PAYO vs. PYPL
PAYO (Payoneer Global Inc.) and PYPL (PayPal Holdings, Inc.) are both stocks. PAYO operates in Software - Infrastructure (Technology), while PYPL operates in Credit Services (Financial Services). Over the past 3 years, PAYO returned 14.44%/yr vs -14.34%/yr for PYPL. At a 0.49 correlation, their price movements are largely independent.
Performance
PAYO vs. PYPL - 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 PYPL's -28.10% return.
PAYO
- 1D
- 0.57%
- 1M
- 42.91%
- YTD
- 25.62%
- 6M
- 26.98%
- 1Y
- 6.01%
- 3Y*
- 14.44%
- 5Y*
- —
- 10Y*
- —
PYPL
- 1D
- -1.51%
- 1M
- -5.39%
- YTD
- -28.10%
- 6M
- -29.35%
- 1Y
- -41.58%
- 3Y*
- -14.34%
- 5Y*
- -32.18%
- 10Y*
- 1.83%
PAYO vs. PYPL - 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% |
PYPL PayPal Holdings, Inc. | -28.10% | -31.44% | 38.98% | -13.77% | -62.23% | -34.88% |
Correlation
The correlation between PAYO and PYPL is 0.48, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.48 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.44 |
Correlation (All Time) Calculated using the full available price history since Jun 28, 2021 | 0.49 |
Fundamentals
PAYO:
$2.47B
PYPL:
$38.36B
PAYO:
$0.20
PYPL:
$5.31
PAYO:
35.98
PYPL:
7.86
PAYO:
2.43
PYPL:
1.18
PAYO:
3.75
PYPL:
1.92
PAYO:
$1.07B
PYPL:
$33.73B
PAYO:
$660.73M
PYPL:
$15.56B
PAYO:
$204.88M
PYPL:
$7.23B
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Return for Risk
PAYO vs. PYPL — Risk / Return Rank
PAYO
PYPL
PAYO vs. PYPL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Payoneer Global Inc. (PAYO) 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.
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 | PYPL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.19 | ||
| Sortino ratioReturn per unit of downside risk | +1.99 | ||
| Omega ratioGain probability vs. loss probability | 1.08 | 0.80 | +0.28 |
| Calmar ratioReturn relative to maximum drawdown | 0.14 | -0.84 | +0.98 |
| Martin ratioReturn relative to average drawdown | 0.25 | -1.41 | +1.67 |
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Drawdowns
PAYO vs. PYPL - Drawdown Comparison
The maximum PAYO drawdown since its inception was -69.06%, smaller than the maximum PYPL drawdown of -87.30%. Use the drawdown chart below to compare losses from any high point for PAYO and PYPL.
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Drawdown Indicators
| PAYO | PYPL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.06% | -87.30% | +18.24% |
Max Drawdown (1Y)Largest decline over 1 year | -42.45% | -49.92% | +7.47% |
Max Drawdown (3Y)Largest decline over 3 years | -61.36% | -57.34% | -4.02% |
Max Drawdown (5Y)Largest decline over 5 years | — | -87.30% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -87.30% | — |
Current DrawdownCurrent decline from peak | -36.68% | -86.36% | +49.68% |
Average DrawdownAverage peak-to-trough decline | -43.03% | -36.01% | -7.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 23.76% | 29.43% | -5.67% |
Volatility
PAYO vs. PYPL - Volatility Comparison
Payoneer Global Inc. (PAYO) has a higher volatility of 23.32% compared to PayPal Holdings, Inc. (PYPL) at 8.73%. This indicates that PAYO'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
| PAYO | PYPL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 23.32% | 8.73% | +14.59% |
Volatility (6M)Calculated over the trailing 6-month period | 43.74% | 32.07% | +11.67% |
Volatility (1Y)Calculated over the trailing 1-year period | 52.92% | 38.86% | +14.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 56.54% | 42.12% | +14.42% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 56.54% | 38.80% | +17.74% |
Dividends
PAYO vs. PYPL - Dividend Comparison
PAYO has not paid dividends to shareholders, while PYPL's dividend yield for the trailing twelve months is around 1.03%.
| Position | TTM | 2025 |
|---|---|---|
PAYO Payoneer Global Inc. | 0.00% | 0.00% |
PYPL PayPal Holdings, Inc. | 1.03% | 0.24% |
Financials
PAYO vs. PYPL - Financials Comparison
This section allows you to compare key financial metrics between Payoneer Global 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
PAYO vs. PYPL - 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%.
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%.
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%.
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%.
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%.
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
PAYO and PYPL have a correlation of 0.48, 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 PYPL (8.73%). In terms of maximum drawdown, PAYO dropped -69.06% vs PYPL's -87.30%.
PAYO currently has the higher Sharpe Ratio (0.11 vs -1.08), 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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