XYZ vs. PAY
XYZ (Block, Inc) and PAY (Paymentus Holdings, Inc.) are both stocks. Both are in the Technology sector — XYZ in Software - Infrastructure, PAY in Information Technology Services. Over the past 5 years, XYZ returned -20.53%/yr vs -6.85%/yr for PAY. At a 0.48 correlation, their price movements are largely independent.
Performance
XYZ vs. PAY - Performance Comparison
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Returns By Period
In the year-to-date period, XYZ achieves a 6.81% return, which is significantly higher than PAY's -33.14% return.
XYZ
- 1D
- 0.62%
- 1M
- -0.37%
- YTD
- 6.81%
- 6M
- 7.37%
- 1Y
- 8.88%
- 3Y*
- 1.99%
- 5Y*
- -20.53%
- 10Y*
- 22.83%
PAY
- 1D
- 2.08%
- 1M
- -14.36%
- YTD
- -33.14%
- 6M
- -34.00%
- 1Y
- -38.73%
- 3Y*
- 27.37%
- 5Y*
- -6.85%
- 10Y*
- —
XYZ vs. PAY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
XYZ Block, Inc | 6.81% | -23.41% | 9.88% | 23.09% | -61.09% | -25.30% |
PAY Paymentus Holdings, Inc. | -33.14% | -3.31% | 82.82% | 123.10% | -77.10% | 21.63% |
Correlation
The correlation between XYZ and PAY is 0.40, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.40 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.38 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.48 |
Correlation (All Time) Calculated using the full available price history since May 26, 2021 | 0.48 |
Fundamentals
XYZ:
$41.54B
PAY:
$2.73B
XYZ:
$1.31
PAY:
$0.57
XYZ:
53.09
PAY:
36.87
XYZ:
0.01
PAY:
0.45
XYZ:
1.75
PAY:
2.13
XYZ:
1.91
PAY:
4.68
XYZ:
$24.48B
PAY:
$1.28B
XYZ:
$11.01B
PAY:
$316.55M
XYZ:
$2.42B
PAY:
$121.90M
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Return for Risk
XYZ vs. PAY — Risk / Return Rank
XYZ
PAY
XYZ vs. PAY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Block, Inc (XYZ) and Paymentus Holdings, Inc. (PAY). 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.
| XYZ | PAY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.95 | ||
| Sortino ratioReturn per unit of downside risk | +1.65 | ||
| Omega ratioGain probability vs. loss probability | 1.07 | 0.87 | +0.20 |
| Calmar ratioReturn relative to maximum drawdown | 0.23 | -0.82 | +1.05 |
| Martin ratioReturn relative to average drawdown | 0.52 | -1.53 | +2.05 |
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Drawdowns
XYZ vs. PAY - Drawdown Comparison
The maximum XYZ drawdown since its inception was -86.08%, which is greater than PAY's maximum drawdown of -80.78%. Use the drawdown chart below to compare losses from any high point for XYZ and PAY.
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Drawdown Indicators
| XYZ | PAY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -86.08% | -80.78% | -5.30% |
Max Drawdown (1Y)Largest decline over 1 year | -39.48% | -47.26% | +7.78% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -48.47% | -4.49% |
Max Drawdown (5Y)Largest decline over 5 years | -86.08% | -80.78% | -5.30% |
Max Drawdown (10Y)Largest decline over 10 years | -86.08% | — | — |
Current DrawdownCurrent decline from peak | -75.33% | -46.99% | -28.34% |
Average DrawdownAverage peak-to-trough decline | -41.05% | -41.65% | +0.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 17.15% | 25.37% | -8.22% |
Volatility
XYZ vs. PAY - Volatility Comparison
Block, Inc (XYZ) and Paymentus Holdings, Inc. (PAY) have volatilities of 12.79% and 12.31%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XYZ | PAY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.79% | 12.31% | +0.48% |
Volatility (6M)Calculated over the trailing 6-month period | 35.49% | 32.98% | +2.51% |
Volatility (1Y)Calculated over the trailing 1-year period | 46.91% | 51.47% | -4.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 59.99% | 62.30% | -2.31% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 56.70% | 62.48% | -5.78% |
Dividends
XYZ vs. PAY - Dividend Comparison
Neither XYZ nor PAY has paid dividends to shareholders.
Financials
XYZ vs. PAY - Financials Comparison
This section allows you to compare key financial metrics between Block, Inc and Paymentus 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
XYZ vs. PAY - Profitability Comparison
XYZ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a gross profit of 2.91B and revenue of 6.06B. Therefore, the gross margin over that period was 48.0%.
PAY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Paymentus Holdings, Inc. reported a gross profit of 86.23M and revenue of 358.44M. Therefore, the gross margin over that period was 24.1%.
XYZ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported an operating income of -171.99M and revenue of 6.06B, resulting in an operating margin of -2.8%.
PAY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Paymentus Holdings, Inc. reported an operating income of 26.55M and revenue of 358.44M, resulting in an operating margin of 7.4%.
XYZ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a net income of -308.68M and revenue of 6.06B, resulting in a net margin of -5.1%.
PAY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Paymentus Holdings, Inc. reported a net income of 20.88M and revenue of 358.44M, resulting in a net margin of 5.8%.
Frequently Asked Questions
XYZ and PAY have a correlation of 0.40, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
XYZ has higher volatility (12.79%) compared to PAY (12.31%). In terms of maximum drawdown, XYZ dropped -86.08% vs PAY's -80.78%.
XYZ currently has the higher Sharpe Ratio (0.19 vs -0.76), 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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