GPN vs. PAYP: Global Payments vs. PayPay Stock Comparison

Company Profile

Global Payments (GPN) and PayPay (PAYP) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Global Payments (GPN) has been public since January 16, 2001, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Global Payments (GPN) 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 GPN and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

PayPay (PAYP) at 18.80% is around its peer norm for ROE, while Global Payments (GPN) at 0.84% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Global Payments (GPN) reports a negative net margin of -11.21%, usually indicating a net loss over the period. Meanwhile PayPay (PAYP) reports 15.85%, ranking against industry peers normally.

Both Global Payments (GPN) at 15.73% 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

PayPay (PAYP) at 25.85% is around its peer norm for revenue growth, while Global Payments (GPN) at -0.39% drops into the bottom quartile, signaling weaker demand or pricing momentum.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than Global Payments (GPN) at -6.17%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Global Payments (GPN) 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: Global Payments (GPN) 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 Global Payments (GPN) reports a yield of 1.05%, ranking against industry peers normally.

Global Payments (GPN) reports payout ratio above 100% at 178.57%, meaning dividends exceeded current-period earnings; PayPay (PAYP) pays no dividend (payout 0.00%).

Dividend Metrics

Valuation

PayPay (PAYP) at 23.30 is near its industry’s usual P/E ratio, while Global Payments (GPN) at 173.93 sits above its peer range — an unusually expensive price for GPN’s trailing earnings.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while Global Payments (GPN) at 2.24 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

Global Payments (GPN) at 1.11 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