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IX vs. PYPL: ORIX vs. PayPal Stock Comparison

How do ORIX (IX) 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

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

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

Company profile comparison for ORIX (IX) and PayPal (PYPL)
Profile ItemIXPYPL
NameORIX Corporation Sponsored ADRPayPal Holdings, Inc.
Country/RegionJapanUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryDiversified Financial ServicesTransaction & Payment Processing Services
Market Capitalization37.30 billion USD49.21 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateSeptember 16, 1998July 6, 2015
Security TypeADRCommon Stock

Price Performance

Cumulative Growth

IX
PYPL
GSPC
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ORIX (IX) 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 ORIX (IX) and PayPal (PYPL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for ORIX (IX) and PayPal (PYPL)
MetricIXPYPL
Total Return (1Y)37.72%-7.44%
Total Return (3Y, Annualized)27.79%4.14%
Total Return (5Y, Annualized)12.59%-21.48%

Risk Profile

Drawdown History

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

Risk Metrics

PayPal (PYPL) is heavily traded at around 11.78M shares per day, whereas ORIX (IX) sees a more moderate 317.58K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk profile metrics for ORIX (IX) and PayPal (PYPL)
MetricIXPYPL
Volatility (1Y, Annualized)29.12%42.40%
Beta (5Y)0.941.28
Max Drawdown (5Y)-38.99%-81.84%
Avg. Volume (3M)317.58K11.78M

Risk-Adjusted Performance

Risk-Return Positioning

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IX 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 ORIX (IX) and PayPal (PYPL)
MetricIXPYPL
Sharpe Ratio (1Y)1.15-0.28
Sortino Ratio (1Y)1.77-0.37

Profitability

ROE (TTM)

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while ORIX (IX) at 14.04% is closer to the peer norm — stronger capital efficiency for PYPL.

IX

Financial Services industry group

14.04%

Max
44.78%
Q3
21.85%
IX
14.04%
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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ORIX (IX) vs. PayPal (PYPL): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both ORIX (IX) at 17.94% and PayPal (PYPL) at 13.78% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

IX

Financial Services industry group

17.94%

Max
62.84%
Q3
28.05%
IX
17.94%
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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ORIX (IX) vs. PayPal (PYPL): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both ORIX (IX) at 21.52% and PayPal (PYPL) at 18.41% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

IX

Financial Services industry group

21.52%

Max
107.33%
Q3
55.90%
Median
30.09%
IX
21.52%
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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ORIX (IX) vs. PayPal (PYPL): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for ORIX (IX) and PayPal (PYPL)
MetricIXPYPL
ROE (TTM)14.04%23.83%
ROA (TTM)2.65%4.70%
Net Margin (TTM)17.94%13.78%
Operating Margin (TTM)21.52%18.41%
Gross Margin (TTM)----

Growth

Revenue Growth

Both ORIX (IX) at 18.57% and PayPal (PYPL) at 4.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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

EPS Growth

Both ORIX (IX) at 30.03% and PayPal (PYPL) at 35.59% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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

Growth Metrics

Growth metrics for ORIX (IX) and PayPal (PYPL)
MetricIXPYPL
Revenue Growth (YoY)18.57%4.32%
Revenue Growth (3Y CAGR)9.97%6.43%
EPS Growth (YoY)30.03%35.59%
EPS Growth (3Y CAGR)20.02%37.30%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

PayPal (PYPL) at 0.95% pays an industry-typical yield; ORIX (IX) at 435.55% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

IX

Financial Services industry group

435.55%

IX
435.55%
Max
9.77%
Q3
3.92%
Median
1.09%
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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ORIX (IX) vs. PayPal (PYPL): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both ORIX (IX) at 26.52% 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.

IX

Financial Services industry group

26.52%

Max
241.07%
Q3
97.36%
IX
26.52%
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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ORIX (IX) vs. PayPal (PYPL): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for ORIX (IX) and PayPal (PYPL)
MetricIXPYPL
Dividend Yield (TTM)435.55%0.95%
Dividend Payout Ratio (TTM)26.52%10.69%

Valuation

P/E Ratio (TTM)

ORIX (IX) at 9.68 sits in the cheaper P/E ratio quartile, while PayPal (PYPL) at 11.31 is closer to its industry’s usual earnings multiple — a discount for IX, though growth and earnings durability still matter.

IX

Financial Services industry group

9.68

Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
IX
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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ORIX (IX) vs. PayPal (PYPL): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

ORIX (IX) at 0.01 sits in the cheaper P/S ratio quartile while PayPal (PYPL) at 1.43 prices around its industry’s middle — IX costs less per dollar of sales, though read it alongside growth and margins.

IX

Financial Services industry group

0.01

Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
IX
0.01
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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ORIX (IX) 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 ORIX (IX) at 1.28 and PayPal (PYPL) at 2.55 are valued close to their industries’ norm against book — neither stands out from peers.

IX

Financial Services industry group

1.28

Max
7.79
Q3
3.63
Median
1.57
IX
1.28
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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ORIX (IX) vs. PayPal (PYPL): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for ORIX (IX) and PayPal (PYPL)
MetricIXPYPL
P/E Ratio (TTM)9.6811.31
P/S Ratio (TTM)0.011.43
P/B Ratio (MRQ)1.282.55
Free Cash Flow Yield (TTM)----