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

Updated on October 3, 2025

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

Company Profile

FUTU 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	FUTU	PYPL
Company Name	Futu Holdings Limited	PayPal Holdings, Inc.
Country	Hong Kong	United States
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Financial Services
Market Capitalization	24.07 billion USD	64.30 billion USD
Exchange	NasdaqGM	NasdaqGS
Listing Date	March 8, 2019	July 6, 2015
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of FUTU 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.

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

Historical Performance at a Glance

Symbol	FUTU	PYPL
5-Day Price Return	-1.45%	-0.12%
13-Week Price Return	40.72%	-11.46%
26-Week Price Return	61.76%	-3.19%
52-Week Price Return	102.98%	-14.57%
Month-to-Date Return	-6.30%	-0.60%
Year-to-Date Return	117.41%	-21.90%
10-Day Avg. Volume	2.88M	15.32M
3-Month Avg. Volume	2.41M	10.98M
3-Month Volatility	51.60%	32.05%
Beta	0.52	1.42

Profitability

Return on Equity (TTM)

FUTU

26.37%

Capital Markets Industry

Max: 38.97%
Q3: 22.24%
Median: 13.52%
Q1: 8.61%
Min: -4.25%

In the upper quartile for the Capital Markets industry, FUTU’s Return on Equity of 26.37% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

PYPL

23.09%

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

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.

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

Net Profit Margin (TTM)

FUTU

40.05%

Capital Markets Industry

Max: 69.91%
Q3: 37.24%
Median: 24.30%
Q1: 13.06%
Min: -15.18%

A Net Profit Margin of 40.05% places FUTU in the upper quartile for the Capital Markets industry, signifying strong profitability and more effective cost management than most of its peers.

PYPL

14.49%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

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.

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

Operating Profit Margin (TTM)

FUTU

48.72%

Capital Markets Industry

Max: 84.86%
Q3: 47.16%
Median: 32.23%
Q1: 18.65%
Min: -21.87%

An Operating Profit Margin of 48.72% places FUTU in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

PYPL

18.17%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

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.

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

Profitability at a Glance

Symbol	FUTU	PYPL
Return on Equity (TTM)	26.37%	23.09%
Return on Assets (TTM)	4.65%	5.74%
Net Profit Margin (TTM)	40.05%	14.49%
Operating Profit Margin (TTM)	48.72%	18.17%
Gross Profit Margin (TTM)	82.01%	41.68%

Financial Strength

Current Ratio (MRQ)

FUTU

1.18

Capital Markets Industry

Max: 3.37
Q3: 1.81
Median: 1.01
Q1: 0.56
Min: 0.04

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

PYPL

1.33

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
Q1: 0.86
Min: 0.01

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

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

Debt-to-Equity Ratio (MRQ)

FUTU

0.28

Capital Markets Industry

Max: 6.52
Q3: 2.79
Median: 0.96
Q1: 0.28
Min: 0.00

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

PYPL

0.56

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
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.

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

Interest Coverage Ratio (TTM)

FUTU

4,725.16

Capital Markets Industry

Max: 107.59
Q3: 48.41
Median: 10.85
Q1: 4.56
Min: -36.26

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

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

Financial Strength at a Glance

Symbol	FUTU	PYPL
Current Ratio (MRQ)	1.18	1.33
Quick Ratio (MRQ)	1.18	1.28
Debt-to-Equity Ratio (MRQ)	0.28	0.56
Interest Coverage Ratio (TTM)	4,725.16	1,066.80

Growth

Revenue Growth

FUTU 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

FUTU 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)

FUTU

0.00%

Capital Markets Industry

Max: 9.02%
Q3: 4.54%
Median: 2.55%
Q1: 1.27%
Min: 0.00%

FUTU 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.

PYPL

0.00%

Financial Services Industry

Max: 8.12%
Q3: 3.37%
Median: 1.70%
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.

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

Dividend Payout Ratio (TTM)

FUTU

0.00%

Capital Markets Industry

Max: 199.38%
Q3: 99.28%
Median: 60.67%
Q1: 32.00%
Min: 0.00%

FUTU 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.

PYPL

0.00%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
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.

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

Dividend at a Glance

Symbol	FUTU	PYPL
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

FUTU

23.82

Capital Markets Industry

Max: 51.69
Q3: 29.42
Median: 17.58
Q1: 12.55
Min: 5.59

FUTU’s P/E Ratio of 23.82 is within the middle range for the Capital Markets 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

13.56

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

PYPL’s P/E Ratio of 13.56 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.

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

Price-to-Sales Ratio (TTM)

FUTU

13.87

Capital Markets Industry

Max: 14.65
Q3: 7.29
Median: 4.53
Q1: 2.26
Min: 0.04

FUTU’s P/S Ratio of 13.87 is in the upper echelon for the Capital Markets industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

PYPL

1.96

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

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

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

Price-to-Book Ratio (MRQ)

FUTU

2.74

Capital Markets Industry

Max: 10.83
Q3: 5.12
Median: 2.66
Q1: 1.19
Min: 0.37

FUTU’s P/B Ratio of 2.74 is within the conventional range for the Capital Markets 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: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

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.

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

Valuation at a Glance

Symbol	FUTU	PYPL
Price-to-Earnings Ratio (TTM)	23.82	13.56
Price-to-Sales Ratio (TTM)	13.87	1.96
Price-to-Book Ratio (MRQ)	2.74	3.58
Price-to-Free Cash Flow Ratio (TTM)	9.23	11.99