PAYP vs. SCHW: PayPay vs. Charles Schwab Stock Comparison

Company Profile

PayPay (PAYP) and Charles Schwab (SCHW) both fall under the Financial Services industry group, but PAYP is classified in Financial Services while SCHW is classified in Capital Markets.

Charles Schwab (SCHW) has been public since September 22, 1987, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Charles Schwab (SCHW) 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 SCHW need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both PayPay (PAYP) at 18.80% and Charles Schwab (SCHW) at 21.12% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Charles Schwab (SCHW) at 39.33% retains a top-quartile share of revenue as profit, ahead of PayPay (PAYP) at 15.85%, which keeps about the industry-typical share.

Both PayPay (PAYP) at 32.79% and Charles Schwab (SCHW) at 52.67% 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 Charles Schwab (SCHW) at 22.01% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both companies show strong earnings momentum, but PayPay (PAYP) at 230.06% is the standout with EPS growth above its industry range; Charles Schwab (SCHW) at 55.52% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: PayPay (PAYP) in Financial Services and Charles Schwab (SCHW) 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 Charles Schwab (SCHW) 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 Charles Schwab (SCHW) reports a yield of 1.33%, 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 Charles Schwab (SCHW) reports a payout of 21.03%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both PayPay (PAYP) at 23.30 and Charles Schwab (SCHW) at 15.64 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 looks cheap on sales in the lower P/S ratio quartile, while Charles Schwab (SCHW) at 5.85 looks rich in the upper quartile — a clear gap in price per dollar of revenue.

Charles Schwab (SCHW) at 3.08 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