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

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

Company Profile

SymbolMFCPYPL
Company NameManulife Financial CorporationPayPal Holdings, Inc.
CountryCanadaUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceFinancial Services
Market Capitalization53.29 billion USD64.30 billion USD
ExchangeNYSENasdaqGS
Listing DateSeptember 24, 1999July 6, 2015
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MFC 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.

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

Historical Performance at a Glance

SymbolMFCPYPL
5-Day Price Return0.72%-0.12%
13-Week Price Return-1.07%-11.46%
26-Week Price Return-2.45%-3.19%
52-Week Price Return8.48%-14.57%
Month-to-Date Return2.63%-0.60%
Year-to-Date Return-1.81%-21.90%
10-Day Avg. Volume5.87M15.32M
3-Month Avg. Volume7.23M10.98M
3-Month Volatility18.57%32.05%
Beta0.391.42

Profitability

Return on Equity (TTM)

MFC

11.91%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

MFC’s Return on Equity of 11.91% is on par with the norm for the Insurance 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.

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

Net Profit Margin (TTM)

MFC

15.67%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

A Net Profit Margin of 15.67% places MFC in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

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.

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

Operating Profit Margin (TTM)

MFC

19.19%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

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.

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

Profitability at a Glance

SymbolMFCPYPL
Return on Equity (TTM)11.91%23.09%
Return on Assets (TTM)0.62%5.74%
Net Profit Margin (TTM)15.67%14.49%
Operating Profit Margin (TTM)19.19%18.17%
Gross Profit Margin (TTM)--41.68%

Financial Strength

Current Ratio (MRQ)

MFC

1.14

Insurance Industry

Max
2.97
Q3
1.37
Median
0.54
Q1
0.15
Min
0.00

For the Insurance 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.

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

Debt-to-Equity Ratio (MRQ)

MFC

0.27

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.23
Min
0.00

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

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

Interest Coverage Ratio (TTM)

MFC

-0.31

Insurance Industry

Max
43.68
Q3
21.45
Median
9.67
Q1
3.55
Min
-5.73

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

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

Financial Strength at a Glance

SymbolMFCPYPL
Current Ratio (MRQ)1.141.33
Quick Ratio (MRQ)1.141.28
Debt-to-Equity Ratio (MRQ)0.270.56
Interest Coverage Ratio (TTM)-0.311,066.80

Growth

Revenue Growth

MFC 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

MFC 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)

MFC

4.38%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

MFC’s Dividend Yield of 4.38% is consistent with its peers in the Insurance 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.

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

Dividend Payout Ratio (TTM)

MFC

53.26%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
Min
0.00%

MFC’s Dividend Payout Ratio of 53.26% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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.

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

Dividend at a Glance

SymbolMFCPYPL
Dividend Yield (TTM)4.38%0.00%
Dividend Payout Ratio (TTM)53.26%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

MFC

12.17

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

MFC’s P/E Ratio of 12.17 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

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.

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

Price-to-Sales Ratio (TTM)

MFC

1.91

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

MFC’s P/S Ratio of 1.91 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

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.

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

Price-to-Book Ratio (MRQ)

MFC

1.48

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

MFC’s P/B Ratio of 1.48 is within the conventional range for the Insurance 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.

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.

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

Valuation at a Glance

SymbolMFCPYPL
Price-to-Earnings Ratio (TTM)12.1713.56
Price-to-Sales Ratio (TTM)1.911.96
Price-to-Book Ratio (MRQ)1.483.58
Price-to-Free Cash Flow Ratio (TTM)2.5711.99