL is the larger company ($51.44B vs $36.26B market cap).
  • PYPL trades at the lower trailing earnings multiple (10.52 vs 33.91 P/E), one valuation lens rather than an overall verdict.
  • PYPL converts more revenue to profit (14.36% vs 0.71% net margin).
  • PYPL grew revenue faster over the past five years (7.43% vs 2.33% CAGR).
  • KR pays the higher dividend yield (2.41% vs 0.75%).

Metrics side by side

Valuation

MetricKRPYPL
P/E ratio33.9110.52
Forward P/E12.0710.56
P/S ratio0.241.53
P/B ratio5.512.58
PEG ratioN/A0.30
EV / EBITDA10.44N/A
FCF yield8.09%N/A

Profitability

MetricKRPYPL
Gross margin23.18%45.75%
Operating margin1.33%18.78%
Net margin0.71%14.36%
ROE16.27%24.73%
ROIC4.70%14.95%

Dividends

MetricKRPYPL
Dividend yield2.41%0.75%
Payout ratio89.74%7.69%

Growth (annualized)

MetricKRPYPL
Revenue CAGR (5Y)2.33%7.43%
EPS CAGR (5Y)-13.96%8.81%
FCF CAGR (5Y)-1.62%N/A
Total return CAGR (5Y)10.73%-27.93%

Frequently asked

Which has the lower trailing P/E, KR or PYPL?
PYPL has the lower trailing P/E: KR trades at 33.91 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, KR or PYPL?
Over the past five years, PYPL grew revenue faster — KR at a 2.33% CAGR versus PYPL at 7.43%.
Does KR or PYPL pay a bigger dividend?
KR yields 2.41% and PYPL yields 0.75% based on trailing dividends and the latest price.
Is KR or PYPL more profitable?
PYPL runs the higher net margin — KR at 0.71% versus PYPL at 14.36%.
How have KR and PYPL total returns compared?
Over the past 10 years, KR delivered 7.90% and PYPL delivered 4.66% annualized total return. Past performance doesn't predict future results.

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.