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FUTU vs. PYPL: Futu vs. PayPal Stock Comparison

How do Futu (FUTU) 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

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

PayPal (PYPL) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Futu (FUTU) and PayPal (PYPL)
Profile ItemFUTUPYPL
NameFutu Holdings Ltd. ADRPayPal Holdings, Inc.
Country/RegionHong KongUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryCapital MarketsFinancial Services
GICS Sub-IndustryInvestment Banking & BrokerageTransaction & Payment Processing Services
Market Capitalization13.75 billion USD49.21 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateMarch 8, 2019July 6, 2015
Security TypeADRCommon Stock

Price Performance

Cumulative Growth

FUTU
PYPL
GSPC
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Futu (FUTU) 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 Futu (FUTU) and PayPal (PYPL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
Total Return (1Y)-45.15%-7.44%
Total Return (3Y, Annualized)22.02%4.14%
Total Return (5Y, Annualized)13.70%-21.48%

Risk Profile

Drawdown History

FUTU
PYPL
GSPC
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Futu (FUTU) 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 Futu (FUTU) and PayPal (PYPL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
Volatility (1Y, Annualized)59.94%42.40%
Beta (5Y)0.681.28
Max Drawdown (5Y)-60.17%-81.84%
Avg. Volume (3M)1.18M11.78M

Risk-Adjusted Performance

Risk-Return Positioning

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FUTU 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 Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
Sharpe Ratio (1Y)-0.82-0.28
Sortino Ratio (1Y)-1.10-0.37

Profitability

ROE (TTM)

Both Futu (FUTU) at 30.52% and PayPal (PYPL) at 23.83% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

FUTU

Financial Services industry group

30.52%

Max
44.78%
FUTU
30.52%
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%
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Futu (FUTU) vs. PayPal (PYPL): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Futu (FUTU) at 46.20% retains a top-quartile share of revenue as profit, ahead of PayPal (PYPL) at 13.78%, which keeps about the industry-typical share.

FUTU

Financial Services industry group

46.20%

Max
62.84%
FUTU
46.20%
Q3
28.05%
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%
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Futu (FUTU) vs. PayPal (PYPL): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of PayPal (PYPL) at 18.41%, which runs around its industry’s norm.

FUTU

Financial Services industry group

66.75%

Max
107.33%
FUTU
66.75%
Q3
55.90%
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%
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Futu (FUTU) vs. PayPal (PYPL): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
ROE (TTM)30.52%23.83%
ROA (TTM)4.51%4.70%
Net Margin (TTM)46.20%13.78%
Operating Margin (TTM)66.75%18.41%
Gross Margin (TTM)----

Growth

Revenue Growth

Futu (FUTU) at 68.11% clears its industry range for revenue growth, far stronger top-line momentum than PayPal (PYPL) at 4.32%, which is closer to a typical peer reading.

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Futu (FUTU) vs. PayPal (PYPL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Futu (FUTU) at 106.38% sits in the top EPS growth quartile, while PayPal (PYPL) at 35.59% is closer to the peer norm — faster per-share earnings growth for FUTU.

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Futu (FUTU) vs. PayPal (PYPL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
Revenue Growth (YoY)68.11%4.32%
Revenue Growth (3Y CAGR)44.24%6.43%
EPS Growth (YoY)106.38%35.59%
EPS Growth (3Y CAGR)58.06%37.30%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Futu (FUTU) 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: Futu (FUTU) 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 Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Futu (FUTU) 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.

FUTU

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
FUTU
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%
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Futu (FUTU) vs. PayPal (PYPL): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Futu (FUTU) at 25.80% 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.

FUTU

Financial Services industry group

25.80%

Max
241.07%
Q3
97.36%
FUTU
25.80%
Median
25.77%
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%
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Futu (FUTU) vs. PayPal (PYPL): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
Dividend Yield (TTM)0.00%0.95%
Dividend Payout Ratio (TTM)25.80%10.69%

Valuation

P/E Ratio (TTM)

Both Futu (FUTU) at 9.73 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.

FUTU

Financial Services industry group

9.73

Max
45.85
Q3
24.64
Median
15.37
FUTU
9.73
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
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Futu (FUTU) vs. PayPal (PYPL): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Futu (FUTU) at 0.57 sits in the cheaper P/S ratio quartile while PayPal (PYPL) at 1.43 prices around its industry’s middle — FUTU costs less per dollar of sales, though read it alongside growth and margins.

FUTU

Financial Services industry group

0.57

Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
FUTU
0.57
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
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Futu (FUTU) 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 Futu (FUTU) at 2.75 and PayPal (PYPL) at 2.55 are valued close to their industries’ norm against book — neither stands out from peers.

FUTU

Financial Services industry group

2.75

Max
7.79
Q3
3.63
FUTU
2.75
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
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Futu (FUTU) vs. PayPal (PYPL): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Futu (FUTU) and PayPal (PYPL)
MetricFUTUPYPL
P/E Ratio (TTM)9.7311.31
P/S Ratio (TTM)0.571.43
P/B Ratio (MRQ)2.752.55
Free Cash Flow Yield (TTM)----