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SQ
Block, Inc. (Cash App) · Financials - Fintech
N/A
N/A this month
VERSUS
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COMPARE
PYPL
PayPal Holdings, Inc. (Venmo) · Financials - Fintech & Digital Payments
$44.53
+7.93% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
SQ
0
PYPL
0
Comparison scoreboard
MIXED SETUPAI Score
SQ N/A
PYPL 39.0
1Y Return
SQ N/A
PYPL -41.55%
Fwd P/E
SQ N/A
PYPL 7.91
Target Up.
SQ N/A
PYPL +13.15%
Op. Margin
SQ N/A
PYPL 17.97%
Metrics last refreshed: 7/9/2026
Quick take
SQ vs PYPL Stock Comparison: AI Score, Valuation, Performance and Upside
SQ (Block/Cash App) and PYPL (PayPal/Venmo) both operate P2P payment super-apps but with different business models around them — Block has Cash App expanding into a comprehensive financial super-app (banking, Bitcoin, investing, loans) paired with the Square merchant ecosystem, while PayPal has both Venmo and the larger PayPal branded checkout franchise processing $1.5+ trillion annually. Cash App is the faster-growing, higher-monetization-potential P2P platform; PayPal is the larger, more established payment company with Venmo as one piece of a multi-product portfolio.
SQ vs PYPL is P2P super-app expanding into full financial services ecosystem (Block's Cash App growing from payments into banking, Bitcoin, investing, and lending for a younger demographic while Square serves SMB merchants) versus established digital payment platform with social P2P network and dominant e-commerce checkout (PayPal's Venmo for social payments paired with PayPal branded checkout's $1.5T+ transaction volume and global merchant acceptance) — focused super-app challenger versus scaled multi-product payment platform.
Live analysis · updated 7/9/2026
SQ and PYPL are closely matched — they split the tracked metrics evenly.
Normalized 1Y performance
SQ
PYPL
Not enough data to chart yet.
Recent returns
SQ
PYPL
Analyst price targets & sentiment
SQ
Price target data unavailable
N/A
PYPL · 38 analysts
STRONG BUYHOLDSTRONG SELL
Buy (2.3/5.0)
Price target range
analyst low$49.00
analyst high$120.00
analyst mean$51.45
current price$44.53
+13.2% upside to analyst mean
Who should consider this stock?
SQ may suit investors who:
- →Want a higher-growth fintech with Cash App's super-app trajectory — Block's Cash App is growing gross profit per user faster than Venmo as more users adopt Cash App Card, Bitcoin, investing, and lending products
- →Value the combination of Cash App's consumer fintech and Square's SMB merchant ecosystem as two complementary platforms with distinct growth drivers that reduce dependence on any single revenue source
- →Accept Bitcoin exposure and fintech investment volatility for potentially higher growth if Cash App successfully expands into a comprehensive digital bank alternative for its younger customer base
PYPL may suit investors who:
- →Want the larger, more established digital payment platform with $1.5T+ total payment volume across PayPal branded checkout, Venmo, and Braintree providing more diversified revenue than Block's two-ecosystem model
- →Value PayPal's dominant e-commerce checkout position as a durable competitive asset — PayPal's branded checkout is present on a large share of U.S. and international e-commerce sites with strong consumer recognition and trust
- →See PayPal's current valuation as offering upside from Venmo monetization improvements, operating leverage, and Braintree scale as the company focuses on profitability under more disciplined management
Performance & AI score
| Metric | SQ | PYPL |
|---|---|---|
| AI score | N/A | 39.0 |
| AI rank | N/A | #1162 |
| Latest close | N/A | $44.53 |
| 1M return | N/A | +7.93% |
| 6M return | N/A | -25.55% |
| 1Y return | N/A | -41.55% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SQ | PYPL |
|---|---|---|
| 1Y ago | N/A | $5.93K (-40.7%) started 2025-07-08 |
| 5Y ago | N/A | $1.48K (-85.2%) started 2021-07-09 |
| 10Y ago | N/A | $11.67K (+16.7%) started 2016-07-11 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | SQ | PYPL |
|---|---|---|
| Market cap | N/A | $40.11B |
| Trailing P/E | N/A | 8.53 |
| Forward P/E | N/A | 7.91 |
| Price/Sales | 2.46 | 2.24 |
| EV/Revenue | N/A | 1.26 |
| Analyst target | N/A | $51.45 |
| Target upside | N/A | +13.15% |
Growth, profitability & risk
| Metric | SQ | PYPL |
|---|---|---|
| Revenue growth | N/A | 7.20% |
| Earnings growth | N/A | -6.20% |
| EPS growth | N/A | -6.20% |
| FCF margin | N/A | +12.10% |
| Operating margin | N/A | 17.97% |
| Profit margin | N/A | 15.00% |
| ROIC proxy | N/A | 25.12% |
| Return on equity | N/A | 25.12% |
| Dividend yield | N/A | 1.23% |
| Beta | 1.54 | 1.33 |
| Debt/equity | N/A | 58.28 |
| Current ratio | N/A | 1.26 |
| Quick ratio | N/A | 0.22 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
SQ max drawdownN/A
PYPL max drawdown50.04%
SQ max wkly dropN/A
PYPL max wkly drop24.88%
5Y risk snapshot
SQ max drawdownN/A
PYPL max drawdown87.33%
SQ max wkly dropN/A
PYPL max wkly drop31.59%
10Y risk snapshot
SQ max drawdownN/A
PYPL max drawdown87.33%
SQ max wkly dropN/A
PYPL max wkly drop31.59%
Performance metrics by period
| Period | Metric | SQ | PYPL |
|---|---|---|---|
| 1Y | Growth | N/A | -40.65% |
| CAGR | N/A | -40.69% | |
| Sharpe ratio | N/A | -1.24 | |
| Max drawdown | N/A | 50.04% | |
| Max daily drop | N/A | 20.31% | |
| Max wkly drop | N/A | 24.88% | |
| 5Y | Growth | N/A | -85.17% |
| CAGR | N/A | -31.74% | |
| Sharpe ratio | N/A | -0.80 | |
| Max drawdown | N/A | 87.33% | |
| Max daily drop | N/A | 24.59% | |
| Max wkly drop | N/A | 31.59% | |
| 10Y | Growth | N/A | +16.72% |
| CAGR | N/A | +1.56% | |
| Sharpe ratio | N/A | 0.12 | |
| Max drawdown | N/A | 87.33% | |
| Max daily drop | N/A | 24.59% | |
| Max wkly drop | N/A | 31.59% |
Business comparison
| Category | SQ | PYPL |
|---|---|---|
| Company | Block, Inc. (Cash App) | PayPal Holdings, Inc. (Venmo) |
| Sector | Financials - Fintech | Financial Services |
| Industry | N/A | Credit Services |
| Core business | Block, Inc. (formerly Square) operates two primary ecosystems: Cash App (consumer fintech super-app for P2P payments, banking, investing, and Bitcoin) and Square (merchant point-of-sale hardware and software for small and medium businesses). Cash App has 55+ million monthly transacting active customers and generates revenue through Cash App Card (debit card interchange), Cash App Pay (checkout), Bitcoin trading (where Block earns a spread), instant deposit fees, and loan originations through Afterpay and Cash App Borrow. | PayPal operates consumer wallets (PayPal, Venmo), merchant payment processing (PayPal Checkout, Braintree), and buy-now-pay-later services. Venmo, PayPal's social P2P payment app, has 80+ million active accounts predominantly among millennials and Gen Z. PayPal's core branded checkout remains the leading non-card payment method for U.S. e-commerce. PayPal processes $1.5+ trillion in total payment volume, making it one of the largest digital payment platforms globally. |
| Investor focus | Investors track Cash App gross profit per active (monetization per user), Square seller ecosystem gross payment volume and software take rates, Bitcoin revenue and gross profit (volatile, lower-margin), Afterpay BNPL integration, and Block's trajectory toward sustainable GAAP profitability. | Investors track PayPal's total payment volume, transaction margin, engagement (transactions per active account), Braintree growth, Venmo monetization, and operating leverage under leadership that has prioritized profitability over pure growth. |
SQ strengths
- →Cash App super-app strategy drives high monetization per user — Cash App users who adopt multiple products (banking, investing, Bitcoin, Cash App Card) generate significantly more gross profit than P2P-only users; expanding the financial services ecosystem per user increases average revenue per account
- →Square seller ecosystem with integrated hardware/software/payments — Block's Square business serves millions of small merchants with point-of-sale hardware, inventory management, payroll, and loans; this SMB ecosystem generates stable recurring software and payments revenue
- →Bitcoin distribution and adoption platform — Cash App is one of the largest retail Bitcoin platforms in the U.S.; Bitcoin revenue is volatile but Bitcoin gross profit provides a meaningful component of Block's overall gross profit, and Bitcoin adoption tailwinds benefit Cash App engagement
PYPL strengths
- →Venmo's network effects among millennials and Gen Z — Venmo's social payments experience has strong network effects; users stay where their friends are, and Venmo has established a dominant presence in younger demographics for social payment contexts
- →PayPal checkout brand recognition driving merchant demand — PayPal's trusted checkout brand creates merchant demand to offer 'Pay with PayPal' as an option; merchant adoption sustains consumer usage in a reinforcing loop
- →Scale of PayPal ecosystem enabling cross-sell — PayPal's 400+ million active accounts represent a large base for cross-selling financial products (BNPL, Savings, debit card, crypto) that can increase revenue per user
Risks to watch — SQ
- →Cash App monetization versus Venmo comparison — Venmo (PayPal's P2P app) serves similar demographics; competition for share of wallet between Cash App and Venmo is ongoing, with both attempting to expand from P2P into broader financial services
- →Bitcoin revenue concentration and volatility — a significant portion of Block's revenue comes from Bitcoin trading where Block earns a spread; Bitcoin price volatility creates lumpiness in Bitcoin gross profit that makes Block earnings harder to forecast
- →Square seller ecosystem competition from Toast, Clover, Stripe — Block's Square merchant business faces competition from vertically-focused POS competitors (Toast for restaurants, Shopify for e-commerce, Stripe for online businesses); Square must continue adding functionality to retain and grow its SMB merchant base
Risks to watch — PYPL
- →Venmo monetization slower than expected — PayPal has struggled to monetize Venmo's large user base at meaningful scale; core P2P transfers remain free, and converting users to revenue-generating products (Venmo Pay at merchants, Venmo Credit Card) has been gradual
- →Apple Pay competition reducing PayPal checkout advantage on mobile — Apple Pay's integration with iPhone and Safari makes it frictionless on Apple devices; as mobile commerce grows, PayPal's checkout experience advantage may erode on iOS where Apple Pay is natively integrated
- →Competition from Cash App for younger demographics — Cash App and Venmo compete for the same young adult demographic; Cash App's Bitcoin integration and investing features may be attracting users who might otherwise be Venmo-first
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