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PYPL vs UPBD
Which Stock Would AI Choose? PayPal Holdings, Inc. (PYPL) vs. Upbound Group, Inc. (UPBD) Stock Comparison
Key Takeaways
- PYPL operates a global digital payments platform with a market capitalization near $49.5 billion and trades at a lower price-to-earnings ratio compared to UPBD.
- UPBD, formerly Rent-A-Center, focuses on lease-to-own retail and recently expanded through an Amazon partnership for store-based order pickups and returns.
- Recent market activity shows PYPL shares trading around $56 with a 52-week range of approximately $38 to $80, reflecting broader fintech sector volatility.
- UPBD declared a quarterly dividend of $0.39 for the third quarter of 2026 and is scheduled to report second-quarter results on July 30, 2026.
- Valuation metrics indicate PYPL at a P/E near 10.6 versus a higher multiple for UPBD, highlighting differences in earnings multiples and sector positioning.
- Sentiment drivers include ongoing digital payments adoption for PYPL and operational execution plus partnership momentum for UPBD.
Introduction
This comparison examines PYPL and UPBD to provide traders and investors with a factual overview of their relative positioning in the current market. PayPal Holdings, Inc. represents the digital payments and fintech sector, while Upbound Group, Inc. operates in specialty retail through lease-to-own models. The analysis focuses on recent performance trends, business fundamentals, and market sentiment factors that institutional and retail participants may consider when evaluating exposure across these distinct segments. Broader references to recent weeks and market activity help maintain relevance for ongoing portfolio reviews.
PYPL Overview and Recent Performance
PayPal Holdings, Inc. provides digital payment solutions, including online and mobile transaction processing, across consumer and merchant segments worldwide. In recent market activity, shares have traded near $56, within a 52-week range spanning roughly $38 to $80, amid fluctuations influenced by broader technology and financial services sector movements. Key influences on sentiment include continued adoption of digital wallets and cross-border payment volumes, alongside competitive pressures in the payments space. Market capitalization stands near $49.5 billion, with a price-to-earnings ratio around 10.6 and a modest dividend yield. Performance in recent weeks has reflected mixed signals from earnings expectations and macroeconomic factors affecting consumer spending patterns.
UPBD Overview and Recent Performance
Upbound Group, Inc. operates lease-to-own retail businesses, primarily through Rent-A-Center stores, serving customers seeking flexible ownership options for household goods and electronics. Recent developments include an April 2026 agreement with Amazon to position stores as hubs for order pickups and returns, alongside a declared quarterly dividend of $0.39 for the third quarter of 2026. The company is set to report second-quarter 2026 results on July 30. Valuation metrics show a higher price-to-earnings ratio relative to peers in some comparisons. Recent market activity has been shaped by operational execution updates and partnership-related catalysts, with share price movements reflecting retail sector dynamics and consumer credit conditions.
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Head-to-Head Comparison
PYPL and UPBD differ substantially in business models, with the former centered on scalable digital payments infrastructure and the latter on asset-light lease-to-own retail operations. Growth drivers for PYPL center on transaction volume expansion and fintech innovation, while UPBD benefits from retail partnerships and consumer financing demand. Recent momentum shows PYPL influenced by sector-wide valuation compression, contrasted with UPBD’s focus on partnership execution and upcoming earnings. Risk factors include regulatory scrutiny for payments platforms versus cyclical retail and credit exposure for lease-to-own businesses. Sector exposure places PYPL in financial technology and UPBD in consumer discretionary retail. Market sentiment reflects ongoing digital transition themes for one and operational resilience for the other, creating distinct trade-offs for portfolio allocation.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings visibility, and relative positioning, Tickeron’s AI would currently assign a modestly higher probability of favorable near-term characteristics to PYPL due to its lower valuation multiple and established scale in a high-growth payments environment. UPBD presents attractive dividend support and partnership catalysts but carries higher earnings multiples amid retail sector variables. This assessment remains probabilistic and draws solely from available market data and structural attributes rather than forward projections.
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 disclaimer.
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 UPBD is a Buy.
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 whileUPBD’s FA Score has 1 green FA rating(s).
- PYPL’s FA Score: 0 green, 5 red.
- UPBD’s FA Score: 1 green, 4 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 3 TA indicator(s) are bullish while UPBD’s TA Score has 5 bullish TA indicator(s).
- PYPL’s TA Score: 3 bullish, 5 bearish.
- UPBD’s TA Score: 5 bullish, 5 bearish.
Price Growth
PYPL (@Savings Banks) experienced а +2.07% price change this week, while UPBD (@Packaged Software) price change was -5.32% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was +0.54%. For the same industry, the average monthly price growth was +0.03%, and the average quarterly price growth was +9.39%.
The average weekly price growth across all stocks in the @Packaged Software industry was +1.30%. For the same industry, the average monthly price growth was +2.07%, and the average quarterly price growth was +10.03%.
Reported Earning Dates
PYPL is expected to report earnings on Oct 27, 2026.
UPBD is expected to report earnings on Oct 29, 2026.
Industries' Descriptions
@Savings Banks (+0.54% 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.
@Packaged Software (+1.30% weekly)Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.
| PYPL | UPBD | PYPL / UPBD | |
| Capitalization | 50.5B | 1.12B | 4,505% |
| EBITDA | 7.29B | 1.76B | 415% |
| Gain YTD | 1.823 | 14.227 | 13% |
| P/E Ratio | 11.17 | 12.49 | 89% |
| Revenue | 34.1B | 4.74B | 719% |
| Total Cash | 11.3B | 105M | 10,762% |
| Total Debt | 13.4B | 1.71B | 785% |
PYPL | UPBD | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 3 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 39 | 63 | |
PRICE GROWTH RATING 1..100 | 38 | 53 | |
P/E GROWTH RATING 1..100 | 78 | 46 | |
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.
UPBD's Valuation (3) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PYPL (72) in the Data Processing Services industry. This means that UPBD’s stock grew significantly faster than PYPL’s over the last 12 months.
UPBD's Profit vs Risk Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as PYPL (100) in the Data Processing Services industry. This means that UPBD’s stock grew similarly to PYPL’s over the last 12 months.
PYPL's SMR Rating (39) in the Data Processing Services industry is in the same range as UPBD (63) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew similarly to UPBD’s over the last 12 months.
PYPL's Price Growth Rating (38) in the Data Processing Services industry is in the same range as UPBD (53) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew similarly to UPBD’s over the last 12 months.
UPBD's P/E Growth Rating (46) in the Finance Or Rental Or Leasing industry is in the same range as PYPL (78) in the Data Processing Services industry. This means that UPBD’s stock grew similarly to PYPL’s over the last 12 months.
| PYPL | UPBD | |
|---|---|---|
| RSI ODDS (%) | 5 days ago 77% | 5 days ago 83% |
| Stochastic ODDS (%) | 5 days ago 76% | 5 days ago 75% |
| Momentum ODDS (%) | N/A | 5 days ago 80% |
| MACD ODDS (%) | 5 days ago 76% | 5 days ago 77% |
| TrendWeek ODDS (%) | 5 days ago 66% | 5 days ago 69% |
| TrendMonth ODDS (%) | 5 days ago 68% | 5 days ago 73% |
| Advances ODDS (%) | 8 days ago 63% | 8 days ago 69% |
| Declines ODDS (%) | 12 days ago 75% | 6 days ago 73% |
| BollingerBands ODDS (%) | 5 days ago 86% | 5 days ago 78% |
| Aroon ODDS (%) | 5 days ago 64% | 5 days ago 70% |
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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% | N/A | ||
| AER - PYPL | 52% Loosely correlated | -1.41% | ||
| R - PYPL | 51% Loosely correlated | -0.77% | ||
| URI - PYPL | 51% Loosely correlated | -2.18% | ||
| UPBD - PYPL | 46% Loosely correlated | -3.08% | ||
| OBDC - PYPL | 46% Loosely correlated | -0.77% | ||
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UPBD and
Correlation & Price change
A.I.dvisor indicates that over the last year, UPBD has been closely correlated with PRG. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if UPBD jumps, then PRG could also see price increases.
| Ticker / NAME | Correlation To UPBD | 1D Price Change % | ||
|---|---|---|---|---|
| UPBD | 100% | -3.08% | ||
| PRG - UPBD | 67% Closely correlated | -1.52% | ||
| ALLY - UPBD | 53% Loosely correlated | +0.16% | ||
| OMF - UPBD | 52% Loosely correlated | -1.16% | ||
| SYF - UPBD | 52% Loosely correlated | -0.51% | ||
| CPAY - UPBD | 51% Loosely correlated | +2.02% | ||
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