TALK vs. PAYS
TALK (Talkspace, Inc.) and PAYS (PaySign, Inc.) are both stocks. TALK operates in Medical Care Facilities (Healthcare), while PAYS operates in Software - Infrastructure (Technology). Over the past 5 years, TALK returned -12.14%/yr vs 17.53%/yr for PAYS. At a 0.22 correlation, their price movements are largely independent.
Performance
TALK vs. PAYS - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with TALK having a 43.80% return and PAYS slightly lower at 43.69%.
TALK
- 1D
- -0.19%
- 1M
- 0.58%
- YTD
- 43.80%
- 6M
- 70.03%
- 1Y
- 55.82%
- 3Y*
- 71.77%
- 5Y*
- -12.14%
- 10Y*
- —
PAYS
- 1D
- -4.52%
- 1M
- 7.87%
- YTD
- 43.69%
- 6M
- 46.53%
- 1Y
- 67.80%
- 3Y*
- 42.45%
- 5Y*
- 17.53%
- 10Y*
- 43.85%
TALK vs. PAYS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
TALK Talkspace, Inc. | 43.80% | 17.48% | 21.65% | 316.19% | -69.02% | -81.78% | 7.03% |
PAYS PaySign, Inc. | 43.69% | 70.53% | 7.86% | 8.53% | 61.25% | -65.52% | -49.84% |
Correlation
The correlation between TALK and PAYS is 0.16, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.16 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.21 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.25 |
Correlation (All Time) Calculated using the full available price history since Jul 31, 2020 | 0.22 |
Fundamentals
TALK:
$906.99M
PAYS:
$451.56M
TALK:
$0.01
PAYS:
$0.17
TALK:
769.56
PAYS:
43.08
TALK:
1.31
PAYS:
0.36
TALK:
3.77
PAYS:
4.90
TALK:
8.02
PAYS:
8.21
TALK:
$238.37M
PAYS:
$91.47M
TALK:
$100.68M
PAYS:
$46.93M
TALK:
$6.16M
PAYS:
$22.09M
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Return for Risk
TALK vs. PAYS — Risk / Return Rank
TALK
PAYS
TALK vs. PAYS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Talkspace, Inc. (TALK) and PaySign, Inc. (PAYS). 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.
| TALK | PAYS | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.18 | 0.94 | +0.23 |
Sortino ratioReturn per unit of downside risk | 1.97 | 1.73 | +0.25 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.24 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.90 | 1.05 | +0.85 |
Martin ratioReturn relative to average drawdown | 4.44 | 1.79 | +2.65 |
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
| TALK | PAYS | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.18 | 0.94 | +0.23 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.18 | 0.26 | -0.44 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.58 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.17 | 0.09 | -0.26 |
Drawdowns
TALK vs. PAYS - Drawdown Comparison
The maximum TALK drawdown since its inception was -95.17%, roughly equal to the maximum PAYS drawdown of -98.95%. Use the drawdown chart below to compare losses from any high point for TALK and PAYS.
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Drawdown Indicators
| TALK | PAYS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -95.17% | -98.95% | +3.78% |
Max Drawdown (1Y)Largest decline over 1 year | -33.43% | -62.85% | +29.42% |
Max Drawdown (3Y)Largest decline over 3 years | -56.35% | -64.60% | +8.25% |
Max Drawdown (5Y)Largest decline over 5 years | -94.16% | -65.65% | -28.51% |
Max Drawdown (10Y)Largest decline over 10 years | — | -93.09% | — |
Current DrawdownCurrent decline from peak | -56.86% | -58.77% | +1.91% |
Average DrawdownAverage peak-to-trough decline | -68.58% | -69.40% | +0.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 14.34% | 37.02% | -22.68% |
Volatility
TALK vs. PAYS - Volatility Comparison
The current volatility for Talkspace, Inc. (TALK) is 0.89%, while PaySign, Inc. (PAYS) has a volatility of 22.17%. This indicates that TALK experiences smaller price fluctuations and is considered to be less risky than PAYS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TALK | PAYS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.89% | 22.17% | -21.28% |
Volatility (6M)Calculated over the trailing 6-month period | 32.26% | 50.86% | -18.60% |
Volatility (1Y)Calculated over the trailing 1-year period | 47.95% | 72.33% | -24.38% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 69.27% | 67.33% | +1.94% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 64.96% | 76.19% | -11.23% |
Dividends
TALK vs. PAYS - Dividend Comparison
Neither TALK nor PAYS has paid dividends to shareholders.
Financials
TALK vs. PAYS - Financials Comparison
This section allows you to compare key financial metrics between Talkspace, Inc. and PaySign, 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
TALK vs. PAYS - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.
Frequently Asked Questions
TALK and PAYS have a correlation of 0.16, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PAYS has higher volatility (22.17%) compared to TALK (0.89%). In terms of maximum drawdown, TALK dropped -95.17% vs PAYS's -98.95%.
TALK currently has the higher Sharpe Ratio (1.18 vs 0.94), 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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