PAYO vs. MMM
PAYO (Payoneer Global Inc.) and MMM (3M Company) are both stocks. PAYO operates in Software - Infrastructure (Technology), while MMM operates in Conglomerates (Industrials). Over the past 3 years, PAYO returned 14.44%/yr vs 28.24%/yr for MMM. At a 0.28 correlation, their price movements are largely independent.
Performance
PAYO vs. MMM - Performance Comparison
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Returns By Period
In the year-to-date period, PAYO achieves a 25.62% return, which is significantly higher than MMM's 2.07% return.
PAYO
- 1D
- 0.57%
- 1M
- 42.91%
- YTD
- 25.62%
- 6M
- 26.98%
- 1Y
- 6.01%
- 3Y*
- 14.44%
- 5Y*
- —
- 10Y*
- —
MMM
- 1D
- -0.85%
- 1M
- 6.17%
- YTD
- 2.07%
- 6M
- 2.03%
- 1Y
- 11.70%
- 3Y*
- 28.24%
- 5Y*
- 3.66%
- 10Y*
- 4.71%
PAYO vs. MMM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
PAYO Payoneer Global Inc. | 25.62% | -44.02% | 92.71% | -4.75% | -25.58% | -34.08% |
MMM 3M Company | 2.07% | 26.36% | 46.13% | -3.33% | -29.63% | -7.35% |
Correlation
The correlation between PAYO and MMM is 0.21, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.21 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.28 |
Correlation (All Time) Calculated using the full available price history since Jun 28, 2021 | 0.28 |
Fundamentals
PAYO:
$2.47B
MMM:
$86.23B
PAYO:
$0.20
MMM:
$5.17
PAYO:
35.98
MMM:
31.33
PAYO:
2.43
MMM:
3.49
PAYO:
3.75
MMM:
26.43
PAYO:
$1.07B
MMM:
$25.02B
PAYO:
$660.73M
MMM:
$9.89B
PAYO:
$204.88M
MMM:
$5.28B
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Return for Risk
PAYO vs. MMM — Risk / Return Rank
PAYO
MMM
PAYO vs. MMM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Payoneer Global Inc. (PAYO) and 3M Company (MMM). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| PAYO | MMM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.34 | ||
| Sortino ratioReturn per unit of downside risk | -0.26 | ||
| Omega ratioGain probability vs. loss probability | 1.08 | 1.10 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 0.14 | 0.63 | -0.48 |
| Martin ratioReturn relative to average drawdown | 0.25 | 1.37 | -1.12 |
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Drawdowns
PAYO vs. MMM - Drawdown Comparison
The maximum PAYO drawdown since its inception was -69.06%, which is greater than MMM's maximum drawdown of -59.10%. Use the drawdown chart below to compare losses from any high point for PAYO and MMM.
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Drawdown Indicators
| PAYO | MMM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.06% | -59.10% | -9.96% |
Max Drawdown (1Y)Largest decline over 1 year | -42.45% | -18.77% | -23.68% |
Max Drawdown (3Y)Largest decline over 3 years | -61.36% | -22.87% | -38.49% |
Max Drawdown (5Y)Largest decline over 5 years | — | -53.34% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -59.10% | — |
Current DrawdownCurrent decline from peak | -36.68% | -6.42% | -30.26% |
Average DrawdownAverage peak-to-trough decline | -43.03% | -16.10% | -26.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 23.76% | 8.55% | +15.21% |
Volatility
PAYO vs. MMM - Volatility Comparison
Payoneer Global Inc. (PAYO) has a higher volatility of 23.32% compared to 3M Company (MMM) at 4.83%. This indicates that PAYO's price experiences larger fluctuations and is considered to be riskier than MMM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PAYO | MMM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 23.32% | 4.83% | +18.49% |
Volatility (6M)Calculated over the trailing 6-month period | 43.74% | 19.29% | +24.45% |
Volatility (1Y)Calculated over the trailing 1-year period | 52.92% | 25.88% | +27.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 56.54% | 28.31% | +28.23% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 56.54% | 26.54% | +30.00% |
Dividends
PAYO vs. MMM - Dividend Comparison
PAYO has not paid dividends to shareholders, while MMM's dividend yield for the trailing twelve months is around 1.87%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MMM 3M Company | 1.87% | 1.82% | 16.27% | 5.49% | 4.97% | 3.33% | 3.36% | 3.26% | 2.86% | 2.00% | 2.49% | 2.72% |
PAYO Payoneer Global Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
PAYO vs. MMM - Financials Comparison
This section allows you to compare key financial metrics between Payoneer Global Inc. and 3M Company. 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
PAYO vs. MMM - Profitability Comparison
PAYO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported a gross profit of 0.00 and revenue of 261.60M. Therefore, the gross margin over that period was 0.0%.
MMM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, 3M Company reported a gross profit of 2.46B and revenue of 6.03B. Therefore, the gross margin over that period was 40.7%.
PAYO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported an operating income of 30.02M and revenue of 261.60M, resulting in an operating margin of 11.5%.
MMM - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, 3M Company reported an operating income of 1.40B and revenue of 6.03B, resulting in an operating margin of 23.2%.
PAYO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported a net income of 19.57M and revenue of 261.60M, resulting in a net margin of 7.5%.
MMM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, 3M Company reported a net income of 653.00M and revenue of 6.03B, resulting in a net margin of 10.8%.
Frequently Asked Questions
PAYO and MMM have a correlation of 0.21, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PAYO has higher volatility (23.32%) compared to MMM (4.83%). In terms of maximum drawdown, PAYO dropped -69.06% vs MMM's -59.10%.
MMM currently has the higher Sharpe Ratio (0.46 vs 0.11), 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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