PYPL vs. UBS: PayPal vs. UBS Stock Comparison

November 11, 2026

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

Company profile comparison for PayPal (PYPL) and UBS (UBS)
Profile Item	PYPL	UBS
Name	PayPal Holdings, Inc.	UBS Group AG
Country/Region	United States	Switzerland
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Financial Services	Capital Markets
GICS Sub-Industry	Transaction & Payment Processing Services	Diversified Capital Markets
Market Capitalization	49.21 billion USD	144.79 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	July 6, 2015	May 16, 2000
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PYPL

UBS

GSPC

PayPal (PYPL) vs. UBS (UBS), 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 UBS (UBS). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for PayPal (PYPL) and UBS (UBS)
Metric	PYPL	UBS
Total Return (1Y)	-7.44%	30.78%
Total Return (3Y, Annualized)	4.14%	29.39%
Total Return (5Y, Annualized)	-21.48%	25.00%

Risk Profile

Drawdown History

PYPL

UBS

GSPC

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

Risk Metrics

Risk profile metrics for PayPal (PYPL) and UBS (UBS)
Metric	PYPL	UBS
Volatility (1Y, Annualized)	42.40%	27.78%
Beta (5Y)	1.28	1.15
Max Drawdown (5Y)	-81.84%	-32.48%
Avg. Volume (3M)	11.78M	1.93M

Risk-Adjusted Performance

Risk-Return Positioning

PYPL and UBS 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 UBS (UBS)
Metric	PYPL	UBS
Sharpe Ratio (1Y)	-0.28	0.95
Sortino Ratio (1Y)	-0.37	1.44

Profitability

ROE (TTM)

Capital efficiency shows on one side only: PayPal (PYPL) earns 23.83% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.

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%

UBS

Financial Services industry group

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

PayPal (PYPL) vs. UBS (UBS): UBS does not report ROE, so it has no value marker; PYPL is benchmarked against the Financial Services industry group.

Net Margin (TTM)

Both PayPal (PYPL) at 13.78% and UBS (UBS) at 18.18% 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%

UBS

Financial Services industry group

18.18%

Max: 62.84%
Q3: 28.05%
UBS: 18.18%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

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

Operating Margin (TTM)

Both PayPal (PYPL) at 18.41% and UBS (UBS) at 27.10% 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%

UBS

Financial Services industry group

27.10%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
UBS: 27.10%
Q1: 14.60%
Min: -44.34%

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

Profitability Metrics

Profitability metrics for PayPal (PYPL) and UBS (UBS)
Metric	PYPL	UBS
ROE (TTM)	23.83%	--
ROA (TTM)	4.70%	--
Net Margin (TTM)	13.78%	18.18%
Operating Margin (TTM)	18.41%	27.10%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both PayPal (PYPL) at 4.32% and UBS (UBS) at 4.30% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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

EPS Growth

UBS (UBS) at 55.26% sits in the top EPS growth quartile, while PayPal (PYPL) at 35.59% is closer to the peer norm — faster per-share earnings growth for UBS.

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

Growth Metrics

Growth metrics for PayPal (PYPL) and UBS (UBS)
Metric	PYPL	UBS
Revenue Growth (YoY)	4.32%	4.30%
Revenue Growth (3Y CAGR)	6.43%	12.44%
EPS Growth (YoY)	35.59%	55.26%
EPS Growth (3Y CAGR)	37.30%	1.60%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

UBS (UBS) 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%

UBS

Financial Services industry group

0.00%

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

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

Dividend Payout Ratio (TTM)

Both PayPal (PYPL) at 10.69% and UBS (UBS) at 36.30% 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%

UBS

Financial Services industry group

36.30%

Max: 241.07%
Q3: 97.36%
UBS: 36.30%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

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

Dividend Metrics

Dividend metrics for PayPal (PYPL) and UBS (UBS)
Metric	PYPL	UBS
Dividend Yield (TTM)	0.95%	0.00%
Dividend Payout Ratio (TTM)	10.69%	36.30%

Valuation

P/E Ratio (TTM)

Both PayPal (PYPL) at 11.31 and UBS (UBS) at 15.77 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

UBS

Financial Services industry group

15.77

Max: 45.85
Q3: 24.64
UBS: 15.77
Median: 15.37
Q1: 9.68
Min: 0.16

PayPal (PYPL) vs. UBS (UBS): 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 UBS (UBS) at 2.71 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

UBS

Financial Services industry group

2.71

Max: 9.23
Q3: 4.57
Median: 2.72
UBS: 2.71
Q1: 1.28
Min: -0.55

PayPal (PYPL) vs. UBS (UBS): 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 UBS (UBS) at 1.64 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

UBS

Financial Services industry group

1.64

Max: 7.79
Q3: 3.63
UBS: 1.64
Median: 1.57
Q1: 0.81
Min: -0.39

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

Valuation Metrics

Valuation metrics for PayPal (PYPL) and UBS (UBS)
Metric	PYPL	UBS
P/E Ratio (TTM)	11.31	15.77
P/S Ratio (TTM)	1.43	2.71
P/B Ratio (MRQ)	2.55	1.64
Free Cash Flow Yield (TTM)	--	--