COF vs. PAYP: Capital One Financial vs. PayPay Stock Comparison

Company Profile

Capital One Financial (COF) and PayPay (PAYP) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while PAYP is classified in Financial Services.

Capital One Financial (COF) has been public since November 16, 1994, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Capital One Financial (COF) trades as ordinary local shares, while PayPay (PAYP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Both COF and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both Capital One Financial (COF) at 9.39% and PayPay (PAYP) at 18.80% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Capital One Financial (COF) at 22.23% and PayPay (PAYP) at 15.85% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both Capital One Financial (COF) at 37.83% and PayPay (PAYP) at 32.79% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while PayPay (PAYP) at 25.85% is closer to the peer norm — faster top-line expansion for COF.

PayPay (PAYP) at 230.06% delivers above-range EPS growth, while Capital One Financial (COF) at -65.23% falls into the bottom quartile — a wide split in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and PayPay (PAYP) 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-to-equity ratio is set aside for both: Capital One Financial (COF) in Financial Services and PayPay (PAYP) 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

Dividends

PayPay (PAYP) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a yield of 1.57%, ranking against industry peers normally.

PayPay (PAYP) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a payout of 19.61%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Capital One Financial (COF) at 12.37 and PayPay (PAYP) at 23.30 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while Capital One Financial (COF) at 2.48 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

Capital One Financial (COF) at 1.15 is valued about in line with its industry on P/B ratio, while PayPay (PAYP) at 3.75 carries an above-peer premium to book — PAYP is pricier on assets.

Valuation Metrics