PAYC vs. PYPL
PAYC (Paycom Software, Inc.) and PYPL (PayPal Holdings, Inc.) are both stocks. PAYC operates in Software - Application (Technology), while PYPL operates in Credit Services (Financial Services). Over the past 10 years, PAYC returned 13.71%/yr vs 1.56%/yr for PYPL. A 0.53 correlation means they provide meaningful diversification when combined.
Performance
PAYC vs. PYPL - Performance Comparison
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Returns By Period
In the year-to-date period, PAYC achieves a -9.00% return, which is significantly higher than PYPL's -23.49% return. Over the past 10 years, PAYC has outperformed PYPL with an annualized return of 13.71%, while PYPL has yielded a comparatively lower 1.56% annualized return.
PAYC
- 1D
- -2.93%
- 1M
- 9.60%
- YTD
- -9.00%
- 6M
- -10.46%
- 1Y
- -43.91%
- 3Y*
- -20.43%
- 5Y*
- -14.27%
- 10Y*
- 13.71%
PYPL
- 1D
- -1.46%
- 1M
- -11.72%
- YTD
- -23.49%
- 6M
- -28.99%
- 1Y
- -36.88%
- 3Y*
- -11.21%
- 5Y*
- -29.54%
- 10Y*
- 1.56%
PAYC vs. PYPL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PAYC Paycom Software, Inc. | -9.00% | -21.70% | -0.04% | -33.06% | -25.26% | -8.19% | 70.82% | 116.22% | 52.43% | 76.59% |
PYPL PayPal Holdings, Inc. | -23.49% | -31.44% | 38.98% | -13.77% | -62.23% | -19.48% | 116.51% | 28.64% | 14.22% | 86.52% |
Correlation
The correlation between PAYC and PYPL is 0.39, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.39 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.44 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.53 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.54 |
Correlation (All Time) Calculated using the full available price history since Jul 21, 2015 | 0.53 |
The correlation between PAYC and PYPL shifts across timeframes, from 0.39 (1 year) to 0.54 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
PAYC:
$7.38B
PYPL:
$40.97B
PAYC:
$8.58
PYPL:
$5.31
PAYC:
16.81
PYPL:
8.39
PAYC:
0.63
PYPL:
0.41
PAYC:
3.77
PYPL:
1.26
PAYC:
9.10
PYPL:
2.05
PAYC:
$2.09B
PYPL:
$33.73B
PAYC:
$1.70B
PYPL:
$15.56B
PAYC:
$803.80M
PYPL:
$7.23B
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Return for Risk
PAYC vs. PYPL — Risk / Return Rank
PAYC
PYPL
PAYC vs. PYPL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Paycom Software, Inc. (PAYC) 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.
| PAYC | PYPL | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -1.17 | -0.95 | -0.22 |
Sortino ratioReturn per unit of downside risk | -1.76 | -1.18 | -0.58 |
Omega ratioGain probability vs. loss probability | 0.79 | 0.83 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | -0.77 | -0.73 | -0.04 |
Martin ratioReturn relative to average drawdown | -1.17 | -1.33 | +0.15 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| PAYC | PYPL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.17 | -0.95 | -0.22 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.32 | -0.71 | +0.38 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.31 | 0.04 | +0.27 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.45 | 0.02 | +0.43 |
Drawdowns
PAYC vs. PYPL - Drawdown Comparison
The maximum PAYC drawdown since its inception was -78.99%, smaller than the maximum PYPL drawdown of -87.30%. Use the drawdown chart below to compare losses from any high point for PAYC and PYPL.
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Drawdown Indicators
| PAYC | PYPL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -78.99% | -87.30% | +8.31% |
Max Drawdown (1Y)Largest decline over 1 year | -56.97% | -49.92% | -7.05% |
Max Drawdown (3Y)Largest decline over 3 years | -68.70% | -57.34% | -11.36% |
Max Drawdown (5Y)Largest decline over 5 years | -78.99% | -87.30% | +8.31% |
Max Drawdown (10Y)Largest decline over 10 years | -78.99% | -87.30% | +8.31% |
Current DrawdownCurrent decline from peak | -73.26% | -85.49% | +12.23% |
Average DrawdownAverage peak-to-trough decline | -26.86% | -35.61% | +8.75% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 37.32% | 27.38% | +9.94% |
Volatility
PAYC vs. PYPL - Volatility Comparison
Paycom Software, Inc. (PAYC) has a higher volatility of 14.77% compared to PayPal Holdings, Inc. (PYPL) at 8.86%. This indicates that PAYC'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.
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Volatility by Period
| PAYC | PYPL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 14.77% | 8.86% | +5.91% |
Volatility (6M)Calculated over the trailing 6-month period | 29.61% | 31.36% | -1.75% |
Volatility (1Y)Calculated over the trailing 1-year period | 37.53% | 38.82% | -1.29% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 44.45% | 42.04% | +2.41% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 44.48% | 38.75% | +5.73% |
Dividends
PAYC vs. PYPL - Dividend Comparison
PAYC's dividend yield for the trailing twelve months is around 1.04%, more than PYPL's 0.63% yield.
| Position | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
PAYC Paycom Software, Inc. | 1.04% | 0.94% | 0.73% | 0.54% |
PYPL PayPal Holdings, Inc. | 0.63% | 0.24% | 0.00% | 0.00% |
Financials
PAYC vs. PYPL - Financials Comparison
This section allows you to compare key financial metrics between Paycom Software, Inc. and PayPal Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PAYC vs. PYPL - Profitability Comparison
PAYC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Paycom Software, Inc. reported a gross profit of 484.60M and revenue of 571.90M. Therefore, the gross margin over that period was 84.7%.
PYPL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PayPal Holdings, Inc. reported a gross profit of 3.81B and revenue of 8.35B. Therefore, the gross margin over that period was 45.6%.
PAYC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Paycom Software, Inc. reported an operating income of 210.20M and revenue of 571.90M, resulting in an operating margin of 36.8%.
PYPL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PayPal Holdings, Inc. reported an operating income of 1.49B and revenue of 8.35B, resulting in an operating margin of 17.8%.
PAYC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Paycom Software, Inc. reported a net income of 155.70M and revenue of 571.90M, resulting in a net margin of 27.2%.
PYPL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PayPal Holdings, Inc. reported a net income of 1.11B and revenue of 8.35B, resulting in a net margin of 13.3%.
Frequently Asked Questions
PAYC and PYPL have a correlation of 0.39, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PAYC has higher volatility (14.77%) compared to PYPL (8.86%). In terms of maximum drawdown, PAYC dropped -78.99% vs PYPL's -87.30%.
PYPL currently has the higher Sharpe Ratio (-0.95 vs -1.17), 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.
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