FINX vs. PYPL

Last updated Jun 4, 2026

FINX (Global X FinTech ETF) is Technology Equities fund tracking the Indxx Global FinTech Thematic Index, while PYPL (PayPal Holdings, Inc.) is a stock. Over the past 5 years, FINX returned -10.20%/yr vs -30.44%/yr for PYPL. A 0.71 correlation means they provide meaningful diversification when combined.

Performance

FINX vs. PYPL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Global X FinTech ETF (FINX) and PayPal Holdings, Inc. (PYPL). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FINX achieves a -16.28% return, which is significantly higher than PYPL's -26.79% return.

FINX

• 1D: -4.72%
• 1M: -5.30%
• YTD: -16.28%
• 6M: -18.85%
• 1Y: -20.58%
• 3Y*: 5.77%
• 5Y*: -10.20%
• 10Y*: —

PYPL

• 1D: -4.31%
• 1M: -15.44%
• YTD: -26.79%
• 6M: -30.21%
• 1Y: -39.94%
• 3Y*: -12.51%
• 5Y*: -30.44%
• 10Y*: 1.12%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FINX vs. PYPL - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FINX Global X FinTech ETF	-16.28%	-5.20%	23.02%	33.15%	-51.80%	-9.65%	53.76%	37.52%	0.82%	49.96%
PYPL PayPal Holdings, Inc.	-26.79%	-31.44%	38.98%	-13.77%	-62.23%	-19.48%	116.51%	28.64%	14.22%	86.52%

Correlation

The correlation between FINX and PYPL is 0.65, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.65
Correlation (3Y) Calculated over the trailing 3-year period	0.66
Correlation (5Y) Calculated over the trailing 5-year period	0.73
Correlation (All Time) Calculated using the full available price history since Sep 14, 2016	0.71

The correlation between FINX and PYPL has been stable across timeframes, ranging from 0.65 to 0.73 - a consistent structural relationship.

Return for Risk

FINX vs. PYPL — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FINX

FINX Risk / Return Rank: 3
FINX Sharpe Ratio Rank: 3
FINX Sortino Ratio Rank: 3
FINX Omega Ratio Rank: 3
FINX Calmar Ratio Rank: 4
FINX Martin Ratio Rank: 4

PYPL

PYPL Risk / Return Rank: 7
PYPL Sharpe Ratio Rank: 4
PYPL Sortino Ratio Rank: 7
PYPL Omega Ratio Rank: 6
PYPL Calmar Ratio Rank: 10
PYPL Martin Ratio Rank: 6

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FINX vs. PYPL - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Global X FinTech ETF (FINX) and PayPal Holdings, Inc. (PYPL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	FINX	PYPL	Difference
Sharpe ratio Return per unit of total volatility	-0.70	-1.03	+0.32
Sortino ratio Return per unit of downside risk	-0.83	-1.32	+0.49
Omega ratio Gain probability vs. loss probability	0.90	0.81	+0.09
Calmar ratio Return relative to maximum drawdown	-0.56	-0.80	+0.24
Martin ratio Return relative to average drawdown	-1.09	-1.45	+0.37
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FINX vs. PYPL - Sharpe Ratio Comparison

The current FINX Sharpe Ratio is -0.70, which is higher than the PYPL Sharpe Ratio of -1.03. The chart below compares the historical Sharpe Ratios of FINX and PYPL, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FINX	PYPL	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.70	-1.03	+0.32
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.33	-0.73	+0.40
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.03	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.21	0.01	+0.20

Drawdowns

FINX vs. PYPL - Drawdown Comparison

The maximum FINX drawdown since its inception was -63.53%, smaller than the maximum PYPL drawdown of -87.30%. Use the drawdown chart below to compare losses from any high point for FINX and PYPL.

Drawdown Indicators

	FINX	PYPL	Difference
Max Drawdown Largest peak-to-trough decline	-63.53%	-87.30%	+23.77%
Max Drawdown (1Y) Largest decline over 1 year	-36.58%	-49.92%	+13.34%
Max Drawdown (3Y) Largest decline over 3 years	-36.58%	-57.34%	+20.76%
Max Drawdown (5Y) Largest decline over 5 years	-63.53%	-87.30%	+23.77%
Max Drawdown (10Y) Largest decline over 10 years	—	-87.30%	—
Current Drawdown Current decline from peak	-49.93%	-86.12%	+36.19%
Average Drawdown Average peak-to-trough decline	-24.45%	-35.63%	+11.18%
Ulcer Index Depth and duration of drawdowns from previous peaks	18.98%	27.53%	-8.55%

Volatility

FINX vs. PYPL - Volatility Comparison

The current volatility for Global X FinTech ETF (FINX) is 8.15%, while PayPal Holdings, Inc. (PYPL) has a volatility of 9.62%. This indicates that FINX experiences smaller price fluctuations and is considered to be less risky than PYPL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FINX	PYPL	Difference
Volatility (1M) Calculated over the trailing 1-month period	8.15%	9.62%	-1.47%
Volatility (6M) Calculated over the trailing 6-month period	22.78%	31.64%	-8.86%
Volatility (1Y) Calculated over the trailing 1-year period	29.36%	39.02%	-9.66%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	31.40%	42.08%	-10.68%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	28.73%	38.76%	-10.03%

Dividends

FINX vs. PYPL - Dividend Comparison

FINX's dividend yield for the trailing twelve months is around 0.69%, more than PYPL's 0.66% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
FINX Global X FinTech ETF	0.69%	0.58%	0.72%	0.21%	0.27%	5.40%	0.00%	0.00%	0.18%	0.11%
PYPL PayPal Holdings, Inc.	0.66%	0.24%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both FINX and PYPL in my portfolio?

FINX and PYPL have a correlation of 0.65, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FINX or PYPL?

PYPL has higher volatility (9.62%) compared to FINX (8.15%). In terms of maximum drawdown, FINX dropped -63.53% vs PYPL's -87.30%.

Which has better risk-adjusted returns?

FINX currently has the higher Sharpe Ratio (-0.70 vs -1.03), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.