LPLA vs. PAYP: LPL Financial vs. PayPay Stock Comparison

Company Profile

LPL Financial (LPLA) and PayPay (PAYP) both fall under the Financial Services industry group, but LPLA is classified in Capital Markets while PAYP is classified in Financial Services.

LPL Financial (LPLA) has been public since November 18, 2010 with a meaningfully longer listed history, while PayPay (PAYP) only listed on March 12, 2026 — long-window metrics on the PAYP side should be interpreted with caution.

LPL Financial (LPLA) trades as ordinary local shares, while PayPay (PAYP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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

Risk-Adjusted Metrics

Profitability

LPL Financial (LPLA) at 25.66% sits in the top ROE quartile, while PayPay (PAYP) at 18.80% is closer to the peer norm — stronger capital efficiency for LPLA.

Both LPL Financial (LPLA) at 6.97% 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.

PayPay (PAYP) at 32.79% runs core operations around its industry’s norm, while LPL Financial (LPLA) at 10.85% operates in the bottom quartile.

Profitability Metrics

Growth

LPL Financial (LPLA) at 37.18% sits in the top revenue growth quartile, while PayPay (PAYP) at 25.85% is closer to the peer norm — faster top-line expansion for LPLA.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than LPL Financial (LPLA) at -22.17%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: LPL Financial (LPLA) 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: LPL Financial (LPLA) 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 LPL Financial (LPLA) reports a yield of 0.40%, 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 LPL Financial (LPLA) reports a payout of 6.88%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both LPL Financial (LPLA) at 16.93 and PayPay (PAYP) at 23.30 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Both LPL Financial (LPLA) at 1.15 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.

Both LPL Financial (LPLA) at 3.98 and PayPay (PAYP) at 3.75 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics