Fiserv vs PayPal
PayPal is the larger business, with $33.17bn of revenue in fiscal 2025 against $21.19bn for Fiserv (1.6 times as much). PayPal grew faster (4.3% against 3.6%). Fiserv kept more of each dollar of sales as profit: a net margin of 16.4% against 15.8%.
| Latest fiscal year | FiservFISV, 2025 | PayPalPYPL, 2025 |
|---|---|---|
| Revenue | $21.19bn | $33.17bn |
| Revenue growth | 3.6% | 4.3% |
| Net income | $3.48bn | $5.23bn |
| Operating margin | — | 18.3% |
| Net margin | 16.4% | 15.8% |
| Return on equity | 13.2% | 25.7% |
| Free cash flow | $4.30bn | $5.56bn |
| Cash | $798m | $8.05bn |
| Total debt | $29.00bn | $11.58bn |
| Debt to equity | — | 57.2% |
| Dividend per share | — | $0.14 |
| Dividend yield | — | 1.0% |
| Share buybacks | — | $6.05bn |
| Employees | 38,000 | 23,800 |
| Market value | $31.16bn | $48.91bn |
| Price vs our value range | Below our value range | Below our value range |
| Moat score | 67 (Moderate) | 66 (Moderate) |
| Insider trades, 12 months | 9 buys, 0 sales | 1 buys, 38 sales |