COF vs PYPL
Capital One and PayPal, both Financial Services
Capital One is the larger company at $125B against $37B. On trailing earnings PYPL is the cheaper of the two at a P/E of 11.6 against 64.1, a gap that is only a bargain if the two are growing at similar rates. Over the past year COF returned +3.6% against -10% for PYPL. Ryufin's sector-relative Smart Score puts PYPL ahead, 7/10 against 5/10.
| Figure | COF | PYPL |
|---|---|---|
| Last close | $217 | $61.75 |
| Market cap | $125B | $37B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 64.1 | 11.6 |
| Dividend yield | n/a | 0.2% |
| 1-year return | +3.6% | -10% |
| 5-year return | +47% | -77% |
| Ryufin Smart Scoresector-relative, 1–10 | 5/10 | 7/10 |
Figures from SEC filings and end-of-day closes. Highlighting marks the higher or lower number, which is not the same as the better investment, a low P/E can be a warning and a high one can be deserved.
Capital One
Revenue of $15B in Q1 2026, net income $2.2B. Its largest reported line is Interchange Fees Contracts, 89% of the disclosed total.
PayPal
Revenue of $8.4B in Q1 2026, net income $1.1B. Its largest reported line is US, 58% of the disclosed total.
Open these two in the interactive comparison to add more names, change the period or read the correlation.