PayPal Holdings, Inc. vs Twilio Inc — how do they compare? PayPal Holdings, Inc. trades at $54.85 (market cap $47.07B), while Twilio Inc trades at $277.9 (market cap $42.35B). The key difference: PayPal Holdings, Inc. and Twilio Inc are close in size by market cap, and PayPal Holdings, Inc. pays a 1.02% dividend while Twilio Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold PayPal Holdings, Inc. for 106 Days and Twilio Inc for 56 Days on average.
| PYPL | TWLO | |
|---|---|---|
Market Cap | $47.07B | $42.35B |
Volume | 13,860,099 | 1,862,642 |
Sector | Financials | Technology |
52-Week High | $75.75 | $301.27 |
52-Week Low | $39.08 | $106.23 |
Typical Hold Time | 106 Days | 56 Days |
Enterprise Value | $49.21B | $40.76B |
Dividend Yield | 1.02% | — |
Signals from Pluang's Aura AI — not financial advice
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.
Twilio (TWLO) trades at $273.00, down 2.64% on the day, with a bullish technical signal from moving averages and neutral oscillators. The company reported strong revenue growth to $5.07 billion in 2025, turning profitable with a net income of $33.83 million, and has beaten EPS estimates for three consecutive quarters. Recent inclusion in the S&P 500 index and positive analyst sentiment highlight its market position.
Outlook remains positive driven by accelerating revenue growth and Voice AI expansion, but risks include high valuation multiples and competitive pressures. Analyst consensus is bullish with a $254.65 price target, though recent insider selling and a high P/E of 38.09 warrant caution for value-focused investors.
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Latest headlines on both assets
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 →Twilio Inc. is a cloud-based communication platform-as-a-service company offering communication building blocks that allow for a fully customized customer engagement experience spanning voice, video, chat, and SMS messaging. It does this through various application programming interfaces, or APIs, and prebuilt solution applications aimed at improving customer engagement. The company leverages its Super Network, a global network of carrier relationships, to facilitate high-speed, cost-effective communication.
Read more on TWLO →