Comprehensive Stock Comparison
Compare Currenc Group, Inc. (CURR) vs PayPal Holdings, Inc. (PYPL) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | PYPL | 4.8% revenue growth vs CURR's -12.8% |
| Value | PYPL | Better valuation composite |
| Quality / Margins | PYPL | 15.7% net margin vs CURR's -85.0% |
| Stability / Safety | CURR | Beta 0.57 vs PYPL's 1.30 |
| Dividends | PYPL | 0.3% yield; 1-year raise streak; CURR pays no meaningful dividend |
| Momentum (1Y) | CURR | +7.7% vs PYPL's -34.8% |
| Efficiency (ROA) | PYPL | 6.5% ROA vs CURR's -39.2% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Currenc Group operates a fintech banking platform focused on cross-border financial services. It generates revenue primarily from remittance services — facilitating international money transfers — along with sales of mobile airtime top-ups and other financial services. The company's advantage lies in its specialized platform serving the Asian remittance market, particularly connecting Singapore with regional economies.
PayPal operates a global digital payments platform that enables online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders. It generates revenue primarily from transaction fees — taking a percentage of each payment processed — with additional income from value-added services like PayPal Credit and merchant solutions. Its competitive advantage lies in its massive two-sided network of over 400 million active accounts and merchants, creating powerful network effects that make it difficult for competitors to displace.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
PYPL leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). CURR leads in 1 (Total Returns). 1 tied.
Financial Metrics (TTM)
PYPL is the larger business by revenue, generating $33.3B annually — 717.9x CURR's $46M. PYPL is the more profitable business, keeping 15.7% of every revenue dollar as net income compared to CURR's -85.0%.
| Metric | CURRCurrenc Group, In… | PYPLPayPal Holdings, … |
|---|---|---|
| RevenueTrailing 12 months | $46M | $33.3B |
| EBITDAEarnings before interest/tax | -$11M | $7.2B |
| Net IncomeAfter-tax profit | -$34M | $5.2B |
| Free Cash FlowCash after capex | $2M | $5.6B |
| Gross MarginGross profit ÷ Revenue | +31.4% | +47.0% |
| Operating MarginEBIT ÷ Revenue | -59.0% | +19.7% |
| Net MarginNet income ÷ Revenue | -85.0% | +15.7% |
| FCF MarginFCF ÷ Revenue | +6.2% | +16.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +139.7% | +37.8% |
Valuation Metrics
| Metric | CURRCurrenc Group, In… | PYPLPayPal Holdings, … |
|---|---|---|
| Market CapShares × price | $160M | $42.5B |
| Enterprise ValueMkt cap + debt − cash | $119M | $44.5B |
| Trailing P/EPrice ÷ TTM EPS | -2.03x | 8.54x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 8.68x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.96x |
| EV / EBITDAEnterprise value multiple | — | 5.90x |
| Price / SalesMarket cap ÷ Revenue | 3.45x | 1.28x |
| Price / BookPrice ÷ Book value/share | — | 2.21x |
| Price / FCFMarket cap ÷ FCF | 55.72x | 7.64x |
Profitability & Efficiency
PYPL delivers a 25.8% return on equity — every $100 of shareholder capital generates $26 in annual profit, vs $-138 for CURR. On the Piotroski fundamental quality scale (0–9), PYPL scores 8/9 vs CURR's 6/9, reflecting strong financial health.
| Metric | CURRCurrenc Group, In… | PYPLPayPal Holdings, … |
|---|---|---|
| ROE (TTM)Return on equity | -138.2% | +25.8% |
| ROA (TTM)Return on assets | -39.2% | +6.5% |
| ROICReturn on invested capital | — | +16.3% |
| ROCEReturn on capital employed | — | +19.6% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 8 |
| Debt / EquityFinancial leverage | — | 0.49x |
| Net DebtTotal debt minus cash | -$41M | $1.9B |
| Cash & Equiv.Liquid assets | $64M | $8.0B |
| Total DebtShort + long-term debt | $22M | $10.0B |
| Interest CoverageEBIT ÷ Interest expense | -10.70x | 12.25x |
Total Returns (with DRIP)
A $10,000 investment in CURR five years ago would be worth $16,855 today (with dividends reinvested), compared to $1,694 for PYPL. Over the past 12 months, CURR leads with a +7.7% total return vs PYPL's -34.8%. The 3-year compound annual growth rate (CAGR) favors CURR at 146.8% vs PYPL's -14.3% — a key indicator of consistent wealth creation.
| Metric | CURRCurrenc Group, In… | PYPLPayPal Holdings, … |
|---|---|---|
| YTD ReturnYear-to-date | +10.3% | -20.5% |
| 1-Year ReturnPast 12 months | +7.7% | -34.8% |
| 3-Year ReturnCumulative with dividends | +1403.6% | -37.0% |
| 5-Year ReturnCumulative with dividends | +68.5% | -83.1% |
| 10-Year ReturnCumulative with dividends | +2.0% | +21.5% |
| CAGR (3Y)Annualised 3-year return | +146.8% | -14.3% |
Risk & Volatility
CURR is the less volatile stock with a 0.57 beta — it tends to amplify market swings less than PYPL's 1.30 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PYPL currently trades 58.1% from its 52-week high vs CURR's 44.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CURRCurrenc Group, In… | PYPLPayPal Holdings, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.57x | 1.30x |
| 52-Week HighHighest price in past year | $4.68 | $79.50 |
| 52-Week LowLowest price in past year | $0.33 | $38.46 |
| % of 52W HighCurrent price vs 52-week peak | +44.7% | +58.1% |
| RSI (14)Momentum oscillator 0–100 | 62.8 | 46.2 |
| Avg Volume (50D)Average daily shares traded | 184K | 18.5M |
Analyst Outlook
Consensus price targets imply 67.5% upside for CURR (target: $4) vs 14.8% for PYPL (target: $53). PYPL is the only dividend payer here at 0.29% yield — a key consideration for income-focused portfolios.
| Metric | CURRCurrenc Group, In… | PYPLPayPal Holdings, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | $3.50 | $53.05 |
| # AnalystsCovering analysts | — | 69 |
| Dividend YieldAnnual dividend ÷ price | — | +0.3% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | — | $0.13 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +14.2% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Currenc Group, Inc. (CURR) | 100 | 70.87 | -29.1% |
| PayPal Holdings, In… (PYPL) | 100 | 46.37 | -53.6% |
Currenc Group, Inc. (CURR) returned +69% over 5 years vs PayPal Holdings, In… (PYPL)'s -83%. A $10,000 investment in CURR 5 years ago would be worth $16,855 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Currenc Group, Inc. (CURR) | $84165.00 | $46M | +55071.4% |
| PayPal Holdings, In… (PYPL) | $10.8B | $33.3B | +207.5% |
PayPal Holdings, Inc.'s revenue grew from $10.8B (2016) to $33.3B (2025) — a 13.3% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Currenc Group, Inc. (CURR) | -49.4% | -85.0% | -72.1% |
| PayPal Holdings, In… (PYPL) | 12.9% | 15.7% | +21.5% |
PayPal Holdings, Inc.'s net margin went from 13% (2016) to 16% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| PayPal Holdings, In… (PYPL) | 50.1 | 10.8 | -78.4% |
PayPal Holdings, Inc. has traded in a 11x–66x P/E range over 9 years; current trailing P/E is ~9x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Currenc Group, Inc. (CURR) | -0.18 | -1.03 | -472.2% |
| PayPal Holdings, In… (PYPL) | 1.15 | 5.41 | +370.4% |
PayPal Holdings, Inc.'s EPS grew from $1.15 (2016) to $5.41 (2025) — a 19% CAGR.
Chart 6Free Cash Flow — 5 Years
Currenc Group, Inc. generated $3M FCF in 2024 (-75% vs 2021). PayPal Holdings, Inc. generated $6B FCF in 2025 (+14% vs 2021).
CURR vs PYPL: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is CURR or PYPL a better buy right now?
PayPal Holdings, Inc. (PYPL) offers the better valuation at 8.5x trailing P/E (8.7x forward), making it the more compelling value choice. Analysts rate PayPal Holdings, Inc. (PYPL) a "Hold" — based on 69 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — CURR or PYPL?
Over the past 5 years, Currenc Group, Inc. (CURR) delivered a total return of +68.5%, compared to -83.1% for PayPal Holdings, Inc. (PYPL). A $10,000 investment in CURR five years ago would be worth approximately $17K today (assuming dividends reinvested). Over 10 years, the gap is even starker: PYPL returned +21.5% versus CURR's +2.0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — CURR or PYPL?
By beta (market sensitivity over 5 years), Currenc Group, Inc. (CURR) is the lower-risk stock at 0.57β versus PayPal Holdings, Inc.'s 1.30β — meaning PYPL is approximately 129% more volatile than CURR relative to the S&P 500.
04Which has better profit margins — CURR or PYPL?
PayPal Holdings, Inc. (PYPL) is the more profitable company, earning 15.7% net margin versus -85.0% for Currenc Group, Inc. — meaning it keeps 15.7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PYPL leads at 19.7% versus -59.0% for CURR. At the gross margin level — before operating expenses — PYPL leads at 47.0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
05Is CURR or PYPL more undervalued right now?
Analyst consensus price targets imply the most upside for CURR: 67.5% to $3.50.
06Which pays a better dividend — CURR or PYPL?
In this comparison, PYPL (0.3% yield) pays a dividend. CURR does not pay a meaningful dividend and should not be held primarily for income.
07Is CURR or PYPL better for a retirement portfolio?
For long-horizon retirement investors, Currenc Group, Inc. (CURR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.57)). Both have compounded well over 10 years (CURR: +2.0%, PYPL: +21.5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between CURR and PYPL?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: CURR is a small-cap quality compounder stock; PYPL is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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