PYPL vs. XYZ: PayPal vs. Block Stock Comparison

November 11, 2026

How do PayPal (PYPL) and Block (XYZ) 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 Block (XYZ) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Company profile comparison for PayPal (PYPL) and Block (XYZ)
Profile Item	PYPL	XYZ
Name	PayPal Holdings, Inc.	Block 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	Transaction & Payment Processing Services
Market Capitalization	49.21 billion USD	51.67 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	July 6, 2015	November 19, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PYPL

XYZ

GSPC

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

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for PayPal (PYPL) and Block (XYZ)
Metric	PYPL	XYZ
Total Return (1Y)	-7.44%	35.34%
Total Return (3Y, Annualized)	4.14%	20.17%
Total Return (5Y, Annualized)	-21.48%	-17.43%

Risk Profile

Drawdown History

PYPL

XYZ

GSPC

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

Risk Metrics

Block (XYZ) carries a highly aggressive beta of 2.48, 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 Block (XYZ)
Metric	PYPL	XYZ
Volatility (1Y, Annualized)	42.40%	48.01%
Beta (5Y)	1.28	2.48
Max Drawdown (5Y)	-81.84%	-83.55%
Avg. Volume (3M)	11.78M	4.73M

Risk-Adjusted Performance

Risk-Return Positioning

PYPL and XYZ 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 Block (XYZ)
Metric	PYPL	XYZ
Sharpe Ratio (1Y)	-0.28	0.65
Sortino Ratio (1Y)	-0.37	1.03

Profitability

ROE (TTM)

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while Block (XYZ) at 2.02% is in the bottom quartile, showing a clear gap in returns on equity.

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%

XYZ

Financial Services industry group

2.02%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
XYZ: 2.02%
Min: -18.71%

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

Net Margin (TTM)

PayPal (PYPL) at 13.78% keeps about the industry-typical share of revenue as profit, while Block (XYZ) at 1.80% retains only a bottom-quartile 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%

XYZ

Financial Services industry group

1.80%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
XYZ: 1.80%
Min: -28.52%

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

Operating Margin (TTM)

PayPal (PYPL) at 18.41% runs core operations around its industry’s norm, while Block (XYZ) at 6.65% operates in the bottom quartile.

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%

XYZ

Financial Services industry group

6.65%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
XYZ: 6.65%
Min: -44.34%

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

Profitability Metrics

Profitability metrics for PayPal (PYPL) and Block (XYZ)
Metric	PYPL	XYZ
ROE (TTM)	23.83%	2.02%
ROA (TTM)	4.70%	1.94%
Net Margin (TTM)	13.78%	1.80%
Operating Margin (TTM)	18.41%	6.65%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

PayPal (PYPL) at 4.32% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

PayPal (PYPL) vs. Block (XYZ): 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 Block (XYZ) at -53.95% drops into the bottom quartile, signaling weaker earnings momentum.

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

Growth Metrics

Growth metrics for PayPal (PYPL) and Block (XYZ)
Metric	PYPL	XYZ
Revenue Growth (YoY)	4.32%	0.30%
Revenue Growth (3Y CAGR)	6.43%	11.33%
EPS Growth (YoY)	35.59%	-53.95%
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 Block (XYZ) 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 Block (XYZ) 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 Block (XYZ)
Metric	PYPL	XYZ
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Block (XYZ) 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%

XYZ

Financial Services industry group

0.00%

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

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

Dividend Payout Ratio (TTM)

Block (XYZ) 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%

XYZ

Financial Services industry group

0.00%

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

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

Dividend Metrics

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

Valuation

P/E Ratio (TTM)

PayPal (PYPL) at 11.31 is near its industry’s usual P/E ratio, while Block (XYZ) at 112.47 sits above its peer range — an unusually expensive price for XYZ’s trailing earnings.

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

XYZ

Financial Services industry group

112.47

XYZ: 112.47
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

PayPal (PYPL) vs. Block (XYZ): 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 Block (XYZ) at 2.01 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

XYZ

Financial Services industry group

2.01

Max: 9.23
Q3: 4.57
Median: 2.72
XYZ: 2.01
Q1: 1.28
Min: -0.55

PayPal (PYPL) vs. Block (XYZ): 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 Block (XYZ) at 2.26 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

XYZ

Financial Services industry group

2.26

Max: 7.79
Q3: 3.63
XYZ: 2.26
Median: 1.57
Q1: 0.81
Min: -0.39

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

Valuation Metrics

Valuation metrics for PayPal (PYPL) and Block (XYZ)
Metric	PYPL	XYZ
P/E Ratio (TTM)	11.31	112.47
P/S Ratio (TTM)	1.43	2.01
P/B Ratio (MRQ)	2.55	2.26
Free Cash Flow Yield (TTM)	--	--