PAYP vs. WSE: PayPay vs. Wise Stock Comparison

Company Profile

PayPay (PAYP) and Wise (WSE) 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.

Wise (WSE) 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

Wise (WSE) has an aggressive beta of 1.56, indicating higher sensitivity to broad-market moves, while PayPay (PAYP) is defensive at 0.24 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

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

Risk-Adjusted Metrics

Profitability

Wise (WSE) at 27.23% sits in the top ROE quartile, while PayPay (PAYP) at 18.80% is closer to the peer norm — stronger capital efficiency for WSE.

Both PayPay (PAYP) at 15.85% and Wise (WSE) at 19.93% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of PayPay (PAYP) at 32.79%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both PayPay (PAYP) at 25.85% and Wise (WSE) at 17.14% 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 Wise (WSE) at -5.78%, 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 Wise (WSE) 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 Wise (WSE) 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 Wise (WSE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

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

Dividend Metrics

Valuation

Both PayPay (PAYP) at 23.30 and Wise (WSE) at 23.23 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 Wise (WSE) at 4.30 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

Both PayPay (PAYP) at 3.75 and Wise (WSE) at 5.94 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics