JPM vs. PYPL: A Head-to-Head Stock Comparison

Updated on October 5, 2025

Here’s a clear look at JPM and PYPL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	JPM	PYPL
Company Name	JPMorgan Chase & Co.	PayPal Holdings, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Financial Services
Market Capitalization	852.51 billion USD	66.16 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	March 17, 1980	July 6, 2015
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of JPM and PYPL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

JPM vs. PYPL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	JPM	PYPL
5-Day Price Return	-1.79%	-0.62%
13-Week Price Return	4.74%	-9.58%
26-Week Price Return	26.39%	6.13%
52-Week Price Return	49.56%	-10.58%
Month-to-Date Return	-1.71%	3.27%
Year-to-Date Return	29.34%	-18.86%
10-Day Avg. Volume	7.89M	14.48M
3-Month Avg. Volume	8.32M	11.09M
3-Month Volatility	17.07%	32.57%
Beta	1.10	1.42

Profitability

Return on Equity (TTM)

JPM

16.16%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

In the upper quartile for the Banks industry, JPM’s Return on Equity of 16.16% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

PYPL

23.09%

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

In the upper quartile for the Financial Services industry, PYPL’s Return on Equity of 23.09% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

JPM vs. PYPL: A comparison of their Return on Equity (TTM) against their respective Banks and Financial Services industry benchmarks.

Net Profit Margin (TTM)

JPM

33.26%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

JPM’s Net Profit Margin of 33.26% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

PYPL

14.49%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

PYPL’s Net Profit Margin of 14.49% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

JPM vs. PYPL: A comparison of their Net Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

JPM

41.23%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

JPM’s Operating Profit Margin of 41.23% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

PYPL

18.17%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

PYPL’s Operating Profit Margin of 18.17% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

JPM vs. PYPL: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	JPM	PYPL
Return on Equity (TTM)	16.16%	23.09%
Return on Assets (TTM)	1.32%	5.74%
Net Profit Margin (TTM)	33.26%	14.49%
Operating Profit Margin (TTM)	41.23%	18.17%
Gross Profit Margin (TTM)	--	41.68%

Financial Strength

Current Ratio (MRQ)

JPM

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PYPL

1.33

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
Q1: 0.86
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

JPM vs. PYPL: A comparison of their Current Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

JPM

3.03

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

PYPL

0.56

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

JPM vs. PYPL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

JPM

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

PYPL

1,066.80

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

JPM vs. PYPL: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Financial Strength at a Glance

Symbol	JPM	PYPL
Current Ratio (MRQ)	--	1.33
Quick Ratio (MRQ)	--	1.28
Debt-to-Equity Ratio (MRQ)	3.03	0.56
Interest Coverage Ratio (TTM)	--	1,066.80

Growth

Revenue Growth

JPM vs. PYPL: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

JPM vs. PYPL: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

JPM

1.83%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

JPM’s Dividend Yield of 1.83% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

PYPL

0.00%

Financial Services Industry

Max: 8.12%
Q3: 3.37%
Median: 1.70%
Q1: 0.00%
Min: 0.00%

PYPL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

JPM vs. PYPL: A comparison of their Dividend Yield (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

JPM

27.49%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

JPM’s Dividend Payout Ratio of 27.49% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

PYPL

0.00%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
Q1: 0.00%
Min: 0.00%

PYPL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

JPM vs. PYPL: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend at a Glance

Symbol	JPM	PYPL
Dividend Yield (TTM)	1.83%	0.00%
Dividend Payout Ratio (TTM)	27.49%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

JPM

15.06

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

A P/E Ratio of 15.06 places JPM in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

PYPL

14.18

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

PYPL’s P/E Ratio of 14.18 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

JPM vs. PYPL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

JPM

2.90

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

PYPL

2.05

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

JPM vs. PYPL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

JPM

2.26

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

At 2.26, JPM’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

PYPL

3.58

Financial Services Industry

Max: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

PYPL’s P/B Ratio of 3.58 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

JPM vs. PYPL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	JPM	PYPL
Price-to-Earnings Ratio (TTM)	15.06	14.18
Price-to-Sales Ratio (TTM)	2.90	2.05
Price-to-Book Ratio (MRQ)	2.26	3.58
Price-to-Free Cash Flow Ratio (TTM)	4.80	12.54