PYPL vs. RGA: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at PYPL and RGA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | PYPL | RGA |
|---|---|---|
| Company Name | PayPal Holdings, Inc. | Reinsurance Group of America, Incorporated |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Financial Services | Insurance |
| Market Capitalization | 66.16 billion USD | 13.05 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | July 6, 2015 | September 12, 2008 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of PYPL and RGA 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.
Historical Performance at a Glance
| Symbol | PYPL | RGA |
|---|---|---|
| 5-Day Price Return | -0.62% | 3.96% |
| 13-Week Price Return | -9.58% | -0.17% |
| 26-Week Price Return | 6.13% | 0.28% |
| 52-Week Price Return | -10.58% | -9.27% |
| Month-to-Date Return | 3.27% | 2.77% |
| Year-to-Date Return | -18.86% | -7.57% |
| 10-Day Avg. Volume | 14.48M | 0.42M |
| 3-Month Avg. Volume | 11.09M | 0.43M |
| 3-Month Volatility | 32.57% | 25.48% |
| Beta | 1.42 | 0.58 |
Profitability
Return on Equity (TTM)
PYPL
23.09%
Financial Services Industry
- Max
- 39.28%
- Q3
- 18.88%
- Median
- 9.97%
- Q1
- 4.03%
- Min
- -10.25%
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.
RGA
6.78%
Insurance Industry
- Max
- 30.96%
- Q3
- 18.76%
- Median
- 14.22%
- Q1
- 10.34%
- Min
- 1.73%
RGA’s Return on Equity of 6.78% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
Net Profit Margin (TTM)
PYPL
14.49%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.35%
- Median
- 12.68%
- Q1
- 6.11%
- Min
- -11.69%
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.
RGA
3.54%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.69%
- Median
- 9.87%
- Q1
- 6.59%
- Min
- -3.51%
Falling into the lower quartile for the Insurance industry, RGA’s Net Profit Margin of 3.54% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin (TTM)
PYPL
18.17%
Financial Services Industry
- Max
- 75.57%
- Q3
- 37.78%
- Median
- 19.09%
- Q1
- 10.04%
- Min
- -19.42%
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.
RGA
6.65%
Insurance Industry
- Max
- 34.52%
- Q3
- 20.17%
- Median
- 14.46%
- Q1
- 9.62%
- Min
- -2.51%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | PYPL | RGA |
|---|---|---|
| Return on Equity (TTM) | 23.09% | 6.78% |
| Return on Assets (TTM) | 5.74% | 0.62% |
| Net Profit Margin (TTM) | 14.49% | 3.54% |
| Operating Profit Margin (TTM) | 18.17% | 6.65% |
| Gross Profit Margin (TTM) | 41.68% | -- |
Financial Strength
Current Ratio (MRQ)
PYPL
1.33
Financial Services Industry
- Max
- 4.83
- Q3
- 2.70
- Median
- 1.44
- Q1
- 0.86
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
RGA
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.37
- Median
- 0.54
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
PYPL
0.56
Financial Services Industry
- Max
- 5.07
- Q3
- 2.14
- Median
- 0.66
- 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.
RGA
0.48
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.23
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
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.
RGA
4.70
Insurance Industry
- Max
- 43.68
- Q3
- 21.45
- Median
- 9.67
- Q1
- 3.55
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | PYPL | RGA |
|---|---|---|
| Current Ratio (MRQ) | 1.33 | -- |
| Quick Ratio (MRQ) | 1.28 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.56 | 0.48 |
| Interest Coverage Ratio (TTM) | 1,066.80 | 4.70 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
PYPL
0.00%
Financial Services Industry
- Max
- 8.12%
- Q3
- 3.37%
- Median
- 1.70%
- 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.
RGA
1.81%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
RGA’s Dividend Yield of 1.81% 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.
Dividend Payout Ratio (TTM)
PYPL
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 18.23%
- 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.
RGA
30.52%
Insurance Industry
- Max
- 169.40%
- Q3
- 85.57%
- Median
- 53.26%
- Q1
- 23.68%
- Min
- 0.00%
RGA’s Dividend Payout Ratio of 30.52% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | PYPL | RGA |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.81% |
| Dividend Payout Ratio (TTM) | 0.00% | 30.52% |
Valuation
Price-to-Earnings Ratio (TTM)
PYPL
14.18
Financial Services Industry
- Max
- 45.81
- Q3
- 30.21
- Median
- 16.29
- Q1
- 10.14
- Min
- 0.70
PYPL’s P/E Ratio of 14.18 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.
RGA
16.90
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
RGA’s P/E Ratio of 16.90 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.
Price-to-Sales Ratio (TTM)
PYPL
2.05
Financial Services Industry
- Max
- 10.88
- Q3
- 5.34
- Median
- 2.64
- Q1
- 1.24
- Min
- 0.06
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
RGA
0.60
Insurance Industry
- Max
- 3.41
- Q3
- 1.88
- Median
- 1.22
- Q1
- 0.80
- Min
- 0.23
In the lower quartile for the Insurance industry, RGA’s P/S Ratio of 0.60 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
Price-to-Book Ratio (MRQ)
PYPL
3.58
Financial Services Industry
- Max
- 7.93
- Q3
- 3.78
- Median
- 1.49
- Q1
- 0.88
- Min
- 0.08
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.
RGA
1.09
Insurance Industry
- Max
- 4.57
- Q3
- 2.56
- Median
- 1.88
- Q1
- 1.20
- Min
- 0.17
RGA’s P/B Ratio of 1.09 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | PYPL | RGA |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 14.18 | 16.90 |
| Price-to-Sales Ratio (TTM) | 2.05 | 0.60 |
| Price-to-Book Ratio (MRQ) | 3.58 | 1.09 |
| Price-to-Free Cash Flow Ratio (TTM) | 12.54 | 2.65 |