PAYS vs. TALK
PAYS (PaySign, Inc.) and TALK (Talkspace, Inc.) are both stocks. PAYS operates in Software - Infrastructure (Technology), while TALK operates in Medical Care Facilities (Healthcare). Over the past 5 years, PAYS returned 18.60%/yr vs -10.39%/yr for TALK. At a 0.22 correlation, their price movements are largely independent.
Performance
PAYS vs. TALK - Performance Comparison
Loading charts...
Returns By Period
The year-to-date returns for both stocks are quite close, with PAYS having a 44.47% return and TALK slightly lower at 43.25%.
PAYS
- 1D
- 1.36%
- 1M
- 10.71%
- YTD
- 44.47%
- 6M
- 42.26%
- 1Y
- 26.10%
- 3Y*
- 44.22%
- 5Y*
- 18.60%
- 10Y*
- 44.31%
TALK
- 1D
- -0.19%
- 1M
- 0.00%
- YTD
- 43.25%
- 6M
- 41.69%
- 1Y
- 88.41%
- 3Y*
- 62.14%
- 5Y*
- -10.39%
- 10Y*
- —
PAYS vs. TALK - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
PAYS PaySign, Inc. | 44.47% | 70.53% | 7.86% | 8.53% | 61.25% | -65.52% | -49.46% |
TALK Talkspace, Inc. | 43.25% | 17.48% | 21.65% | 316.19% | -69.02% | -81.78% | 8.10% |
Correlation
The correlation between PAYS and TALK is 0.19, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.19 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.22 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.25 |
Correlation (All Time) Calculated using the full available price history since Jul 30, 2020 | 0.22 |
Fundamentals
PAYS:
$454.00M
TALK:
$903.52M
PAYS:
$0.17
TALK:
$0.01
PAYS:
43.31
TALK:
766.61
PAYS:
0.37
TALK:
1.31
PAYS:
4.93
TALK:
3.76
PAYS:
8.25
TALK:
7.99
PAYS:
$91.47M
TALK:
$238.37M
PAYS:
$46.93M
TALK:
$100.68M
PAYS:
$22.09M
TALK:
$6.16M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
PAYS vs. TALK — Risk / Return Rank
PAYS
TALK
PAYS vs. TALK - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for PaySign, Inc. (PAYS) and Talkspace, Inc. (TALK). 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.
| PAYS | TALK | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.58 | ||
| Sortino ratioReturn per unit of downside risk | -1.85 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 1.39 | -0.24 |
| Calmar ratioReturn relative to maximum drawdown | 0.42 | 4.25 | -3.83 |
| Martin ratioReturn relative to average drawdown | 0.70 | 13.38 | -12.68 |
Loading charts...
Drawdowns
PAYS vs. TALK - Drawdown Comparison
The maximum PAYS drawdown since its inception was -98.95%, roughly equal to the maximum TALK drawdown of -95.17%. Use the drawdown chart below to compare losses from any high point for PAYS and TALK.
Loading charts...
Drawdown Indicators
| PAYS | TALK | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.95% | -95.17% | -3.78% |
Max Drawdown (1Y)Largest decline over 1 year | -62.85% | -20.91% | -41.94% |
Max Drawdown (3Y)Largest decline over 3 years | -64.60% | -56.35% | -8.25% |
Max Drawdown (5Y)Largest decline over 5 years | -64.60% | -93.41% | +28.81% |
Max Drawdown (10Y)Largest decline over 10 years | -93.09% | — | — |
Current DrawdownCurrent decline from peak | -58.55% | -57.02% | -1.53% |
Average DrawdownAverage peak-to-trough decline | -69.36% | -68.42% | -0.94% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 37.27% | 6.63% | +30.64% |
Volatility
PAYS vs. TALK - Volatility Comparison
PaySign, Inc. (PAYS) has a higher volatility of 16.38% compared to Talkspace, Inc. (TALK) at 0.94%. This indicates that PAYS's price experiences larger fluctuations and is considered to be riskier than TALK based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| PAYS | TALK | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.38% | 0.94% | +15.44% |
Volatility (6M)Calculated over the trailing 6-month period | 51.54% | 29.75% | +21.79% |
Volatility (1Y)Calculated over the trailing 1-year period | 71.98% | 45.74% | +26.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 67.42% | 68.95% | -1.53% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 75.98% | 64.64% | +11.34% |
Dividends
PAYS vs. TALK - Dividend Comparison
Neither PAYS nor TALK has paid dividends to shareholders.
Financials
PAYS vs. TALK - Financials Comparison
This section allows you to compare key financial metrics between PaySign, Inc. and Talkspace, 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
PAYS vs. TALK - 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%.
TALK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Talkspace, Inc. reported a gross profit of 25.62M and revenue of 61.68M. Therefore, the gross margin over that period was 41.5%.
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%.
TALK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Talkspace, Inc. reported an operating income of -7.13M and revenue of 61.68M, resulting in an operating margin of -11.6%.
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%.
TALK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Talkspace, Inc. reported a net income of -6.31M and revenue of 61.68M, resulting in a net margin of -10.2%.
Frequently Asked Questions
PAYS and TALK have a correlation of 0.19, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PAYS has higher volatility (16.38%) compared to TALK (0.94%). In terms of maximum drawdown, PAYS dropped -98.95% vs TALK's -95.17%.
TALK currently has the higher Sharpe Ratio (1.95 vs 0.37), 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.
Find the right allocation for PAYS and TALK
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer