PAYP vs. RJF: PayPay vs. Raymond James Financial Stock Comparison

Company Profile

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

Raymond James Financial (RJF) has been public since July 1, 1983, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Raymond James Financial (RJF) 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 PAYP and RJF need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both PayPay (PAYP) at 18.80% and Raymond James Financial (RJF) at 18.73% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both PayPay (PAYP) at 15.85% and Raymond James Financial (RJF) at 14.97% 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 Raymond James Financial (RJF) at 20.88% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Only one side can be read here: PayPay (PAYP) reports revenue growth of 25.85%, ranked against its industry; Raymond James Financial (RJF) has no revenue growth figure this period.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than Raymond James Financial (RJF) at 15.63%, 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 Raymond James Financial (RJF) 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 Raymond James Financial (RJF) 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

Neither PayPay (PAYP) nor Raymond James Financial (RJF) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

PayPay (PAYP) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Raymond James Financial (RJF) reports a payout of 18.48%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both PayPay (PAYP) at 23.30 and Raymond James Financial (RJF) at 13.67 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 Raymond James Financial (RJF) at 1.98 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

Raymond James Financial (RJF) at 2.46 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