PYPL vs. LSPD
PYPL (PayPal Holdings, Inc.) and LSPD (Lightspeed Commerce Inc) are both stocks. PYPL operates in Credit Services (Financial Services), while LSPD operates in Software - Application (Technology). Over the past 5 years, PYPL returned -31.18%/yr vs -33.15%/yr for LSPD. A 0.51 correlation means they provide meaningful diversification when combined.
Performance
PYPL vs. LSPD - Performance Comparison
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Returns By Period
In the year-to-date period, PYPL achieves a -28.41% return, which is significantly lower than LSPD's -20.28% return.
PYPL
- 1D
- 0.70%
- 1M
- -7.88%
- YTD
- -28.41%
- 6M
- -32.22%
- 1Y
- -44.01%
- 3Y*
- -12.98%
- 5Y*
- -31.18%
- 10Y*
- 1.21%
LSPD
- 1D
- -0.93%
- 1M
- 8.45%
- YTD
- -20.28%
- 6M
- -20.68%
- 1Y
- -16.26%
- 3Y*
- -16.28%
- 5Y*
- -33.15%
- 10Y*
- —
PYPL vs. LSPD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
PYPL PayPal Holdings, Inc. | -28.41% | -31.44% | 38.98% | -13.77% | -62.23% | -19.48% | 116.51% | 5.31% |
LSPD Lightspeed Commerce Inc | -20.28% | -20.68% | -27.44% | 46.78% | -64.63% | -42.56% | 151.62% | -15.04% |
Correlation
The correlation between PYPL and LSPD is 0.50, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.50 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.47 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.57 |
Correlation (All Time) Calculated using the full available price history since Aug 13, 2019 | 0.51 |
The correlation between PYPL and LSPD has been stable across timeframes, ranging from 0.47 to 0.57 - a consistent structural relationship.
Fundamentals
PYPL:
$38.21B
LSPD:
$1.34B
PYPL:
$5.31
LSPD:
-$1.04
PYPL:
1.17
LSPD:
1.09
PYPL:
1.91
LSPD:
0.90
PYPL:
$33.73B
LSPD:
$1.23B
PYPL:
$15.56B
LSPD:
$451.95M
PYPL:
$7.23B
LSPD:
-$1.76M
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Return for Risk
PYPL vs. LSPD — Risk / Return Rank
PYPL
LSPD
PYPL vs. LSPD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for PayPal Holdings, Inc. (PYPL) and Lightspeed Commerce Inc (LSPD). 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.
| PYPL | LSPD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.74 | ||
| Sortino ratioReturn per unit of downside risk | -1.23 | ||
| Omega ratioGain probability vs. loss probability | 0.79 | 0.96 | -0.18 |
| Calmar ratioReturn relative to maximum drawdown | -0.88 | -0.41 | -0.47 |
| Martin ratioReturn relative to average drawdown | -1.54 | -0.72 | -0.82 |
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Drawdowns
PYPL vs. LSPD - Drawdown Comparison
The maximum PYPL drawdown since its inception was -87.30%, smaller than the maximum LSPD drawdown of -93.68%. Use the drawdown chart below to compare losses from any high point for PYPL and LSPD.
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Drawdown Indicators
| PYPL | LSPD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -87.30% | -93.68% | +6.38% |
Max Drawdown (1Y)Largest decline over 1 year | -49.92% | -39.48% | -10.44% |
Max Drawdown (3Y)Largest decline over 3 years | -57.34% | -62.75% | +5.41% |
Max Drawdown (5Y)Largest decline over 5 years | -87.30% | -93.68% | +6.38% |
Max Drawdown (10Y)Largest decline over 10 years | -87.30% | — | — |
Current DrawdownCurrent decline from peak | -86.42% | -92.26% | +5.84% |
Average DrawdownAverage peak-to-trough decline | -35.90% | -64.39% | +28.49% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 28.60% | 22.69% | +5.91% |
Volatility
PYPL vs. LSPD - Volatility Comparison
The current volatility for PayPal Holdings, Inc. (PYPL) is 7.01%, while Lightspeed Commerce Inc (LSPD) has a volatility of 13.30%. This indicates that PYPL experiences smaller price fluctuations and is considered to be less risky than LSPD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PYPL | LSPD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.01% | 13.30% | -6.29% |
Volatility (6M)Calculated over the trailing 6-month period | 31.72% | 28.31% | +3.41% |
Volatility (1Y)Calculated over the trailing 1-year period | 39.10% | 42.62% | -3.52% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 42.08% | 61.71% | -19.63% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.77% | 72.27% | -33.50% |
Dividends
PYPL vs. LSPD - Dividend Comparison
PYPL's dividend yield for the trailing twelve months is around 1.01%, while LSPD has not paid dividends to shareholders.
| Position | TTM | 2025 |
|---|---|---|
LSPD Lightspeed Commerce Inc | 0.00% | 0.00% |
PYPL PayPal Holdings, Inc. | 1.01% | 0.24% |
Financials
PYPL vs. LSPD - Financials Comparison
This section allows you to compare key financial metrics between PayPal Holdings, Inc. and Lightspeed Commerce 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
PYPL vs. LSPD - Profitability Comparison
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%.
LSPD - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Lightspeed Commerce Inc reported a gross profit of 90.13M and revenue of 286.77M. Therefore, the gross margin over that period was 31.4%.
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%.
LSPD - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Lightspeed Commerce Inc reported an operating income of -33.49M and revenue of 286.77M, resulting in an operating margin of -11.7%.
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%.
LSPD - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Lightspeed Commerce Inc reported a net income of -28.17M and revenue of 286.77M, resulting in a net margin of -9.8%.
Frequently Asked Questions
PYPL and LSPD have a correlation of 0.50, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LSPD has higher volatility (13.30%) compared to PYPL (7.01%). In terms of maximum drawdown, PYPL dropped -87.30% vs LSPD's -93.68%.
LSPD currently has the higher Sharpe Ratio (-0.39 vs -1.13), 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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