COMP <GO>
PYPL vs PAYX // 10Y YIELD & FRED MACRO BETA
PayPal Holdings Inc. (NASDAQ) VS. Paychex Inc. (NASDAQ) • 15-METRIC TALLY: PYPL 7
— PAYX 6
▲ 10Y YIELD & FRED MACRO BETA LEADER: PYPL
LAST: $56.95 (+0.71%) • MKT CAP: $47.31B
macro-sensitivity
0.93
LAST: $109.37 (+1.07%) • MKT CAP: $38.93B
macro-sensitivity
0.92
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PYPL VS. PAYX)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PYPL | PAYX | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 73.40% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 21.60% | 28.60% | -7.00 | PAYX | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.3x | 15.5x | -8.20 | PYPL | /valuation <GO> |
| Free Cash Flow Yield | 11.76% | 5.96% | +5.80 | PYPL | /fcf-yield <GO> |
| Operating Margin | 18.30% | 39.80% | -21.50 | PAYX | /operating-margins <GO> |
| Net Profit Margin | 15.80% | 27.90% | -12.10 | PAYX | /net-margins <GO> |
| Revenue Growth (YoY) | 4.30% | 16.50% | -12.20 | PAYX | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.27% | 4.08% | -3.81 | PAYX | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.90 | 3.03 | -1.13 | PAYX | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | PYPL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.5 | 48.2 | +8.30 | PYPL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.93 | 0.92 | +0.01 | PYPL | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.4x | 18.6x | -10.20 | PYPL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $47.31B | $38.93B | $8.37B | PYPL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PYPL REV | PAYX REV | PYPL GROSS % | PAYX GROSS % | PYPL FCF | PAYX FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $33.17B | $6.30B | — | 73.4% | $5.56B | $2.32B |
| FY 2024 | $31.80B | $5.41B | — | 71.5% | $6.77B | $1.71B |
| FY 2023 | $29.77B | $5.13B | — | — | $3.50B | $1.67B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PYPL // BETA 0.93
PAYX // BETA 0.92