M&T Bank Corporation (MTB) vs PayPal Holdings, Inc. (PYPL)
MTB leads on 8 of 14 compared metrics, though PYPL is the cheaper stock.
A side-by-side comparison of M&T Bank Corporation and PayPal Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 24, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).
MTB
M&T Bank Corporation
$233.26Financial Services
PYPL
PayPal Holdings, Inc.
$41.70Financial Services
Total return — MTB vs PYPL
growth of $100 · last 11yMTB +83.7%PYPL +13.6%MTB compounded faster
MTB PYPL
MTB vs PYPL: by the numbers
- •PYPL is the larger company ($36.78B vs $34.16B market cap).
- •PYPL trades at the lower earnings multiple (7.82 vs 12.98 P/E).
- •MTB converts more revenue to profit (23.71% vs 15.00% net margin).
- •MTB grew revenue faster over the past five years (14.97% vs 8.09% CAGR).
- •MTB pays the higher dividend yield (2.57% vs 1.01%).
Which is better, MTB or PYPL?
Metric tally: MTB 8 · PYPL 6It depends on what you're optimizing for:
ValuePYPL(lower P/E)
GrowthMTB(faster 5Y revenue CAGR)
IncomeMTB(higher dividend yield)
QualityPYPL(higher ROIC)
Metrics side by side
Valuation
| Metric | MTB | PYPL |
|---|---|---|
| P/E ratio | 12.98 | 7.82● |
| Forward P/E | 12.48 | 7.24● |
| P/S ratio | 2.95 | 1.14● |
| P/B ratio | 1.31● | 1.92 |
| PEG ratio | 0.73 | 0.30● |
Profitability
| Metric | MTB | PYPL |
|---|---|---|
| Gross margin | 75.31%● | 46.12% |
| Operating margin | 30.69%● | 17.85% |
| Net margin | 23.71%● | 15.00% |
| ROE | 10.48% | 25.26%● |
| ROIC | 6.75% | 14.95%● |
Dividends
| Metric | MTB | PYPL |
|---|---|---|
| Dividend yield | 2.57%● | 1.01% |
| Payout ratio | 35.09% | 7.69% |
Growth (annualized)
| Metric | MTB | PYPL |
|---|---|---|
| Revenue CAGR (5Y) | 14.97%● | 8.09% |
| EPS CAGR (5Y) | 11.46%● | 8.81% |
| Total return CAGR (5Y) | 13.08%● | -31.95% |
Frequently asked
- Which is better, MTB or PYPL?
- It depends on your goal. value: PYPL (lower P/E); growth: MTB (faster 5Y revenue CAGR); income: MTB (higher dividend yield); quality: PYPL (higher ROIC). Across all compared metrics, MTB leads 8 to 6.
- Is MTB or PYPL cheaper?
- On trailing earnings, PYPL is cheaper: MTB trades at a 12.98 P/E and PYPL at 7.82.
- Which has grown faster, MTB or PYPL?
- Over the past five years, MTB grew revenue faster — MTB at a 14.97% CAGR versus PYPL at 8.09%.
- Does MTB or PYPL pay a bigger dividend?
- MTB yields 2.57% and PYPL yields 1.01% based on trailing dividends and the latest price.
- Is MTB or PYPL more profitable?
- MTB runs the higher net margin — MTB at 23.71% versus PYPL at 15.00%.
- Which has been the better investment, MTB or PYPL?
- Over the past 10-year, MTB delivered the higher annualized total return — MTB at 10.67% versus PYPL at 1.38%. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
M&T Bank P/E ratioPayPal P/E ratioM&T Bank dividend yieldPayPal dividend yieldM&T Bank ROEPayPal ROEM&T Bank operating marginPayPal operating marginM&T Bank revenue growthPayPal revenue growthM&T Bank free cash flowPayPal free cash flow
M&T Bank & 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 24, 2026.