PYPL vs. RKT: PayPal vs. Rocket Stock Comparison

November 11, 2026

How do PayPal (PYPL) and Rocket (RKT) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

PayPal (PYPL) and Rocket (RKT) both belong to the Financial Services industry, though PYPL is classified under Transaction & Payment Processing Services while RKT falls under Commercial & Residential Mortgage Finance.

Company profile comparison for PayPal (PYPL) and Rocket (RKT)
Profile Item	PYPL	RKT
Name	PayPal Holdings, Inc.	Rocket Companies Inc. Class A Common Stock
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Financial Services	Financial Services
GICS Sub-Industry	Transaction & Payment Processing Services	Commercial & Residential Mortgage Finance
Market Capitalization	49.21 billion USD	42.74 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	July 6, 2015	August 6, 2020
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PYPL

RKT

GSPC

PayPal (PYPL) vs. Rocket (RKT), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for PayPal (PYPL) and Rocket (RKT). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for PayPal (PYPL) and Rocket (RKT). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
Total Return (1Y)	-7.44%	-7.27%
Total Return (3Y, Annualized)	4.14%	26.30%
Total Return (5Y, Annualized)	-21.48%	0.22%

Risk Profile

Drawdown History

PYPL

RKT

GSPC

PayPal (PYPL) vs. Rocket (RKT), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for PayPal (PYPL) and Rocket (RKT). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Rocket (RKT) carries a highly aggressive beta of 2.19, indicating much higher sensitivity to broad-market moves, whereas PayPal (PYPL) is closer to market-like at 1.28 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
Volatility (1Y, Annualized)	42.40%	58.88%
Beta (5Y)	1.28	2.19
Max Drawdown (5Y)	-81.84%	-59.90%
Avg. Volume (3M)	11.78M	34.27M

Risk-Adjusted Performance

Risk-Return Positioning

PYPL and RKT are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
Sharpe Ratio (1Y)	-0.28	-0.20
Sortino Ratio (1Y)	-0.37	-0.29

Profitability

ROE (TTM)

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while Rocket (RKT) at 7.86% is closer to the peer norm — stronger capital efficiency for PYPL.

PYPL

Financial Services industry group

23.83%

Max: 44.78%
PYPL: 23.83%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

RKT

Financial Services industry group

7.86%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
RKT: 7.86%
Q1: 4.48%
Min: -18.71%

PayPal (PYPL) vs. Rocket (RKT): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both PayPal (PYPL) at 13.78% and Rocket (RKT) at 11.02% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

PYPL

Financial Services industry group

13.78%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
PYPL: 13.78%
Q1: 4.82%
Min: -28.52%

RKT

Financial Services industry group

11.02%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
RKT: 11.02%
Q1: 4.82%
Min: -28.52%

PayPal (PYPL) vs. Rocket (RKT): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both PayPal (PYPL) at 18.41% and Rocket (RKT) at 43.54% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

PYPL

Financial Services industry group

18.41%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
PYPL: 18.41%
Q1: 14.60%
Min: -44.34%

RKT

Financial Services industry group

43.54%

Max: 107.33%
Q3: 55.90%
RKT: 43.54%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

PayPal (PYPL) vs. Rocket (RKT): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
ROE (TTM)	23.83%	7.86%
ROA (TTM)	4.70%	4.45%
Net Margin (TTM)	13.78%	11.02%
Operating Margin (TTM)	18.41%	43.54%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Rocket (RKT) at 26.87% sits in the top revenue growth quartile, while PayPal (PYPL) at 4.32% is closer to the peer norm — faster top-line expansion for RKT.

PayPal (PYPL) vs. Rocket (RKT): A comparison of their Revenue Growth across different time periods.

EPS Growth

PayPal (PYPL) at 35.59% is around its peer norm for EPS growth, while Rocket (RKT) at -123.81% drops into the bottom quartile, signaling weaker earnings momentum.

PayPal (PYPL) vs. Rocket (RKT): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
Revenue Growth (YoY)	4.32%	26.87%
Revenue Growth (3Y CAGR)	6.43%	3.25%
EPS Growth (YoY)	35.59%	-123.81%
EPS Growth (3Y CAGR)	37.30%	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: PayPal (PYPL) in Financial Services and Rocket (RKT) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: PayPal (PYPL) in Financial Services and Rocket (RKT) 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

Financial strength metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Rocket (RKT) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PayPal (PYPL) reports a yield of 0.95%, ranking against industry peers normally.

PYPL

Financial Services industry group

0.95%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
PYPL: 0.95%
Q1: 0.00%
Min: 0.00%

RKT

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
RKT: 0.00%
Q1: 0.00%
Min: 0.00%

PayPal (PYPL) vs. Rocket (RKT): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Rocket (RKT) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PayPal (PYPL) reports a payout of 10.69%, ranking against industry peers normally.

PYPL

Financial Services industry group

10.69%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
PYPL: 10.69%
Q1: 0.00%
Min: 0.00%

RKT

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
RKT: 0.00%
Q1: 0.00%
Min: 0.00%

PayPal (PYPL) vs. Rocket (RKT): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
Dividend Yield (TTM)	0.95%	0.00%
Dividend Payout Ratio (TTM)	10.69%	0.00%

Valuation

P/E Ratio (TTM)

An earnings multiple is available for just one side: PayPal (PYPL) trades at 11.31 times trailing earnings, ranked against its peers, while Rocket (RKT) has no P/E ratio this period.

PYPL

Financial Services industry group

11.31

Max: 45.85
Q3: 24.64
Median: 15.37
PYPL: 11.31
Q1: 9.68
Min: 0.16

RKT

Financial Services industry group

Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16
RKT: --

PayPal (PYPL) vs. Rocket (RKT): RKT does not report P/E ratio, so it has no value marker; PYPL is benchmarked against the Financial Services industry group.

P/S Ratio (TTM)

On P/S ratio, both PayPal (PYPL) at 1.43 and Rocket (RKT) at 3.61 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

PYPL

Financial Services industry group

1.43

Max: 9.23
Q3: 4.57
Median: 2.72
PYPL: 1.43
Q1: 1.28
Min: -0.55

RKT

Financial Services industry group

3.61

Max: 9.23
Q3: 4.57
RKT: 3.61
Median: 2.72
Q1: 1.28
Min: -0.55

PayPal (PYPL) vs. Rocket (RKT): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both PayPal (PYPL) at 2.55 and Rocket (RKT) at 1.76 are valued close to their industries’ norm against book — neither stands out from peers.

PYPL

Financial Services industry group

2.55

Max: 7.79
Q3: 3.63
PYPL: 2.55
Median: 1.57
Q1: 0.81
Min: -0.39

RKT

Financial Services industry group

1.76

Max: 7.79
Q3: 3.63
RKT: 1.76
Median: 1.57
Q1: 0.81
Min: -0.39

PayPal (PYPL) vs. Rocket (RKT): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for PayPal (PYPL) and Rocket (RKT)
Metric	PYPL	RKT
P/E Ratio (TTM)	11.31	--
P/S Ratio (TTM)	1.43	3.61
P/B Ratio (MRQ)	2.55	1.76
Free Cash Flow Yield (TTM)	--	--