BSBR vs. PYPL: A Head-to-Head Stock Comparison

Updated on August 25, 2025

Here’s a clear look at BSBR and PYPL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

BSBR trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, PYPL is a standard domestic listing.

Symbol	BSBR	PYPL
Company Name	Banco Santander (Brasil) S.A.	PayPal Holdings, Inc.
Country	Brazil	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Financial Services
Market Capitalization	36.16 billion USD	65.04 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	October 7, 2009	July 6, 2015
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BSBR and PYPL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BSBR vs. PYPL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BSBR	PYPL
5-Day Price Return	-2.49%	-1.87%
13-Week Price Return	-12.94%	-5.86%
26-Week Price Return	0.08%	-11.11%
52-Week Price Return	-11.40%	-1.94%
Month-to-Date Return	-0.32%	-0.99%
Year-to-Date Return	10.71%	-20.23%
10-Day Avg. Volume	0.04M	9.83M
3-Month Avg. Volume	0.08M	10.36M
3-Month Volatility	24.02%	32.89%
Beta	1.15	1.45

Profitability

Return on Equity (TTM)

BSBR

9.76%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

BSBR’s Return on Equity of 9.76% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

PYPL

23.09%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

In the upper quartile for the Financial Services industry, PYPL’s Return on Equity of 23.09% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

BSBR vs. PYPL: A comparison of their Return on Equity (TTM) against their respective Banks and Financial Services industry benchmarks.

Net Profit Margin (TTM)

BSBR

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Net Profit Margin data for BSBR is currently unavailable.

PYPL

14.49%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

PYPL’s Net Profit Margin of 14.49% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

BSBR vs. PYPL: A comparison of their Net Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

BSBR

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

Operating Profit Margin data for BSBR is currently unavailable.

PYPL

18.17%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

PYPL’s Operating Profit Margin of 18.17% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

BSBR vs. PYPL: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	BSBR	PYPL
Return on Equity (TTM)	9.76%	23.09%
Return on Assets (TTM)	0.95%	5.74%
Net Profit Margin (TTM)	--	14.49%
Operating Profit Margin (TTM)	--	18.17%
Gross Profit Margin (TTM)	--	41.68%

Financial Strength

Current Ratio (MRQ)

BSBR

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PYPL

1.33

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BSBR vs. PYPL: A comparison of their Current Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BSBR

2.66

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

PYPL

0.56

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

BSBR vs. PYPL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

BSBR

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

PYPL

1,066.80

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

BSBR vs. PYPL: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Financial Strength at a Glance

Symbol	BSBR	PYPL
Current Ratio (MRQ)	--	1.33
Quick Ratio (MRQ)	--	1.28
Debt-to-Equity Ratio (MRQ)	2.66	0.56
Interest Coverage Ratio (TTM)	--	1,066.80

Growth

Revenue Growth

BSBR vs. PYPL: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BSBR vs. PYPL: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BSBR

6.82%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

With a Dividend Yield of 6.82%, BSBR offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

PYPL

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

PYPL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

BSBR vs. PYPL: A comparison of their Dividend Yield (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

BSBR

56.54%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BSBR’s Dividend Payout Ratio of 56.54% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

PYPL

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

PYPL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

BSBR vs. PYPL: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend at a Glance

Symbol	BSBR	PYPL
Dividend Yield (TTM)	6.82%	0.00%
Dividend Payout Ratio (TTM)	56.54%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BSBR

8.29

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BSBR’s P/E Ratio of 8.29 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

PYPL

13.89

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

PYPL’s P/E Ratio of 13.89 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

BSBR vs. PYPL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

BSBR

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

PYPL

2.01

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

BSBR vs. PYPL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

BSBR

0.90

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BSBR’s P/B Ratio of 0.90 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

PYPL

3.58

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

PYPL’s P/B Ratio of 3.58 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

BSBR vs. PYPL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	BSBR	PYPL
Price-to-Earnings Ratio (TTM)	8.29	13.89
Price-to-Sales Ratio (TTM)	--	2.01
Price-to-Book Ratio (MRQ)	0.90	3.58
Price-to-Free Cash Flow Ratio (TTM)	1.32	12.29