MCO vs. PAYP: Moody's vs. PayPay Stock Comparison

Company Profile

Moody's (MCO) and PayPay (PAYP) both fall under the Financial Services industry group, but MCO is classified in Capital Markets while PAYP is classified in Financial Services.

Moody's (MCO) has been public since October 31, 1994, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Moody's (MCO) 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 MCO and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Moody's (MCO) at 76.74% clears its industry range for ROE, a sharper capital-efficiency signal than PayPay (PAYP) at 18.80%, which is closer to a typical peer reading.

Moody's (MCO) at 35.26% retains a top-quartile share of revenue as profit, ahead of PayPay (PAYP) at 15.85%, which keeps about the industry-typical share.

Both Moody's (MCO) at 46.27% and PayPay (PAYP) at 32.79% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Both Moody's (MCO) at 8.89% and PayPay (PAYP) at 25.85% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than Moody's (MCO) at 21.40%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Moody's (MCO) 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: Moody's (MCO) 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 Moody's (MCO) reports a yield of 0.78%, 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 Moody's (MCO) reports a payout of 24.59%, ranking against industry peers normally.

Dividend Metrics

Valuation

PayPay (PAYP) at 23.30 is near its industry’s usual P/E ratio, while Moody's (MCO) at 30.85 sits in the richer quartile — MCO needs stronger growth or earnings quality to justify the premium.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while Moody's (MCO) at 10.66 prices above its industry range — a wide gap in sales valuation between them.

Both look rich against book: PayPay (PAYP) at 3.75 sits in the upper P/B ratio quartile, and Moody's (MCO) at 26.68 prices even higher, above its industry range.

Valuation Metrics