Advertisement
PYPL vs UPBD
Which Stock Would AI Choose? PayPal Holdings (PYPL) vs. Upbound Group (UPBD) Stock Comparison
Key Takeaways
- PayPal Holdings (PYPL) commands a significantly larger market capitalization of approximately $45 billion compared to Upbound Group (UPBD)'s $1.1 billion, reflecting greater scale in digital payments versus consumer leasing.
- Both stocks exhibited positive momentum in recent market activity, with PYPL rising over 10% in the past month amid restructuring news, while UPBD gained around 5-6% following strong quarterly earnings.
- PYPL trades at a lower price-to-earnings (P/E) ratio of about 9.3 versus UPBD's 13.3, suggesting relatively cheaper valuation on earnings.
- UPBD offers a higher dividend yield near 8%, appealing to income-focused investors, while PYPL yields about 1.1%.
- Recent catalysts include PYPL's Venmo reorganization and UPBD's earnings beat driven by Brigit subscriber growth of 27% year-over-year.
Introduction
PayPal Holdings (PYPL) and Upbound Group (UPBD) operate in distinct yet overlapping segments of the financial services landscape—digital payments and consumer leasing, respectively. This comparison is relevant for traders seeking short-term momentum plays and investors evaluating fintech and specialty finance exposures amid evolving market conditions. With both stocks showing resilience in recent weeks despite broader sector volatility, understanding their relative performance, growth drivers, and risk profiles can inform portfolio positioning in a rate-sensitive environment.
PYPL Overview and Recent Performance
PayPal Holdings, Inc. (PYPL) is a leading global technology platform enabling digital payments for merchants and consumers. Its ecosystem includes peer-to-peer transfers via Venmo and buy-now-pay-later options. In recent market activity, PYPL shares traded around $50, within a 52-week range of $38 to $80, reflecting volatility from competitive pressures and macroeconomic shifts. The stock gained over 10% in the past month, buoyed by announcements of strategic reorganization, including positioning Venmo as a standalone business unit and integrating AI for commerce enhancements. Sentiment has improved on these catalysts ahead of quarterly earnings, though year-to-date performance remains mixed due to prior declines. Key metrics include a market cap near $45 billion, earnings per share (EPS) of $5.41, and return on equity (ROE) of 25.7%, underscoring robust profitability.
UPBD Overview and Recent Performance
Upbound Group, Inc. (UPBD) is a technology-driven provider of accessible financial solutions, operating rent-to-own stores under Rent-A-Center, lease-to-own via Acima, and fintech lending through Brigit. Shares recently hovered near $19, in a 52-week band of $16 to $28. Recent weeks saw a roughly 5% monthly uptick, propelled by first-quarter 2026 earnings that exceeded estimates, with revenue at $1.22 billion and notable 27% growth in Brigit paying users to 1.6 million. An expanded partnership with Amazon for pickups at 1,700 stores further boosted sentiment. Despite high debt-to-equity at 241%, the company maintains a market cap of $1.1 billion, EPS of $1.44, and ROE of 12%.
Trending AI Robots
Tickeron’s Trending AI Robots page showcases the top 25 performers selected from over 350 AI trading bots that analyze thousands of tickers across diverse strategies. These bots deliver impressive stats, including annualized returns ranging from 23% to over 160%, win rates between 51% and 88%, and profit factors up to 11.7. Covering timeframes from minutes to weeks, they employ technical and fundamental analyses for trend trading, swing trades, and high-win-rate approaches on sectors like tech, finance, and industrials. Traders can explore these curated, market-suited bots for real-time signals and automated strategies. Visit the page to discover bots aligning with current conditions.
Head-to-Head Comparison
PYPL’s business model centers on scalable global digital payments, contrasting UPBD’s focus on U.S.-centric rent-to-own and fintech lending for underserved consumers. Growth drivers differ: PYPL leverages AI integrations and Venmo autonomy, while UPBD benefits from Brigit expansion and retail partnerships. Recent momentum favors PYPL with stronger monthly gains, but UPBD shows steadier year-to-date returns. Risk factors include PYPL’s high beta (1.39) amid fintech competition and UPBD’s elevated leverage. Sector exposure positions PYPL in broad payments and UPBD in cyclical consumer finance, with market sentiment tilting toward PYPL’s catalysts.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward PYPL due to its superior scale, higher ROE, lower P/E valuation, and fresh reorganization catalysts signaling improved trend consistency and positioning. While UPBD offers compelling earnings momentum and yield, PYPL exhibits greater stability and growth potential in the near term, though both warrant monitoring amid market shifts.
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 UPBD 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 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 5 TA indicator(s) are bullish while UPBD’s TA Score has 5 bullish TA indicator(s).
- PYPL’s TA Score: 5 bullish, 4 bearish.
- UPBD’s TA Score: 5 bullish, 4 bearish.
Price Growth
PYPL (@Savings Banks) experienced а -0.35% price change this week, while UPBD (@Packaged Software) price change was +0.64% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was +1.22%. For the same industry, the average monthly price growth was +3.31%, and the average quarterly price growth was -4.43%.
The average weekly price growth across all stocks in the @Packaged Software industry was -3.87%. For the same industry, the average monthly price growth was -3.53%, and the average quarterly price growth was +12.23%.
Reported Earning Dates
PYPL is expected to report earnings on Jul 28, 2026.
UPBD is expected to report earnings on Jul 30, 2026.
Industries' Descriptions
@Savings Banks (+1.22% 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 (-3.87% 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 | 37.3B | 1.07B | 3,493% |
| EBITDA | 7.49B | 1.76B | 425% |
| Gain YTD | -27.016 | 8.878 | -304% |
| P/E Ratio | 7.94 | 12.72 | 62% |
| Revenue | 33.7B | 4.74B | 711% |
| Total Cash | 9.34B | N/A | - |
| Total Debt | 9.41B | 1.73B | 545% |
PYPL | UPBD | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 58 Fair valued | 3 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 38 | 66 | |
PRICE GROWTH RATING 1..100 | 63 | 50 | |
P/E GROWTH RATING 1..100 | 92 | 41 | |
SEASONALITY SCORE 1..100 | n/a | 10 |
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 somewhat better than the same rating for PYPL (58) in the Data Processing Services industry. This means that UPBD’s stock grew somewhat 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 (38) in the Data Processing Services industry is in the same range as UPBD (66) 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 Price Growth Rating (50) 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 UPBD’s stock grew similarly to PYPL’s over the last 12 months.
UPBD's P/E Growth Rating (41) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for PYPL (92) in the Data Processing Services industry. This means that UPBD’s stock grew somewhat faster than PYPL’s over the last 12 months.
| PYPL | UPBD | |
|---|---|---|
| RSI ODDS (%) | 5 days ago 56% | N/A |
| Stochastic ODDS (%) | 5 days ago 72% | 5 days ago 81% |
| Momentum ODDS (%) | 5 days ago 77% | 5 days ago 73% |
| MACD ODDS (%) | 5 days ago 60% | 5 days ago 75% |
| TrendWeek ODDS (%) | 5 days ago 65% | 5 days ago 69% |
| TrendMonth ODDS (%) | 5 days ago 74% | 5 days ago 70% |
| Advances ODDS (%) | 7 days ago 63% | 11 days ago 68% |
| Declines ODDS (%) | 15 days ago 74% | 20 days ago 73% |
| BollingerBands ODDS (%) | 5 days ago 61% | 5 days ago 85% |
| Aroon ODDS (%) | 5 days ago 70% | 5 days ago 66% |
Advertisement
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% | +4.93% | ||
| PRG - UPBD | 67% Closely correlated | +2.15% | ||
| ALLY - UPBD | 53% Loosely correlated | -0.02% | ||
| OMF - UPBD | 52% Loosely correlated | +0.99% | ||
| SYF - UPBD | 52% Loosely correlated | +1.55% | ||
| CPAY - UPBD | 51% Loosely correlated | -2.28% | ||
More | ||||