MCO vs. PYPL: Moody's vs. PayPal Stock Comparison
How do Moody's (MCO) 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
Moody's (MCO) and PayPal (PYPL) both fall under the Financial Services industry group, but MCO is classified in Capital Markets while PYPL is classified in Financial Services.
| Profile Item | MCO | PYPL |
|---|---|---|
| Name | Moody's Corporation | PayPal Holdings, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Financial Exchanges & Data | Transaction & Payment Processing Services |
| Market Capitalization | 87.19 billion USD | 49.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | October 31, 1994 | July 6, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | MCO | PYPL |
|---|---|---|
| Total Return (1Y) | 5.02% | -7.44% |
| Total Return (3Y, Annualized) | 15.27% | 4.14% |
| Total Return (5Y, Annualized) | 6.21% | -21.48% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
PayPal (PYPL) is heavily traded at around 11.78M shares per day, whereas Moody's (MCO) sees a more moderate 817.57K — larger orders in the latter may require more patience and tighter control over order sizing.
| Metric | MCO | PYPL |
|---|---|---|
| Volatility (1Y, Annualized) | 28.61% | 42.40% |
| Beta (5Y) | 1.28 | 1.28 |
| Max Drawdown (5Y) | -40.93% | -81.84% |
| Avg. Volume (3M) | 817.57K | 11.78M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | MCO | PYPL |
|---|---|---|
| Sharpe Ratio (1Y) | 0.03 | -0.28 |
| Sortino Ratio (1Y) | 0.04 | -0.37 |
Profitability
ROE (TTM)
Both companies show strong equity returns, but Moody's (MCO) at 76.74% is the standout with ROE above its industry range; PayPal (PYPL) at 23.83% also sits in the top quartile.
MCO
Financial Services industry group
76.74%
- MCO
- 76.74%
- Max
- 44.78%
- Q3
- 21.85%
- 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)
Moody's (MCO) at 35.26% retains a top-quartile share of revenue as profit, ahead of PayPal (PYPL) at 13.78%, which keeps about the industry-typical share.
MCO
Financial Services industry group
35.26%
- Max
- 62.84%
- MCO
- 35.26%
- Q3
- 28.05%
- 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 Moody's (MCO) at 46.27% and PayPal (PYPL) at 18.41% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
MCO
Financial Services industry group
46.27%
- Max
- 107.33%
- Q3
- 55.90%
- MCO
- 46.27%
- Median
- 30.09%
- 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 | MCO | PYPL |
|---|---|---|
| ROE (TTM) | 76.74% | 23.83% |
| ROA (TTM) | 15.56% | 4.70% |
| Net Margin (TTM) | 35.26% | 13.78% |
| Operating Margin (TTM) | 46.27% | 18.41% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Moody's (MCO) at 8.89% 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 Moody's (MCO) at 21.40% 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 | MCO | PYPL |
|---|---|---|
| Revenue Growth (YoY) | 8.89% | 4.32% |
| Revenue Growth (3Y CAGR) | 12.17% | 6.43% |
| EPS Growth (YoY) | 21.40% | 35.59% |
| EPS Growth (3Y CAGR) | 22.48% | 37.30% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Moody's (MCO) 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: Moody's (MCO) 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 | MCO | PYPL |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Moody's (MCO) at 0.78% and PayPal (PYPL) at 0.95% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
MCO
Financial Services industry group
0.78%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- MCO
- 0.78%
- 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 Moody's (MCO) at 24.59% 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.
MCO
Financial Services industry group
24.59%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- MCO
- 24.59%
- 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 | MCO | PYPL |
|---|---|---|
| Dividend Yield (TTM) | 0.78% | 0.95% |
| Dividend Payout Ratio (TTM) | 24.59% | 10.69% |
Valuation
P/E Ratio (TTM)
PayPal (PYPL) at 11.31 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.
MCO
Financial Services industry group
30.85
- Max
- 45.85
- MCO
- 30.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 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)
PayPal (PYPL) at 1.43 prices around its industry’s typical P/S ratio, while Moody's (MCO) at 10.66 clears its benchmark range — MCO looks notably rich on sales.
MCO
Financial Services industry group
10.66
- MCO
- 10.66
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- 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)
PayPal (PYPL) at 2.55 sits near its industry’s typical P/B ratio, while Moody's (MCO) at 26.68 prices above its benchmark range — MCO looks rich relative to book.
MCO
Financial Services industry group
26.68
- MCO
- 26.68
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- 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 | MCO | PYPL |
|---|---|---|
| P/E Ratio (TTM) | 30.85 | 11.31 |
| P/S Ratio (TTM) | 10.66 | 1.43 |
| P/B Ratio (MRQ) | 26.68 | 2.55 |
| Free Cash Flow Yield (TTM) | -- | -- |