DB vs. PAYP: Deutsche Bank vs. PayPay Stock Comparison

Company Profile

Deutsche Bank (DB) and PayPay (PAYP) both fall under the Financial Services industry group, but DB is classified in Capital Markets while PAYP is classified in Financial Services.

Deutsche Bank (DB) has been public since November 18, 1996, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Deutsche Bank (DB) 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 DB and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both Deutsche Bank (DB) at 8.98% 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 Deutsche Bank (DB) at 22.67% 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 Deutsche Bank (DB) at 33.58% 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

Both Deutsche Bank (DB) at 6.83% and PayPay (PAYP) at 25.85% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both companies show strong earnings momentum, but PayPay (PAYP) at 230.06% is the standout with EPS growth above its industry range; Deutsche Bank (DB) at 130.39% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Deutsche Bank (DB) 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: Deutsche Bank (DB) 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 Deutsche Bank (DB) reports a yield of 2.75%, 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 Deutsche Bank (DB) reports a payout of 30.04%, ranking against industry peers normally.

Dividend Metrics

Valuation

Deutsche Bank (DB) at 9.00 sits in the cheaper P/E ratio quartile, while PayPay (PAYP) at 23.30 is closer to its industry’s usual earnings multiple — a discount for DB, though growth and earnings durability still matter.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while Deutsche Bank (DB) at 2.11 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

Deutsche Bank (DB) at 0.72 looks cheap against book in the lower P/B ratio quartile, while PayPay (PAYP) at 3.75 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics