IBKR vs. PAYP: Interactive Brokers vs. PayPay Stock Comparison

Company Profile

Interactive Brokers (IBKR) and PayPay (PAYP) both fall under the Financial Services industry group, but IBKR is classified in Capital Markets while PAYP is classified in Financial Services.

Interactive Brokers (IBKR) has been public since May 4, 2007 with a meaningfully longer listed history, while PayPay (PAYP) only listed on March 12, 2026 — long-window metrics on the PAYP side should be interpreted with caution.

Interactive Brokers (IBKR) 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

Interactive Brokers (IBKR) has an aggressive beta of 1.37, indicating higher sensitivity to broad-market moves, while PayPay (PAYP) is defensive at 0.24 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Both IBKR and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Interactive Brokers (IBKR) at 23.67% sits in the top ROE quartile, while PayPay (PAYP) at 18.80% is closer to the peer norm — stronger capital efficiency for IBKR.

Both Interactive Brokers (IBKR) at 16.68% 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.

Interactive Brokers (IBKR) at 77.70% operates in the top operating margin quartile, ahead of PayPay (PAYP) at 32.79%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both Interactive Brokers (IBKR) at 9.73% 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.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than Interactive Brokers (IBKR) at 28.14%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Interactive Brokers (IBKR) 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: Interactive Brokers (IBKR) 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 Interactive Brokers (IBKR) reports a yield of 0.46%, 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 Interactive Brokers (IBKR) reports a payout of 12.79%, ranking against industry peers normally.

Dividend Metrics

Valuation

PayPay (PAYP) at 23.30 is near its industry’s usual P/E ratio, while Interactive Brokers (IBKR) at 28.94 sits in the richer quartile — IBKR needs stronger growth or earnings quality to justify the premium.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while Interactive Brokers (IBKR) at 18.30 prices above its industry range — a wide gap in sales valuation between them.

Both Interactive Brokers (IBKR) at 5.53 and PayPay (PAYP) at 3.75 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics