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

Updated on October 3, 2025

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

Company Profile

KB trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, PYPL is a standard domestic listing.

Symbol	KB	PYPL
Company Name	KB Financial Group Inc.	PayPal Holdings, Inc.
Country	South Korea	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Financial Services
Market Capitalization	30.42 billion USD	64.30 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	November 13, 2001	July 6, 2015
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of KB 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.

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

Historical Performance at a Glance

Symbol	KB	PYPL
5-Day Price Return	0.17%	-0.12%
13-Week Price Return	4.24%	-11.46%
26-Week Price Return	41.03%	-3.19%
52-Week Price Return	8.71%	-14.57%
Month-to-Date Return	6.75%	-0.60%
Year-to-Date Return	39.32%	-21.90%
10-Day Avg. Volume	0.73M	15.32M
3-Month Avg. Volume	1.16M	10.98M
3-Month Volatility	37.67%	32.05%
Beta	-0.18	1.42

Profitability

Return on Equity (TTM)

KB

9.84%

Banks Industry

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

KB’s Return on Equity of 9.84% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

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.

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

Net Profit Margin (TTM)

KB

10.66%

Banks Industry

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

Falling into the lower quartile for the Banks industry, KB’s Net Profit Margin of 10.66% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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.

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

Operating Profit Margin (TTM)

KB

14.94%

Banks Industry

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

KB’s Operating Profit Margin of 14.94% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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.

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

Profitability at a Glance

Symbol	KB	PYPL
Return on Equity (TTM)	9.84%	23.09%
Return on Assets (TTM)	0.75%	5.74%
Net Profit Margin (TTM)	10.66%	14.49%
Operating Profit Margin (TTM)	14.94%	18.17%
Gross Profit Margin (TTM)	--	41.68%

Financial Strength

Current Ratio (MRQ)

KB

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.

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

Debt-to-Equity Ratio (MRQ)

KB

2.44

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.

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

Interest Coverage Ratio (TTM)

KB

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.

KB 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	KB	PYPL
Current Ratio (MRQ)	--	1.33
Quick Ratio (MRQ)	--	1.28
Debt-to-Equity Ratio (MRQ)	2.44	0.56
Interest Coverage Ratio (TTM)	--	1,066.80

Growth

Revenue Growth

KB 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

KB 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)

KB

2.93%

Banks Industry

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

KB’s Dividend Yield of 2.93% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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.

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

Dividend Payout Ratio (TTM)

KB

30.54%

Banks Industry

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

KB’s Dividend Payout Ratio of 30.54% 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.

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

Dividend at a Glance

Symbol	KB	PYPL
Dividend Yield (TTM)	2.93%	0.00%
Dividend Payout Ratio (TTM)	30.54%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

KB

7.34

Banks Industry

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

In the lower quartile for the Banks industry, KB’s P/E Ratio of 7.34 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

PYPL

13.56

Financial Services Industry

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

PYPL’s P/E Ratio of 13.56 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.

KB 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)

KB

0.52

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

1.96

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.

KB 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)

KB

0.71

Banks Industry

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

KB’s P/B Ratio of 0.71 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

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.

KB 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	KB	PYPL
Price-to-Earnings Ratio (TTM)	7.34	13.56
Price-to-Sales Ratio (TTM)	0.52	1.96
Price-to-Book Ratio (MRQ)	0.71	3.58
Price-to-Free Cash Flow Ratio (TTM)	11.83	11.99