PAGS vs. PYPL

Last updated Apr 1, 2026

Compare and contrast key facts about PagSeguro Digital Ltd. (PAGS) and PayPal Holdings, Inc. (PYPL).

Performance

PAGS vs. PYPL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in PagSeguro Digital Ltd. (PAGS) and PayPal Holdings, Inc. (PYPL). The values are adjusted to include any dividend payments, if applicable.

PAGS vs. PYPL - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018
PAGS PagSeguro Digital Ltd.	5.01%	60.75%	-49.80%	42.68%	-66.67%	-53.90%	66.51%	82.38%	-35.86%
PYPL PayPal Holdings, Inc.	-22.29%	-31.44%	38.98%	-13.77%	-62.23%	-19.48%	116.51%	28.64%	0.45%

Fundamentals

Market Cap PAGS : $2.91B PYPL : $42.47B
EPS PAGS : $7.20 PYPL : $5.42
PE Ratio PAGS : 1.39 PYPL : 8.34
PEG Ratio PAGS : 0.07 PYPL : 0.40
PS Ratio PAGS : 0.15 PYPL : 1.32
PB Ratio PAGS : 0.20 PYPL : 2.10
Total Revenue (TTM) PAGS : $19.82B PYPL : $33.17B
Gross Profit (TTM) PAGS : $10.07B PYPL : $15.47B
EBITDA (TTM) PAGS : $8.85B PYPL : $7.18B

Returns By Period

In the year-to-date period, PAGS achieves a 5.01% return, which is significantly higher than PYPL's -22.29% return.

PAGS

• 1D: 3.19%
• 1M: -5.56%
• YTD: 5.01%
• 6M: 2.54%
• 1Y: 38.49%
• 3Y*: 7.23%
• 5Y*: -26.28%
• 10Y*: —

PYPL

• 1D: 1.25%
• 1M: -1.82%
• YTD: -22.29%
• 6M: -32.19%
• 1Y: -30.31%
• 3Y*: -15.71%
• 5Y*: -28.74%
• 10Y*: 1.44%

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

Return for Risk

PAGS vs. PYPL — Risk / Return Rank

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

PAGS

PAGS Risk / Return Rank: 67
PAGS Sharpe Ratio Rank: 69
PAGS Sortino Ratio Rank: 66
PAGS Omega Ratio Rank: 62
PAGS Calmar Ratio Rank: 72
PAGS Martin Ratio Rank: 68

PYPL

PYPL Risk / Return Rank: 15
PYPL Sharpe Ratio Rank: 11
PYPL Sortino Ratio Rank: 14
PYPL Omega Ratio Rank: 13
PYPL Calmar Ratio Rank: 22
PYPL Martin Ratio Rank: 14

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.

PAGS vs. PYPL - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for PagSeguro Digital Ltd. (PAGS) 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.

	PAGS	PYPL	Difference
Sharpe ratio Return per unit of total volatility	0.76	-0.74	+1.50
Sortino ratio Return per unit of downside risk	1.38	-0.82	+2.21
Omega ratio Gain probability vs. loss probability	1.17	0.88	+0.28
Calmar ratio Return relative to maximum drawdown	1.52	-0.61	+2.12
Martin ratio Return relative to average drawdown	3.06	-1.37	+4.43
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PAGS vs. PYPL - Sharpe Ratio Comparison

The current PAGS Sharpe Ratio is 0.76, which is higher than the PYPL Sharpe Ratio of -0.74. The chart below compares the historical Sharpe Ratios of PAGS and PYPL, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	PAGS	PYPL	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.76	-0.74	+1.50
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.43	-0.69	+0.26
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.04	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.19	0.03	-0.22

Correlation

The correlation between PAGS and PYPL is 0.49, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

PAGS vs. PYPL - Dividend Comparison

PAGS's dividend yield for the trailing twelve months is around 4.99%, more than PYPL's 0.62% yield.

	TTM	2025
PAGS PagSeguro Digital Ltd.	4.99%	3.94%
PYPL PayPal Holdings, Inc.	0.62%	0.24%

Drawdowns

PAGS vs. PYPL - Drawdown Comparison

The maximum PAGS drawdown since its inception was -90.00%, roughly equal to the maximum PYPL drawdown of -87.30%. Use the drawdown chart below to compare losses from any high point for PAGS and PYPL.

Drawdown Indicators

	PAGS	PYPL	Difference
Max Drawdown Largest peak-to-trough decline	-90.00%	-87.30%	-2.70%
Max Drawdown (1Y) Largest decline over 1 year	-21.92%	-49.92%	+28.00%
Max Drawdown (5Y) Largest decline over 5 years	-89.84%	-87.30%	-2.54%
Max Drawdown (10Y) Largest decline over 10 years	—	-87.30%	—
Current Drawdown Current decline from peak	-82.93%	-85.26%	+2.33%
Average Drawdown Average peak-to-trough decline	-54.82%	-34.83%	-19.99%
Ulcer Index Depth and duration of drawdowns from previous peaks	10.88%	22.00%	-11.12%

Volatility

PAGS vs. PYPL - Volatility Comparison

PagSeguro Digital Ltd. (PAGS) has a higher volatility of 16.29% compared to PayPal Holdings, Inc. (PYPL) at 9.59%. This indicates that PAGS's price experiences larger fluctuations and is considered to be riskier than PYPL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PAGS	PYPL	Difference
Volatility (1M) Calculated over the trailing 1-month period	16.29%	9.59%	+6.70%
Volatility (6M) Calculated over the trailing 6-month period	33.41%	33.56%	-0.15%
Volatility (1Y) Calculated over the trailing 1-year period	50.85%	41.33%	+9.52%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	61.27%	42.00%	+19.27%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	61.39%	38.63%	+22.76%

Financials

PAGS vs. PYPL - Profitability Comparison

The chart below illustrates the profitability comparison between PagSeguro Digital Ltd. and PayPal Holdings, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PAGS - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, PagSeguro Digital Ltd. reported a gross profit of 2.72B and revenue of 5.30B. Therefore, the gross margin over that period was 51.3%.

PYPL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, PayPal Holdings, Inc. reported a gross profit of 4.03B and revenue of 8.68B. Therefore, the gross margin over that period was 46.5%.

PAGS - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, PagSeguro Digital Ltd. reported an operating income of 2.07B and revenue of 5.30B, resulting in an operating margin of 39.0%.

PYPL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, PayPal Holdings, Inc. reported an operating income of 1.51B and revenue of 8.68B, resulting in an operating margin of 17.4%.

PAGS - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, PagSeguro Digital Ltd. reported a net income of 509.66M and revenue of 5.30B, resulting in a net margin of 9.6%.

PYPL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, PayPal Holdings, Inc. reported a net income of 1.44B and revenue of 8.68B, resulting in a net margin of 16.6%.