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

Updated on August 24, 2025

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

Company Profile

PUK trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, PYPL is a standard domestic listing.

Symbol	PUK	PYPL
Company Name	Prudential plc	PayPal Holdings, Inc.
Country	Hong Kong	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Financial Services
Market Capitalization	34.20 billion USD	65.04 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	June 29, 2000	July 6, 2015
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of PUK 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.

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

Historical Performance at a Glance

Symbol	PUK	PYPL
5-Day Price Return	0.43%	-1.87%
13-Week Price Return	14.53%	-5.86%
26-Week Price Return	36.02%	-11.11%
52-Week Price Return	49.16%	-1.94%
Month-to-Date Return	2.57%	-0.99%
Year-to-Date Return	55.20%	-20.23%
10-Day Avg. Volume	2.56M	9.83M
3-Month Avg. Volume	3.93M	10.36M
3-Month Volatility	18.13%	32.89%
Beta	1.53	1.45

Profitability

Return on Equity (TTM)

PUK

13.58%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

PUK’s Return on Equity of 13.58% 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: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

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.

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

Net Profit Margin (TTM)

PUK

19.26%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 19.26% places PUK 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: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

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.

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

Operating Profit Margin (TTM)

PUK

20.87%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

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

PYPL

18.17%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

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.

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

Profitability at a Glance

Symbol	PUK	PYPL
Return on Equity (TTM)	13.58%	23.09%
Return on Assets (TTM)	1.28%	5.74%
Net Profit Margin (TTM)	19.26%	14.49%
Operating Profit Margin (TTM)	20.87%	18.17%
Gross Profit Margin (TTM)	--	41.68%

Financial Strength

Current Ratio (MRQ)

PUK

0.36

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
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: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

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

Debt-to-Equity Ratio (MRQ)

PUK

0.27

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
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: 4.96
Q3: 2.10
Median: 0.57
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.

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

Interest Coverage Ratio (TTM)

PUK

8.97

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
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.

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

Financial Strength at a Glance

Symbol	PUK	PYPL
Current Ratio (MRQ)	0.36	1.33
Quick Ratio (MRQ)	0.36	1.28
Debt-to-Equity Ratio (MRQ)	0.27	0.56
Interest Coverage Ratio (TTM)	8.97	1,066.80

Growth

Revenue Growth

PUK 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

PUK 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)

PUK

1.62%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

PUK’s Dividend Yield of 1.62% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

PYPL

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
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.

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

Dividend Payout Ratio (TTM)

PUK

24.16%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

PUK’s Dividend Payout Ratio of 24.16% 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: 155.56%
Q3: 63.71%
Median: 18.08%
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.

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

Dividend at a Glance

Symbol	PUK	PYPL
Dividend Yield (TTM)	1.62%	0.00%
Dividend Payout Ratio (TTM)	24.16%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

PUK

14.95

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

PUK’s P/E Ratio of 14.95 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

13.89

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

PYPL’s P/E Ratio of 13.89 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.

PUK 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)

PUK

2.88

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

PUK’s P/S Ratio of 2.88 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

2.01

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

PUK 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)

PUK

1.31

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

PUK’s P/B Ratio of 1.31 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: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

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.

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

Valuation at a Glance

Symbol	PUK	PYPL
Price-to-Earnings Ratio (TTM)	14.95	13.89
Price-to-Sales Ratio (TTM)	2.88	2.01
Price-to-Book Ratio (MRQ)	1.31	3.58
Price-to-Free Cash Flow Ratio (TTM)	9.74	12.29