EPAM Systems Inc vs PayPal Holdings, Inc. — how do they compare? EPAM Systems Inc trades at $113.91 (market cap $5.87B), while PayPal Holdings, Inc. trades at $54.88 (market cap $47.07B). The key difference: PayPal Holdings, Inc. is far larger — about 8× EPAM Systems Inc's market cap, and PayPal Holdings, Inc. pays a 1.02% dividend while EPAM Systems Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold EPAM Systems Inc for 37 Days and PayPal Holdings, Inc. for 106 Days on average.
| EPAM | PYPL | |
|---|---|---|
Market Cap | $5.87B | $47.07B |
Volume | 847,420 | 13,860,099 |
Sector | Technology | Financials |
52-Week High | $221.40 | $75.75 |
52-Week Low | $76.04 | $39.08 |
Typical Hold Time | 37 Days | 106 Days |
Enterprise Value | $5.24B | $49.21B |
Dividend Yield | — | 1.02% |
Signals from Pluang's Aura AI — not financial advice
EPAM trades at $108.32, down 0.91% on the day, with a bearish technical signal but solid fundamentals including a P/E of 15.45 and three consecutive quarterly EPS beats. Revenue grew to $5.46B in 2025, though net income margin compressed to 6.92%. Recent news highlights AI-native revenue growth exceeding 11% and activist investor Engine Capital urging a $750M share buyback.
The stock appears undervalued with a consensus price target of $119, offering ~10% upside, but faces near-term headwinds from slower North American growth and AI disruption to legacy services. Investor sentiment is mixed, balancing strong analyst support (59% buy ratings) against technical weakness and competitive pressures.
PayPal (PYPL) trades at $54.95, up 0.62% today, with a bullish technical signal from moving averages and a consensus analyst price target of $56.47. The stock shows strong profitability with a 14.36% net income margin and 24.5% ROE, while recent earnings beats in Q1 and Q2 2026 and a new Meta partnership for AI-powered checkout signal positive momentum. Cash flow remains robust with $1.53B net cash flow in 2025.
PYPL presents a value opportunity with a low P/E of 10.4, but faces risks from competitive pressures in digital payments and slowing branded checkout growth. Wall Street sentiment is mixed with 35.71% buy ratings, yet the stock's current discount to historical highs and cost-cutting initiatives under new CEO Enrique Lores offer potential upside if execution improves.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
Latest headlines on both assets
EPAM Systems Inc provides software product development and digital platform engineering services to clients located around the world. The company services include Software Product Development, Custom Application Development, Application Testing, Enterprise Application Platforms, Application Maintenance, and Support and Infrastructure Management. The company focuses on innovative and scalable software solutions. The company uses industry standard and custom developed technology, tools, and platforms to deliver results to handle business challenges. The company primarily offers its solutions in the following industries: financial services, travel and consumer, software and hi-tech, life sciences and healthcare. The majority of revenue is generated from North American clients.
Read more on EPAM →PayPal Holdings, Inc. operates as a technology platform company that enables digital and mobile payments on behalf of consumers and merchants. The Company offers online payment solutions. PayPal Holdings serves customers worldwide.
Read more on PYPL →