PAYS vs. MMM
PAYS (PaySign, Inc.) and MMM (3M Company) are both stocks. PAYS operates in Software - Infrastructure (Technology), while MMM operates in Specialty Industrial Machinery (Industrials). Over the past 10 years, PAYS returned 42.66%/yr vs 4.08%/yr for MMM. At a 0.12 correlation, their price movements are largely independent.
Performance
PAYS vs. MMM - Performance Comparison
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Returns By Period
In the year-to-date period, PAYS achieves a 32.23% return, which is significantly higher than MMM's -4.36% return. Over the past 10 years, PAYS has outperformed MMM with an annualized return of 42.66%, while MMM has yielded a comparatively lower 4.08% annualized return.
PAYS
- 1D
- -7.97%
- 1M
- -0.58%
- YTD
- 32.23%
- 6M
- 29.47%
- 1Y
- 57.27%
- 3Y*
- 38.56%
- 5Y*
- 15.73%
- 10Y*
- 42.66%
MMM
- 1D
- -0.82%
- 1M
- 7.68%
- YTD
- -4.36%
- 6M
- -11.54%
- 1Y
- 4.29%
- 3Y*
- 24.75%
- 5Y*
- 1.02%
- 10Y*
- 4.08%
PAYS vs. MMM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PAYS PaySign, Inc. | 32.23% | 70.53% | 7.86% | 8.53% | 61.25% | -65.52% | -54.29% | 188.35% | 382.19% | 118.56% |
MMM 3M Company | -4.36% | 26.36% | 46.13% | -3.33% | -29.63% | 4.85% | 2.77% | -4.29% | -16.90% | 34.90% |
Correlation
The correlation between PAYS and MMM is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.13 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.24 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.24 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.18 |
Correlation (All Time) Calculated using the full available price history since Oct 11, 2007 | 0.12 |
The correlation between PAYS and MMM shifts across timeframes, from 0.12 (all time) to 0.24 (3 years), reflecting how their relationship changes across market environments.
Fundamentals
PAYS:
$415.56M
MMM:
$80.80B
PAYS:
$0.17
MMM:
$5.17
PAYS:
39.65
MMM:
29.36
PAYS:
4.51
MMM:
3.27
PAYS:
7.55
MMM:
24.76
PAYS:
$91.47M
MMM:
$25.02B
PAYS:
$46.93M
MMM:
$9.89B
PAYS:
$22.09M
MMM:
$5.28B
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Return for Risk
PAYS vs. MMM — Risk / Return Rank
PAYS
MMM
PAYS vs. MMM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for PaySign, Inc. (PAYS) 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.
| PAYS | MMM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.63 | ||
| Sortino ratioReturn per unit of downside risk | +1.14 | ||
| Omega ratioGain probability vs. loss probability | 1.21 | 1.05 | +0.16 |
| Calmar ratioReturn relative to maximum drawdown | 0.92 | 0.23 | +0.69 |
| Martin ratioReturn relative to average drawdown | 1.55 | 0.52 | +1.03 |
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
| PAYS | MMM | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.79 | 0.17 | +0.63 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.23 | 0.04 | +0.20 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.56 | 0.15 | +0.41 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.09 | 0.34 | -0.25 |
Drawdowns
PAYS vs. MMM - Drawdown Comparison
The maximum PAYS drawdown since its inception was -98.95%, which is greater than MMM's maximum drawdown of -59.10%. Use the drawdown chart below to compare losses from any high point for PAYS and MMM.
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Drawdown Indicators
| PAYS | MMM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.95% | -59.10% | -39.85% |
Max Drawdown (1Y)Largest decline over 1 year | -62.85% | -18.77% | -44.08% |
Max Drawdown (3Y)Largest decline over 3 years | -64.60% | -22.87% | -41.73% |
Max Drawdown (5Y)Largest decline over 5 years | -65.65% | -54.07% | -11.58% |
Max Drawdown (10Y)Largest decline over 10 years | -93.09% | -59.10% | -33.99% |
Current DrawdownCurrent decline from peak | -62.06% | -12.31% | -49.75% |
Average DrawdownAverage peak-to-trough decline | -69.40% | -16.11% | -53.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 37.04% | 8.33% | +28.71% |
Volatility
PAYS vs. MMM - Volatility Comparison
PaySign, Inc. (PAYS) has a higher volatility of 23.81% compared to 3M Company (MMM) at 7.35%. This indicates that PAYS'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
| PAYS | MMM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 23.81% | 7.35% | +16.46% |
Volatility (6M)Calculated over the trailing 6-month period | 51.41% | 19.45% | +31.96% |
Volatility (1Y)Calculated over the trailing 1-year period | 72.80% | 26.00% | +46.80% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 67.43% | 28.30% | +39.13% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 76.22% | 26.53% | +49.69% |
Dividends
PAYS vs. MMM - Dividend Comparison
PAYS has not paid dividends to shareholders, while MMM's dividend yield for the trailing twelve months is around 1.99%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MMM 3M Company | 1.99% | 1.82% | 16.27% | 5.49% | 4.97% | 3.33% | 3.36% | 3.26% | 2.86% | 2.00% | 2.49% | 2.72% |
PAYS PaySign, 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
PAYS vs. MMM - Financials Comparison
This section allows you to compare key financial metrics between PaySign, 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
PAYS vs. MMM - Profitability Comparison
PAYS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PaySign, Inc. reported a gross profit of 18.22M and revenue of 28.04M. Therefore, the gross margin over that period was 65.0%.
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%.
PAYS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PaySign, Inc. reported an operating income of 6.67M and revenue of 28.04M, resulting in an operating margin of 23.8%.
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%.
PAYS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PaySign, Inc. reported a net income of 5.44M and revenue of 28.04M, resulting in a net margin of 19.4%.
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
PAYS and MMM have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PAYS has higher volatility (23.81%) compared to MMM (7.35%). In terms of maximum drawdown, PAYS dropped -98.95% vs MMM's -59.10%.
PAYS currently has the higher Sharpe Ratio (0.79 vs 0.17), 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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