FISV vs PYPL
Fiserv Inc. and PayPal Holdings, Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | FISV | PYPL |
|---|---|---|
| Revenue | $21.2B | $33.2B |
| Net income | $3.5B | $5.2B |
| Gross margin | · | · |
| Net margin | 16.5% | 15.8% |
| Return on equity | 13.2% | 25.7% |
| Diluted EPS | $6.34 | $5.41 |
| Dividend / share | · | $0.14 |
| Payout ratio | · | 2.5% |
| Free cash flow | $4.3B | $5.6B |
| Equity | $25.8B | $20.3B |
| Net debt / equity | 1.09× | 0.10× |
| Current ratio | 1.03× | 1.29× |
| Revenue CAGR 5y | 7.4% | 9.1% |
| Profit CAGR 5y | 29.4% | 4.5% |
PYPL bills 1.6× the revenue of FISV, and FISV keeps more of each dollar of revenue as profit (16.5% against 15.8%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | FISV | PYPL |
|---|---|---|
| FY2025 | $21.2B | $33.2B |
| FY2024 | $20.5B | $31.8B |
| FY2023 | $19.1B | $29.8B |
| FY2022 | $17.7B | $27.5B |
| FY2021 | $16.2B | $25.4B |
| FY2020 | $14.9B | $21.5B |
| FY2019 | $10.2B | $17.8B |
| FY2018 | $5.8B | $15.5B |
| FY2017 | $5.7B | $13.1B |
| FY2016 | $5.5B | $10.8B |
Bottom line
| Fiscal year | FISV | PYPL |
|---|---|---|
| FY2025 | $3.5B | $5.2B |
| FY2024 | $3.1B | $4.1B |
| FY2023 | $3.1B | $4.2B |
| FY2022 | $2.5B | $2.4B |
| FY2021 | $1.3B | $4.2B |
| FY2020 | $958.0M | $4.2B |
| FY2019 | $893.0M | $2.5B |
| FY2018 | $1.2B | $2.1B |
| FY2017 | $1.2B | $1.8B |
| FY2016 | $930.0M | $1.4B |
13 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −$11,979,000,000 | PYPL |
| FY2024 | −$11,341,000,000 | PYPL |
| FY2023 | −$10,678,000,000 | PYPL |
| FY2022 | −$9,781,000,000 | PYPL |
| FY2021 | −$9,145,000,000 | PYPL |
| FY2020 | −$6,602,000,000 | PYPL |
| FY2019 | −$7,585,000,000 | PYPL |
| FY2018 | −$9,628,000,000 | PYPL |
| FY2017 | −$7,398,000,000 | PYPL |
| FY2016 | −$5,337,000,000 | PYPL |
| FY2015 | −$3,994,000,000 | PYPL |
| FY2014 | −$2,959,000,000 | PYPL |
| FY2013 | −$1,913,000,000 | PYPL |
PYPL has reported the higher revenue in every one of these 13 fiscal years. The gap has widened since the earliest year compared.
13 of 19 comparable fiscal years — a year missing data on either side is not counted.
13 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +0.7 pp | FISV |
| FY2024 | +2.5 pp | FISV |
| FY2023 | +2.1 pp | FISV |
| FY2022 | +5.8 pp | FISV |
| FY2021 | −7.8 pp | PYPL |
| FY2020 | −13.0 pp | PYPL |
| FY2019 | −4.9 pp | PYPL |
| FY2018 | +7.1 pp | FISV |
| FY2017 | +8.2 pp | FISV |
| FY2016 | +4.0 pp | FISV |
| FY2015 | +0.3 pp | FISV |
| FY2014 | +9.7 pp | FISV |
| FY2013 | −0.7 pp | PYPL |
The higher net margin has changed hands between FISV and PYPL over this period.
13 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
FISV's net margin has been more volatile than PYPL's over the 13 comparable fiscal years — 4.2 percentage points of standard deviation against 3.3.
13 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between FISV and PYPL over these 13 fiscal years — FISV led in 9 and PYPL in 4.
13 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
FISV's return on equity has been more volatile than PYPL's over the 13 comparable fiscal years — 14.9 percentage points of standard deviation against 5.7.
13 of 18 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between FISV and PYPL over these 13 fiscal years — FISV led in 6 and PYPL in 7.
13 of 18 comparable fiscal years — a year missing data on either side is not counted.