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.
| Profile Item | IX | PYPL |
|---|---|---|
| Name | ORIX Corporation Sponsored ADR | PayPal Holdings, Inc. |
| Country/Region | Japan | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Financial Services |
| GICS Sub-Industry | Diversified Financial Services | Transaction & Payment Processing Services |
| Market Capitalization | 37.30 billion USD | 49.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | September 16, 1998 | July 6, 2015 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | IX | PYPL |
|---|---|---|
| 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
Return Distribution
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.
| Metric | IX | PYPL |
|---|---|---|
| Volatility (1Y, Annualized) | 29.12% | 42.40% |
| Beta (5Y) | 0.94 | 1.28 |
| Max Drawdown (5Y) | -38.99% | -81.84% |
| Avg. Volume (3M) | 317.58K | 11.78M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | IX | PYPL |
|---|---|---|
| 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%
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%
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%
Profitability Metrics
| Metric | IX | PYPL |
|---|---|---|
| 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.
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.
Growth Metrics
| Metric | IX | PYPL |
|---|---|---|
| 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
| Metric | IX | PYPL |
|---|---|---|
| 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%
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%
Dividend Metrics
| Metric | IX | PYPL |
|---|---|---|
| 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
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
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
Valuation Metrics
| Metric | IX | PYPL |
|---|---|---|
| P/E Ratio (TTM) | 9.68 | 11.31 |
| P/S Ratio (TTM) | 0.01 | 1.43 |
| P/B Ratio (MRQ) | 1.28 | 2.55 |
| Free Cash Flow Yield (TTM) | -- | -- |