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PYPL vs R
Which Stock Would AI Choose? PayPal Holdings (PYPL) vs. Ryder System (R) Stock Comparison
Key Takeaways
- PYPL has gained over 10% in the recent month, outperforming the broader market amid restructuring news.
- R delivered strong year-to-date (YTD) returns of approximately 31%, though it experienced an 11% decline over the past 30 days.
- PYPL's trailing P/E (price-to-earnings) ratio of 9.3 signals attractive valuation compared to R's 20.8.
- R reported Q1 2026 earnings that beat expectations, supporting its position in logistics amid supply chain dynamics.
- Both stocks trade below their 52-week highs, with PYPL at a steeper discount from its peak.
- Sector contrasts highlight PYPL's fintech volatility versus R's industrial stability (beta of 1.39 vs. 0.93).
Introduction
This comparison examines PYPL, a fintech leader in digital payments, against R, a key player in transportation and logistics. Investors seeking sector diversification or evaluating relative performance in a shifting market—where technology meets industrials—may find value here. With recent earnings cycles and macroeconomic influences like interest rates and supply chains at play, understanding their trajectories aids portfolio positioning and trading decisions in today's environment.
PYPL Overview and Recent Performance
PayPal Holdings (PYPL) operates a global digital payments platform, facilitating transactions for consumers and merchants through brands like PayPal and Venmo. In recent weeks, the stock has climbed around 11%, rebounding from earlier pressures. Trading near $50 with a market cap of $45 billion, it boasts a low P/E ratio of 9.3 and strong profitability (15.8% profit margin). Sentiment has lifted on news of separating Venmo into a standalone unit and anticipation for Q1 earnings, countering competitive pressures from rivals like Block and Stripe. Broader fintech adoption and cost efficiencies have supported stability, though higher beta reflects market sensitivity.
R Overview and Recent Performance
Ryder System (R) provides fleet management, supply chain solutions, and dedicated transportation services to businesses. Shares trade around $250, with a $9.7 billion market cap and P/E of 20.8. Despite a solid YTD gain of 31%, the stock dipped about 11% over the recent 30 days amid sector rotation. Q1 2026 results exceeded expectations with EPS of $2.54, driven by robust rental and used vehicle sales, though revenue held flat. Performance reflects resilience in logistics demand, tempered by economic slowdown concerns and fuel costs, with lower beta indicating relative steadiness.
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Head-to-Head Comparison
PYPL’s asset-light fintech model drives scalability via transaction volume growth, contrasting R’s capital-intensive logistics operations reliant on fleet assets and rentals. Growth drivers differ: PYPL benefits from e-commerce expansion and innovations like Venmo autonomy, while R leverages supply chain recovery and used vehicle cycles. Recent momentum favors PYPL’s monthly uptick versus R’s pullback, but R leads YTD and one-year returns (31% vs. 13%; 84% vs. 22%). Risk profiles show PYPL’s higher volatility (beta 1.39) and debt (61% debt-to-equity), against R’s steadier beta (0.93) but thinner margins (3.9%). Market sentiment tilts toward PYPL’s valuation appeal amid fintech rotation, while R enjoys industrials tailwinds from infrastructure spending.
Tickeron AI Verdict
Tickeron’s AI analysis would currently lean toward PYPL, given its recent momentum recovery, compelling low P/E valuation, and near-term catalysts like earnings and restructuring. While R offers superior longer-term trend consistency and earnings stability, PYPL’s relative positioning suggests higher probability of near-term outperformance in volatile conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is PYPL is a Hold and R is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
PYPL’s FA Score shows that 0 FA rating(s) are green whileR’s FA Score has 3 green FA rating(s).
- PYPL’s FA Score: 0 green, 5 red.
- R’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
PYPL’s TA Score shows that 5 TA indicator(s) are bullish while R’s TA Score has 2 bullish TA indicator(s).
- PYPL’s TA Score: 5 bullish, 4 bearish.
- R’s TA Score: 2 bullish, 6 bearish.
Price Growth
PYPL (@Savings Banks) experienced а +3.08% price change this week, while R (@Finance/Rental/Leasing) price change was -4.39% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was +1.12%. For the same industry, the average monthly price growth was +3.23%, and the average quarterly price growth was -4.46%.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +2.53%. For the same industry, the average monthly price growth was +13.79%, and the average quarterly price growth was +28.10%.
Reported Earning Dates
PYPL is expected to report earnings on Jul 28, 2026.
R is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Savings Banks (+1.12% weekly)A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.
@Finance/Rental/Leasing (+2.53% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
| PYPL | R | PYPL / R | |
| Capitalization | 37.3B | 10.3B | 362% |
| EBITDA | 7.49B | 3.31B | 226% |
| Gain YTD | -26.723 | 39.634 | -67% |
| P/E Ratio | 7.94 | 22.01 | 36% |
| Revenue | 33.7B | 12.7B | 265% |
| Total Cash | 9.34B | 182M | 5,133% |
| Total Debt | 9.41B | 8.72B | 108% |
PYPL | R | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 58 Fair valued | 14 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 4 | |
SMR RATING 1..100 | 38 | 52 | |
PRICE GROWTH RATING 1..100 | 63 | 39 | |
P/E GROWTH RATING 1..100 | 92 | 15 | |
SEASONALITY SCORE 1..100 | n/a | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
R's Valuation (14) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for PYPL (58) in the Data Processing Services industry. This means that R’s stock grew somewhat faster than PYPL’s over the last 12 months.
R's Profit vs Risk Rating (4) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PYPL (100) in the Data Processing Services industry. This means that R’s stock grew significantly faster than PYPL’s over the last 12 months.
PYPL's SMR Rating (38) in the Data Processing Services industry is in the same range as R (52) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew similarly to R’s over the last 12 months.
R's Price Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as PYPL (63) in the Data Processing Services industry. This means that R’s stock grew similarly to PYPL’s over the last 12 months.
R's P/E Growth Rating (15) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PYPL (92) in the Data Processing Services industry. This means that R’s stock grew significantly faster than PYPL’s over the last 12 months.
| PYPL | R | |
|---|---|---|
| RSI ODDS (%) | 5 days ago 56% | 5 days ago 71% |
| Stochastic ODDS (%) | 5 days ago 72% | 5 days ago 60% |
| Momentum ODDS (%) | 5 days ago 77% | 5 days ago 62% |
| MACD ODDS (%) | 5 days ago 60% | 5 days ago 63% |
| TrendWeek ODDS (%) | 5 days ago 65% | 5 days ago 52% |
| TrendMonth ODDS (%) | 5 days ago 74% | 5 days ago 73% |
| Advances ODDS (%) | 7 days ago 63% | 15 days ago 72% |
| Declines ODDS (%) | 15 days ago 74% | 5 days ago 50% |
| BollingerBands ODDS (%) | 5 days ago 61% | 5 days ago 48% |
| Aroon ODDS (%) | 5 days ago 70% | 5 days ago 65% |
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PYPL and
Correlation & Price change
A.I.dvisor indicates that over the last year, PYPL has been loosely correlated with AER. These tickers have moved in lockstep 52% of the time. This A.I.-generated data suggests there is some statistical probability that if PYPL jumps, then AER could also see price increases.
| Ticker / NAME | Correlation To PYPL | 1D Price Change % | ||
|---|---|---|---|---|
| PYPL | 100% | +1.02% | ||
| AER - PYPL | 52% Loosely correlated | +0.65% | ||
| R - PYPL | 51% Loosely correlated | -1.03% | ||
| URI - PYPL | 51% Loosely correlated | +2.65% | ||
| UPBD - PYPL | 46% Loosely correlated | +4.93% | ||
| OBDC - PYPL | 46% Loosely correlated | +0.46% | ||
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