Head to head · SEC data as of July 10, 2026
PayPal
78
Quality score · out of 100
Block
74
Quality score · out of 100
PayPal comes in ahead: a quality score of 78 versus 74 for Block. PayPal wins on net margin (15% vs 3.3%) and ROE (25.3% vs 3.7%). Block answers with revenue growth (19.8% vs 9%) and earnings growth (22.6% vs 8.1%).
| Metric | PayPal | Block |
|---|---|---|
| Quality score (0-100) | 78 | 74 |
| Net margin | 15% | 3.3% |
| Gross margin | — | 44.9% |
| ROE | 25.3% | 3.7% |
| Net debt/EBITDA | 0.35× | 0.56× |
| FCF margin | 16.3% | 13.3% |
| Revenue growth (annualized) | 9% | 19.8% |
| Earnings growth (annualized) | 8.1% | 22.6% |
TTM metrics with official SEC data, refreshed daily. Bold green marks the winner of each metric. A dash means the metric doesn't apply or isn't reliable.
PayPal. PayPal is one of the world's most widespread digital-payments platforms: it processes online purchases through its checkout buttons (PayPal, Venmo, Braintree) and takes a fee per transaction. A sector pioneer, it now fights to reignite growth.
Block. Block is the home of Square and Cash App: the terminals and software collecting payments for millions of small merchants, and the finance app where tens of millions of Americans store, send and invest money — bitcoin included, founder Jack Dorsey's confessed obsession.
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What this comparison doesn't tell you
The score measures business quality, not whether the stock is cheap or expensive: the better company can be the worse investment if you overpay. For the valuation verdict, enter each one's current price in the analyzer:
Who has the stronger fundamentals today, PayPal or Block?
By the StockSemáforo model (profitability, growth and financial strength, built on official SEC data), PayPal scores higher: 78 versus 74 out of 100. The score is recomputed nightly with the latest filings.
Does that make PayPal the better investment?
No. The score measures business quality, not valuation: an excellent company can trade at an excessive price and be a poor investment at that price. To find out whether it's cheap or expensive, enter its current quote in the StockSemáforo analyzer.
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