PAYP vs. PYPL: PayPay vs. PayPal Stock Comparison

Company Profile

PayPay (PAYP) and PayPal (PYPL) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

PayPal (PYPL) has been public since July 6, 2015 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.

PayPal (PYPL) 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

PayPal (PYPL) is heavily traded at around 11.78M shares per day, whereas PayPay (PAYP) sees a more moderate 659.95K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

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

Risk-Adjusted Metrics

Profitability

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while PayPay (PAYP) at 18.80% is closer to the peer norm — stronger capital efficiency for PYPL.

Both PayPay (PAYP) at 15.85% and PayPal (PYPL) at 13.78% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both PayPay (PAYP) at 32.79% and PayPal (PYPL) at 18.41% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Both PayPay (PAYP) at 25.85% 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.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than PayPal (PYPL) at 35.59%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: PayPay (PAYP) 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-to-equity ratio is set aside for both: PayPay (PAYP) 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

Dividends

PayPay (PAYP) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PayPal (PYPL) reports a yield of 0.95%, 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 PayPal (PYPL) reports a payout of 10.69%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both PayPay (PAYP) at 23.30 and PayPal (PYPL) at 11.31 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while PayPal (PYPL) at 1.43 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

PayPal (PYPL) at 2.55 is valued about in line with its industry on P/B ratio, while PayPay (PAYP) at 3.75 carries an above-peer premium to book — PAYP is pricier on assets.

Valuation Metrics