Live Report · Updated January 26, 2026

PayPal vs Workday

PayPal vs Workday: This page compares the two companies across business models, financial performance, and market context in a neutral, accessible way. Explore how each organisation operates, earns revenue, and fits into the broader landscape. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

PYPL

Metric

WDAY

$52.96B

Market Cap

$50.19B

34.28%

Potential Profit

44.59%

Hold

Analyst Rating

Buy

Why It's Moving

PayPal Shares Slide Amid Broader Market Pressure as Investors Await Earnings Catalyst

Stock closed at $56.56 after -1.27% daily loss, worse than broader indices like Nasdaq's -0.1%, highlighting sector-specific headwinds.
Daiwa Securities downgraded to Neutral on Jan 13 with $61 target, reflecting caution on near-term growth amid recent 7% monthly decline.
Earnings preview shows expected EPS of $1.29 (up 8.4% YoY) and $8.81B revenue, potentially signaling resilience despite valuation trading at a discount.

Sentiment:

🐻Bearish

Workday Powers Toward Record Highs on AI Momentum and Analyst Buzz from Workday Rising Event

Workday Rising event unveiled AI-focused acquisitions including Sana and key partnerships, positioning the platform as essential for enterprise AI ecosystems.
Seven recent analyst updates feature two upgrades and boosted targets, with consensus forecasting 25% upside and potential to hit $400+ amid technical rebound.
Goldman Sachs initiated coverage at Neutral on Jan 19, citing AI optimism tempered by market share hurdles, amid shares climbing from recent lows around $183.

Sentiment:

🐃Bullish

PayPal Shares Slide Amid Broader Market Pressure as Investors Await Earnings Catalyst

Stock closed at $56.56 after -1.27% daily loss, worse than broader indices like Nasdaq's -0.1%, highlighting sector-specific headwinds.
Daiwa Securities downgraded to Neutral on Jan 13 with $61 target, reflecting caution on near-term growth amid recent 7% monthly decline.
Earnings preview shows expected EPS of $1.29 (up 8.4% YoY) and $8.81B revenue, potentially signaling resilience despite valuation trading at a discount.

Sentiment:

🐻Bearish

Workday Powers Toward Record Highs on AI Momentum and Analyst Buzz from Workday Rising Event

Workday Rising event unveiled AI-focused acquisitions including Sana and key partnerships, positioning the platform as essential for enterprise AI ecosystems.
Seven recent analyst updates feature two upgrades and boosted targets, with consensus forecasting 25% upside and potential to hit $400+ amid technical rebound.
Goldman Sachs initiated coverage at Neutral on Jan 19, citing AI optimism tempered by market share hurdles, amid shares climbing from recent lows around $183.

Sentiment:

🐃Bullish

Investment Analysis

PayPal

PYPL

Pros

PayPal reported strong Q2 2025 revenue growth of 5% year-on-year, with adjusted earnings per share exceeding analyst expectations.
The company maintains a robust balance sheet with a current ratio above 1.3 and solid interest coverage, indicating financial stability.
PayPal is investing in new growth initiatives such as agentic commerce, stablecoin integration, and AI-based solutions to drive future expansion.

Considerations

Branded payment growth through PayPal and Venmo slowed to 5%, missing internal targets and raising concerns about competitive pressures.
Management expects a $125 million decline in interest-related income in the second half of 2025, which could pressure profitability.
Despite positive results, the stock has underperformed over the past year, reflecting investor caution amid elevated market expectations.

Workday

WDAY

Pros

Workday continues to benefit from strong demand for cloud-based enterprise resource planning and human capital management solutions.
The company maintains a high return on invested capital, reflecting efficient use of capital and strong operating margins.
Workday has a solid balance sheet with low debt and consistent cash flow generation, supporting ongoing investment and resilience.

Considerations

Workday faces intensifying competition from larger tech firms entering the cloud enterprise software space, which could pressure pricing.
Revenue growth has moderated compared to earlier years, reflecting market saturation and longer sales cycles in the enterprise segment.
The company's valuation remains relatively high compared to peers, increasing sensitivity to macroeconomic downturns and interest rate changes.

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