IX vs. PAYP: ORIX vs. PayPay Stock Comparison

Company Profile

ORIX (IX) and PayPay (PAYP) both belong to the Financial Services industry, though IX is classified under Diversified Financial Services while PAYP falls under Transaction & Payment Processing Services.

ORIX (IX) has been public since September 16, 1998, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Both ORIX (IX) and PayPay (PAYP) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

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

Risk-Adjusted Metrics

Profitability

Both ORIX (IX) at 14.04% 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 ORIX (IX) at 17.94% 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 ORIX (IX) at 21.52% 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 ORIX (IX) at 18.57% 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 ORIX (IX) at 30.03%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: ORIX (IX) 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: ORIX (IX) 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 ORIX (IX) reports a yield of 435.55%, 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 ORIX (IX) reports a payout of 26.52%, ranking against industry peers normally.

Dividend Metrics

Valuation

ORIX (IX) at 9.68 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 IX, though growth and earnings durability still matter.

Both ORIX (IX) at 0.01 and PayPay (PAYP) at 0.02 fetch a relatively low price per dollar of sales, landing in the cheaper P/S ratio quartile of their industries.

ORIX (IX) at 1.28 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