PayPal Holdings, Inc. vs Toast Inc. Class A Common Stock — how do they compare? PayPal Holdings, Inc. trades at $56.15 (market cap $48.05B), while Toast Inc. Class A Common Stock trades at $29.65 (market cap $17.85B). The key difference: PayPal Holdings, Inc. is far larger — about 2.7× Toast Inc. Class A Common Stock's market cap, and PayPal Holdings, Inc. pays a 1% dividend while Toast Inc. Class A Common Stock pays none. Which is the better fit depends on your goals — on Pluang, investors hold PayPal Holdings, Inc. for 106 Days and Toast Inc. Class A Common Stock for 0 Days on average.
| PYPL | TOST | |
|---|---|---|
Market Cap | $48.05B | $17.85B |
Volume | 7,905,570 | 6,311,718 |
Sector | Financials | Technology |
52-Week High | $73.01 | $39.02 |
52-Week Low | $39.08 | $22.33 |
Typical Hold Time | 106 Days | 0 Days |
Enterprise Value | $50.20B | $16.10B |
Dividend Yield | 1% | — |
Signals from Pluang's Aura AI — not financial advice
PayPal trades at $56.10, up 0.09% with a bullish technical signal. The stock shows strong fundamentals with revenue growth from $31.8B in 2024 to $33.2B in 2025 and net income of $5.23B. Valuation metrics appear attractive with P/E of 10.62 and EV/EBITDA of 6.89. Recent Q2 2026 earnings beat expectations at $1.38 EPS versus $1.28 expected. The company maintains robust cash flow with $1.53B net cash flow in 2025 and recently announced a Meta partnership for AI-powered checkout.
PayPal presents a compelling value opportunity with reasonable valuation and solid financials, though faces competitive pressures in digital payments. Analyst consensus is mixed with 35.7% buy ratings but a $56.41 price target suggesting limited upside. Key risks include checkout competition and slowing growth, balanced by new CEO's turnaround focus on Venmo, BNPL, and cost efficiency initiatives.
Toast (TOST) trades at $30.89, down 1.37% on the day, with neutral technical indicators showing support at $30 and resistance at $32. The company demonstrates strong fundamental performance with 23% revenue growth in Q2 2026 to $1.91B and expanding profit margins, though valuation metrics remain elevated with a P/E of 39.1. Recent expansion into convenience stores with Toast Fuel and AI-driven product enhancements signal continued growth initiatives.
The outlook remains positive with 61.8% analyst buy ratings and a $38.22 consensus price target representing 24% upside potential. Key risks include execution challenges in new market segments and competitive pressures in the restaurant technology space, while strong earnings beats and institutional support provide confidence in the growth trajectory.
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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 →Toast Inc. provides a cloud-based technology platform for the restaurant industry, combining point-of-sale hardware and software with payment processing, online ordering, payroll, and supplier management tools. The platform serves restaurants ranging from single locations to multi-unit groups across US.
Read more on TOST →