PYPL
Price
$41.03
Change
-$0.67 (-1.61%)
Updated
Feb 4 closing price
Capitalization
37.77B
89 days until earnings call
Intraday BUY SELL Signals
XYF
Price
$5.21
Change
+$0.06 (+1.17%)
Updated
Feb 4 closing price
Capitalization
203.56M
Intraday BUY SELL Signals
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PYPL vs XYF

Header iconPYPL vs XYF Comparison
Open Charts PYPL vs XYFBanner chart's image
PayPal Holdings
Price$41.03
Change-$0.67 (-1.61%)
Volume$58.02M
Capitalization37.77B
X Financial
Price$5.21
Change+$0.06 (+1.17%)
Volume$191.73K
Capitalization203.56M
PYPL vs XYF Comparison Chart in %
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VS
PYPL vs. XYF commentary
Feb 05, 2026

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 Buy and XYF is a Hold.

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COMPARISON
Comparison
Feb 05, 2026
Stock price -- (PYPL: $41.03 vs. XYF: $5.21)
Brand notoriety: PYPL: Notable vs. XYF: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: PYPL: 299% vs. XYF: 84%
Market capitalization -- PYPL: $37.77B vs. XYF: $203.56M
PYPL [@Savings Banks] is valued at $37.77B. XYF’s [@Savings Banks] market capitalization is $203.56M. The market cap for tickers in the [@Savings Banks] industry ranges from $634.57B to $0. The average market capitalization across the [@Savings Banks] industry is $20.99B.

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 whileXYF’s FA Score has 1 green FA rating(s).

  • PYPL’s FA Score: 0 green, 5 red.
  • XYF’s FA Score: 1 green, 4 red.
According to our system of comparison, PYPL is a better buy in the long-term than XYF.

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 4 TA indicator(s) are bullish while XYF’s TA Score has 4 bullish TA indicator(s).

  • PYPL’s TA Score: 4 bullish, 4 bearish.
  • XYF’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, both PYPL and XYF are a good buy in the short-term.

Price Growth

PYPL (@Savings Banks) experienced а -24.13% price change this week, while XYF (@Savings Banks) price change was -9.23% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.23%. For the same industry, the average monthly price growth was -7.01%, and the average quarterly price growth was +0.53%.

Reported Earning Dates

PYPL is expected to report earnings on May 05, 2026.

Industries' Descriptions

@Savings Banks (-2.23% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
PYPL($37.8B) has a higher market cap than XYF($204M). PYPL has higher P/E ratio than XYF: PYPL (7.58) vs XYF (0.88). XYF YTD gains are higher at: -6.964 vs. PYPL (-29.719). XYF has less debt than PYPL: XYF (566M) vs PYPL (11.3B). PYPL has higher revenues than XYF: PYPL (32.9B) vs XYF (3.44B).
PYPLXYFPYPL / XYF
Capitalization37.8B204M18,529%
EBITDA7.48BN/A-
Gain YTD-29.719-6.964427%
P/E Ratio7.580.88857%
Revenue32.9B3.44B957%
Total Cash10.8BN/A-
Total Debt11.3B566M1,996%
FUNDAMENTALS RATINGS
PYPL vs XYF: Fundamental Ratings
PYPL
XYF
OUTLOOK RATING
1..100
5055
VALUATION
overvalued / fair valued / undervalued
1..100
39
Fair valued
4
Undervalued
PROFIT vs RISK RATING
1..100
10082
SMR RATING
1..100
3899
PRICE GROWTH RATING
1..100
6592
P/E GROWTH RATING
1..100
9897
SEASONALITY SCORE
1..100
n/a50

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.

XYF's Valuation (4) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for PYPL (39) in the Data Processing Services industry. This means that XYF’s stock grew somewhat faster than PYPL’s over the last 12 months.

XYF's Profit vs Risk Rating (82) 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 XYF’s stock grew similarly to PYPL’s over the last 12 months.

PYPL's SMR Rating (38) in the Data Processing Services industry is somewhat better than the same rating for XYF (99) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew somewhat faster than XYF’s over the last 12 months.

PYPL's Price Growth Rating (65) in the Data Processing Services industry is in the same range as XYF (92) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew similarly to XYF’s over the last 12 months.

XYF's P/E Growth Rating (97) in the Finance Or Rental Or Leasing industry is in the same range as PYPL (98) in the Data Processing Services industry. This means that XYF’s stock grew similarly to PYPL’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
PYPLXYF
RSI
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 1 day ago
81%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
66%
Bullish Trend 1 day ago
90%
Momentum
ODDS (%)
Bearish Trend 1 day ago
76%
Bearish Trend 1 day ago
72%
MACD
ODDS (%)
Bearish Trend 1 day ago
77%
Bearish Trend 1 day ago
84%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
72%
Bearish Trend 1 day ago
79%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
72%
Bearish Trend 1 day ago
77%
Advances
ODDS (%)
Bullish Trend 15 days ago
64%
Bullish Trend 25 days ago
80%
Declines
ODDS (%)
Bearish Trend 1 day ago
74%
Bearish Trend 7 days ago
77%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
71%
Bullish Trend 1 day ago
85%
Aroon
ODDS (%)
Bearish Trend 1 day ago
72%
Bearish Trend 1 day ago
87%
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PYPL
Daily Signal:
Gain/Loss:
XYF
Daily Signal:
Gain/Loss:
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PYPL and

Correlation & Price change

A.I.dvisor indicates that over the last year, PYPL has been closely correlated with NISN. These tickers have moved in lockstep 76% of the time. This A.I.-generated data suggests there is a high statistical probability that if PYPL jumps, then NISN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PYPL
1D Price
Change %
PYPL100%
-1.61%
NISN - PYPL
76%
Closely correlated
-0.99%
XYF - PYPL
74%
Closely correlated
+1.17%
QFIN - PYPL
74%
Closely correlated
+0.86%
LX - PYPL
60%
Loosely correlated
+0.37%
OMF - PYPL
58%
Loosely correlated
-1.39%
More

XYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, XYF has been closely correlated with QFIN. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if XYF jumps, then QFIN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
+1.17%
QFIN - XYF
82%
Closely correlated
+0.86%
NISN - XYF
75%
Closely correlated
-0.99%
FINV - XYF
67%
Closely correlated
-0.20%
LU - XYF
63%
Loosely correlated
-1.57%
LMFA - XYF
63%
Loosely correlated
-5.82%
More