COIN vs. PYPL: Coinbase Global vs. PayPal Stock Comparison

November 11, 2026

How do Coinbase Global (COIN) 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

Coinbase Global (COIN) and PayPal (PYPL) both fall under the Financial Services industry group, but COIN is classified in Capital Markets while PYPL is classified in Financial Services.

Company profile comparison for Coinbase Global (COIN) and PayPal (PYPL)
Profile Item	COIN	PYPL
Name	Coinbase Global Inc. Class A Common Stock	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	Financial Exchanges & Data	Transaction & Payment Processing Services
Market Capitalization	35.68 billion USD	49.21 billion USD
Currency	USD	USD
Exchange	Nasdaq	Nasdaq
Listing Date	April 14, 2021	July 6, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

COIN

PYPL

GSPC

Coinbase Global (COIN) vs. PayPal (PYPL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Coinbase Global (COIN) and PayPal (PYPL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Coinbase Global (COIN) and PayPal (PYPL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
Total Return (1Y)	-55.52%	-7.44%
Total Return (3Y, Annualized)	13.98%	4.14%
Total Return (5Y, Annualized)	-17.39%	-21.48%

Risk Profile

Drawdown History

COIN

PYPL

GSPC

Coinbase Global (COIN) vs. PayPal (PYPL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Coinbase Global (COIN) and PayPal (PYPL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Coinbase Global (COIN) carries a highly aggressive beta of 3.33, indicating much higher sensitivity to broad-market moves, whereas PayPal (PYPL) is closer to market-like at 1.28 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
Volatility (1Y, Annualized)	72.40%	42.40%
Beta (5Y)	3.33	1.28
Max Drawdown (5Y)	-90.90%	-81.84%
Avg. Volume (3M)	9.25M	11.78M

Risk-Adjusted Performance

Risk-Return Positioning

COIN and PYPL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
Sharpe Ratio (1Y)	-0.83	-0.28
Sortino Ratio (1Y)	-1.21	-0.37

Profitability

ROE (TTM)

Coinbase Global (COIN) reports a negative ROE of -4.68%; negative ROE can reflect losses or negative shareholders’ equity, so it is harder to read as capital efficiency. Meanwhile PayPal (PYPL) reports 23.83%, ranking against industry peers normally.

COIN

Financial Services industry group

-4.68%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
COIN: -4.68%
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%

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Coinbase Global (COIN) reports a negative net margin of -12.89%, usually indicating a net loss over the period. Meanwhile PayPal (PYPL) reports 13.78%, ranking against industry peers normally.

COIN

Financial Services industry group

-12.89%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
COIN: -12.89%
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%

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Coinbase Global (COIN) reports a negative operating margin of -1.42%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile PayPal (PYPL) reports 18.41%, ranking against industry peers normally.

COIN

Financial Services industry group

-1.42%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
COIN: -1.42%
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%

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
ROE (TTM)	-4.68%	23.83%
ROA (TTM)	0.01%	4.70%
Net Margin (TTM)	-12.89%	13.78%
Operating Margin (TTM)	-1.42%	18.41%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both Coinbase Global (COIN) at 9.40% 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.

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their Revenue Growth across different time periods.

EPS Growth

PayPal (PYPL) at 35.59% is around its peer norm for EPS growth, while Coinbase Global (COIN) at -53.06% drops into the bottom quartile, signaling weaker earnings momentum.

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
Revenue Growth (YoY)	9.40%	4.32%
Revenue Growth (3Y CAGR)	31.00%	6.43%
EPS Growth (YoY)	-53.06%	35.59%
EPS Growth (3Y CAGR)	--	37.30%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Coinbase Global (COIN) 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: Coinbase Global (COIN) 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

Financial strength metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Coinbase Global (COIN) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PayPal (PYPL) reports a yield of 0.95%, ranking against industry peers normally.

COIN

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
COIN: 0.00%
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%

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Coinbase Global (COIN) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PayPal (PYPL) reports a payout of 10.69%, ranking against industry peers normally.

COIN

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
COIN: 0.00%
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%

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
Dividend Yield (TTM)	0.00%	0.95%
Dividend Payout Ratio (TTM)	0.00%	10.69%

Valuation

P/E Ratio (TTM)

An earnings multiple is available for just one side: PayPal (PYPL) trades at 11.31 times trailing earnings, ranked against its peers, while Coinbase Global (COIN) has no P/E ratio this period.

COIN

Financial Services industry group

Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16
COIN: --

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

Coinbase Global (COIN) vs. PayPal (PYPL): COIN does not report P/E ratio, so it has no value marker; PYPL is benchmarked against the Financial Services industry group.

P/S Ratio (TTM)

PayPal (PYPL) at 1.43 is priced about in line with its industry on P/S ratio, while Coinbase Global (COIN) at 6.56 sits in the pricier quartile — COIN costs more per dollar of sales.

COIN

Financial Services industry group

6.56

Max: 9.23
COIN: 6.56
Q3: 4.57
Median: 2.72
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

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Coinbase Global (COIN) at 2.56 and PayPal (PYPL) at 2.55 are valued close to their industries’ norm against book — neither stands out from peers.

COIN

Financial Services industry group

2.56

Max: 7.79
Q3: 3.63
COIN: 2.56
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

Coinbase Global (COIN) vs. PayPal (PYPL): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Coinbase Global (COIN) and PayPal (PYPL)
Metric	COIN	PYPL
P/E Ratio (TTM)	--	11.31
P/S Ratio (TTM)	6.56	1.43
P/B Ratio (MRQ)	2.56	2.55
Free Cash Flow Yield (TTM)	--	--