AMP vs. PYPL: Ameriprise Financial vs. PayPal Stock Comparison
How do Ameriprise Financial (AMP) and PayPal (PYPL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Ameriprise Financial (AMP) and PayPal (PYPL) both fall under the Financial Services industry group, but AMP is classified in Capital Markets while PYPL is classified in Financial Services.
| Profile Item | AMP | PYPL |
|---|---|---|
| Name | Ameriprise Financial Inc. | PayPal Holdings, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Asset Management & Custody Banks | Transaction & Payment Processing Services |
| Market Capitalization | 43.54 billion USD | 49.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | September 15, 2005 | July 6, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AMP | PYPL |
|---|---|---|
| Total Return (1Y) | 13.80% | -7.44% |
| Total Return (3Y, Annualized) | 17.42% | 4.14% |
| Total Return (5Y, Annualized) | 12.72% | -21.48% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
PayPal (PYPL) is heavily traded at around 11.78M shares per day, whereas Ameriprise Financial (AMP) sees a more moderate 545.31K — larger orders in the latter may require more patience and tighter control over order sizing.
| Metric | AMP | PYPL |
|---|---|---|
| Volatility (1Y, Annualized) | 26.68% | 42.40% |
| Beta (5Y) | 1.10 | 1.28 |
| Max Drawdown (5Y) | -31.54% | -81.84% |
| Avg. Volume (3M) | 545.31K | 11.78M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AMP | PYPL |
|---|---|---|
| Sharpe Ratio (1Y) | 0.36 | -0.28 |
| Sortino Ratio (1Y) | 0.50 | -0.37 |
Profitability
ROE (TTM)
Both companies show strong equity returns, but Ameriprise Financial (AMP) at 71.98% is the standout with ROE above its industry range; PayPal (PYPL) at 23.83% also sits in the top quartile.
AMP
Financial Services industry group
71.98%
- AMP
- 71.98%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
PYPL
Financial Services industry group
23.83%
- Max
- 44.78%
- PYPL
- 23.83%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Ameriprise Financial (AMP) at 20.67% and PayPal (PYPL) at 13.78% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AMP
Financial Services industry group
20.67%
- Max
- 62.84%
- Q3
- 28.05%
- AMP
- 20.67%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
PYPL
Financial Services industry group
13.78%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- PYPL
- 13.78%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Ameriprise Financial (AMP) at 36.41% and PayPal (PYPL) at 18.41% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
AMP
Financial Services industry group
36.41%
- Max
- 107.33%
- Q3
- 55.90%
- AMP
- 36.41%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
PYPL
Financial Services industry group
18.41%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- PYPL
- 18.41%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AMP | PYPL |
|---|---|---|
| ROE (TTM) | 71.98% | 23.83% |
| ROA (TTM) | 2.30% | 4.70% |
| Net Margin (TTM) | 20.67% | 13.78% |
| Operating Margin (TTM) | 36.41% | 18.41% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Ameriprise Financial (AMP) at 7.04% and PayPal (PYPL) at 4.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Ameriprise Financial (AMP) at 9.77% and PayPal (PYPL) at 35.59% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | AMP | PYPL |
|---|---|---|
| Revenue Growth (YoY) | 7.04% | 4.32% |
| Revenue Growth (3Y CAGR) | 9.03% | 6.43% |
| EPS Growth (YoY) | 9.77% | 35.59% |
| EPS Growth (3Y CAGR) | 9.41% | 37.30% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Ameriprise Financial (AMP) in Financial Services and PayPal (PYPL) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Ameriprise Financial (AMP) in Financial Services and PayPal (PYPL) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AMP | PYPL |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Ameriprise Financial (AMP) at 1.30% and PayPal (PYPL) at 0.95% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
AMP
Financial Services industry group
1.30%
- Max
- 9.77%
- Q3
- 3.92%
- AMP
- 1.30%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
PYPL
Financial Services industry group
0.95%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- PYPL
- 0.95%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Ameriprise Financial (AMP) at 14.86% and PayPal (PYPL) at 10.69% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
AMP
Financial Services industry group
14.86%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- AMP
- 14.86%
- Q1
- 0.00%
- Min
- 0.00%
PYPL
Financial Services industry group
10.69%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- PYPL
- 10.69%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AMP | PYPL |
|---|---|---|
| Dividend Yield (TTM) | 1.30% | 0.95% |
| Dividend Payout Ratio (TTM) | 14.86% | 10.69% |
Valuation
P/E Ratio (TTM)
Both Ameriprise Financial (AMP) at 11.29 and PayPal (PYPL) at 11.31 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
AMP
Financial Services industry group
11.29
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- AMP
- 11.29
- Q1
- 9.68
- Min
- 0.16
PYPL
Financial Services industry group
11.31
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- PYPL
- 11.31
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Ameriprise Financial (AMP) at 2.16 and PayPal (PYPL) at 1.43 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AMP
Financial Services industry group
2.16
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- AMP
- 2.16
- Q1
- 1.28
- Min
- -0.55
PYPL
Financial Services industry group
1.43
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- PYPL
- 1.43
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
PayPal (PYPL) at 2.55 sits near its industry’s typical P/B ratio, while Ameriprise Financial (AMP) at 8.54 prices above its benchmark range — AMP looks rich relative to book.
AMP
Financial Services industry group
8.54
- AMP
- 8.54
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
PYPL
Financial Services industry group
2.55
- Max
- 7.79
- Q3
- 3.63
- PYPL
- 2.55
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AMP | PYPL |
|---|---|---|
| P/E Ratio (TTM) | 11.29 | 11.31 |
| P/S Ratio (TTM) | 2.16 | 1.43 |
| P/B Ratio (MRQ) | 8.54 | 2.55 |
| Free Cash Flow Yield (TTM) | -- | -- |