PYPL vs. TROW: PayPal vs. T. Rowe Price Stock Comparison

November 11, 2026

How do PayPal (PYPL) and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) both fall under the Financial Services industry group, but PYPL is classified in Financial Services while TROW is classified in Capital Markets.

Company profile comparison for PayPal (PYPL) and T. Rowe Price (TROW)
Profile Item	PYPL	TROW
Name	PayPal Holdings, Inc.	T. Rowe Price Group Inc.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Financial Services	Capital Markets
GICS Sub-Industry	Transaction & Payment Processing Services	Asset Management & Custody Banks
Market Capitalization	49.21 billion USD	23.13 billion USD
Currency	USD	USD
Exchange	Nasdaq	Nasdaq
Listing Date	July 6, 2015	April 2, 1986
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PYPL

TROW

GSPC

PayPal (PYPL) vs. T. Rowe Price (TROW), 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 T. Rowe Price (TROW). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for PayPal (PYPL) and T. Rowe Price (TROW). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for PayPal (PYPL) and T. Rowe Price (TROW)
Metric	PYPL	TROW
Total Return (1Y)	-7.44%	14.59%
Total Return (3Y, Annualized)	4.14%	11.26%
Total Return (5Y, Annualized)	-21.48%	-8.60%

Risk Profile

Drawdown History

PYPL

TROW

GSPC

PayPal (PYPL) vs. T. Rowe Price (TROW), 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 T. Rowe Price (TROW). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for PayPal (PYPL) and T. Rowe Price (TROW)
Metric	PYPL	TROW
Volatility (1Y, Annualized)	42.40%	24.99%
Beta (5Y)	1.28	1.39
Max Drawdown (5Y)	-81.84%	-57.57%
Avg. Volume (3M)	11.78M	1.72M

Risk-Adjusted Performance

Risk-Return Positioning

PYPL and TROW 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 T. Rowe Price (TROW)
Metric	PYPL	TROW
Sharpe Ratio (1Y)	-0.28	0.41
Sortino Ratio (1Y)	-0.37	0.58

Profitability

ROE (TTM)

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while T. Rowe Price (TROW) at 18.20% 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%

TROW

Financial Services industry group

18.20%

Max: 44.78%
Q3: 21.85%
TROW: 18.20%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

T. Rowe Price (TROW) at 28.40% retains a top-quartile share of revenue as profit, ahead of PayPal (PYPL) at 13.78%, which keeps about the industry-typical share.

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%

TROW

Financial Services industry group

28.40%

Max: 62.84%
TROW: 28.40%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both PayPal (PYPL) at 18.41% and T. Rowe Price (TROW) at 38.60% 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%

TROW

Financial Services industry group

38.60%

Max: 107.33%
Q3: 55.90%
TROW: 38.60%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for PayPal (PYPL) and T. Rowe Price (TROW)
Metric	PYPL	TROW
ROE (TTM)	23.83%	18.20%
ROA (TTM)	4.70%	10.67%
Net Margin (TTM)	13.78%	28.40%
Operating Margin (TTM)	18.41%	38.60%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both PayPal (PYPL) at 4.32% and T. Rowe Price (TROW) at 3.12% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both PayPal (PYPL) at 35.59% and T. Rowe Price (TROW) at 0.98% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for PayPal (PYPL) and T. Rowe Price (TROW)
Metric	PYPL	TROW
Revenue Growth (YoY)	4.32%	3.12%
Revenue Growth (3Y CAGR)	6.43%	4.08%
EPS Growth (YoY)	35.59%	0.98%
EPS Growth (3Y CAGR)	37.30%	11.31%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: PayPal (PYPL) in Financial Services and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) 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 T. Rowe Price (TROW)
Metric	PYPL	TROW
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

T. Rowe Price (TROW) at 4.76% delivers top-quartile income for its industry, while PayPal (PYPL) at 0.95% pays a more typical yield — both are credible income propositions, TROW the richer one.

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%

TROW

Financial Services industry group

4.76%

Max: 9.77%
TROW: 4.76%
Q3: 3.92%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both PayPal (PYPL) at 10.69% and T. Rowe Price (TROW) at 52.33% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

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%

TROW

Financial Services industry group

52.33%

Max: 241.07%
Q3: 97.36%
TROW: 52.33%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for PayPal (PYPL) and T. Rowe Price (TROW)
Metric	PYPL	TROW
Dividend Yield (TTM)	0.95%	4.76%
Dividend Payout Ratio (TTM)	10.69%	52.33%

Valuation

P/E Ratio (TTM)

Both PayPal (PYPL) at 11.31 and T. Rowe Price (TROW) at 10.97 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

TROW

Financial Services industry group

10.97

Max: 45.85
Q3: 24.64
Median: 15.37
TROW: 10.97
Q1: 9.68
Min: 0.16

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both PayPal (PYPL) at 1.43 and T. Rowe Price (TROW) at 3.00 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

TROW

Financial Services industry group

3.00

Max: 9.23
Q3: 4.57
TROW: 3.00
Median: 2.72
Q1: 1.28
Min: -0.55

PayPal (PYPL) vs. T. Rowe Price (TROW): 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 T. Rowe Price (TROW) at 2.03 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

TROW

Financial Services industry group

2.03

Max: 7.79
Q3: 3.63
TROW: 2.03
Median: 1.57
Q1: 0.81
Min: -0.39

PayPal (PYPL) vs. T. Rowe Price (TROW): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for PayPal (PYPL) and T. Rowe Price (TROW)
Metric	PYPL	TROW
P/E Ratio (TTM)	11.31	10.97
P/S Ratio (TTM)	1.43	3.00
P/B Ratio (MRQ)	2.55	2.03
Free Cash Flow Yield (TTM)	--	--