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

Updated on August 27, 2025

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

Company Profile

Symbol	PYPL	TRV
Company Name	PayPal Holdings, Inc.	The Travelers Companies, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Insurance
Market Capitalization	66.38 billion USD	61.31 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	July 6, 2015	November 17, 1975
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of PYPL and TRV 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.

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

Historical Performance at a Glance

Symbol	PYPL	TRV
5-Day Price Return	0.62%	1.29%
13-Week Price Return	-2.76%	0.46%
26-Week Price Return	-11.33%	12.37%
52-Week Price Return	-2.85%	25.01%
Month-to-Date Return	1.05%	4.65%
Year-to-Date Return	-18.59%	13.06%
10-Day Avg. Volume	9.13M	1.28M
3-Month Avg. Volume	10.27M	1.25M
3-Month Volatility	33.56%	20.85%
Beta	1.45	0.53

Profitability

Return on Equity (TTM)

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.

TRV

18.53%

Insurance Industry

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

In the upper quartile for the Insurance industry, TRV’s Return on Equity of 18.53% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

Net Profit Margin (TTM)

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.

TRV

10.96%

Insurance Industry

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

TRV’s Net Profit Margin of 10.96% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

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.

TRV

14.43%

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

Profitability at a Glance

Symbol	PYPL	TRV
Return on Equity (TTM)	23.09%	18.53%
Return on Assets (TTM)	5.74%	3.87%
Net Profit Margin (TTM)	14.49%	10.96%
Operating Profit Margin (TTM)	18.17%	14.43%
Gross Profit Margin (TTM)	41.68%	--

Financial Strength

Current Ratio (MRQ)

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.

TRV

1.00

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

Debt-to-Equity Ratio (MRQ)

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.

TRV

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

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.

TRV

16.77

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

Financial Strength at a Glance

Symbol	PYPL	TRV
Current Ratio (MRQ)	1.33	1.00
Quick Ratio (MRQ)	1.28	1.00
Debt-to-Equity Ratio (MRQ)	0.56	0.27
Interest Coverage Ratio (TTM)	1,066.80	16.77

Growth

Revenue Growth

PYPL vs. TRV: 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

PYPL vs. TRV: 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)

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.

TRV

1.58%

Insurance Industry

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

TRV’s Dividend Yield of 1.58% 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 vs. TRV: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

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.

TRV

18.45%

Insurance Industry

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

TRV’s Dividend Payout Ratio of 18.45% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

Symbol	PYPL	TRV
Dividend Yield (TTM)	0.00%	1.58%
Dividend Payout Ratio (TTM)	0.00%	18.45%

Valuation

Price-to-Earnings Ratio (TTM)

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.

TRV

11.71

Insurance Industry

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

TRV’s P/E Ratio of 11.71 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 vs. TRV: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

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.

TRV

1.28

Insurance Industry

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

TRV’s P/S Ratio of 1.28 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

PYPL vs. TRV: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

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.

TRV

2.04

Insurance Industry

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

TRV’s P/B Ratio of 2.04 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 vs. TRV: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Valuation at a Glance

Symbol	PYPL	TRV
Price-to-Earnings Ratio (TTM)	13.89	11.71
Price-to-Sales Ratio (TTM)	2.01	1.28
Price-to-Book Ratio (MRQ)	3.58	2.04
Price-to-Free Cash Flow Ratio (TTM)	12.29	6.38