PAYP Stock Analysis: PayPay American Depository | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 9.869m USD | 12M Return: -32.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 20.1M
Rev. Trend: 98.2%
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 0.3 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
PayPay Corporation is a Japanese financial technology firm operating a comprehensive digital finance platform. The company is structured into two primary segments: Payment and Financial Services. The Payment segment facilitates mobile settlements, credit services, and installment options via the PayPay application, while the Financial Services segment manages internet banking, securities intermediation, and automated investment tools.
The company utilizes a super-app business model, integrating high-frequency payment transactions with high-margin financial products like insurance and lending to increase customer lifetime value. In Japan’s fintech sector, this ecosystem approach is a common strategy to capture market share in a landscape traditionally dominated by cash transactions. Additional value-added services include marketing tools for merchants and specialized loan management systems.
For a deeper dive into these fundamentals, ValueRay offers additional data points worth exploring. Headquartered in Shinjuku, PayPay serves both individual consumers and enterprise merchants under its unified brand name.
- QR code payment volume growth drives Payment segment transaction revenue
- Financial Service segment margins expand through banking and securities cross-selling
- Japanese regulatory shifts on digital wage payments impact user acquisition
- Interest rate normalization in Japan boosts net interest income for banking unit
| Net Income: 115b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 3.39 > 1.0 |
| NWC/Revenue: 730.5% < 20% (prev -591.9%; Δ 1.32k% < -1%) |
| CFO/TA 0.07 > 3% & CFO 368b > Net Income 115b |
| Net Debt (222b) to EBITDA (113b): 1.97 < 3 |
| Current Ratio: 8.67 > 1.5 & < 3 |
| Outstanding Shares: last fiscal year (644.2m) vs prev 2.37% < -2% |
| Gross Margin: 78.02% > 18% (prev 85.80%; Δ -7.77% > 0.5%) |
| Asset Turnover: 8.07% > 50% (prev 7.22%; Δ 0.85% > 0%) |
| Interest Coverage Ratio: 12.08 > 6 (EBIT TTM 87.5b / Interest Expense TTM 7.25b) |
| A: 0.52 (Total Current Assets 3080b - Total Current Liabilities 355b) / Total Assets 5198b |
| B: 0.02 (Retained Earnings 110b / Total Assets 5198b) |
| C: 0.02 (EBIT TTM 87.5b / Avg Total Assets 4620b) |
| D: 0.08 (Book Value of Equity 396b / Total Liabilities 4766b) |
| Altman-Z'' = 3.72 = AA |
| DSRI: 2.13 (Receivables 2715b/999b, Revenue 373b/292b) |
| GMI: 1.10 (GM 85.80% / 78.02%) |
| AQI: 0.76 (AQ_t 0.40 / AQ_t-1 0.53) |
| SGI: 1.28 (Revenue 373b / 292b) |
| TATA: -0.05 (NI 115b - CFO 368b) / TA 5198b) |
| Beneish M = -1.96 (Cap -4..+1) = B |
As of June 30, 2026, the stock is trading at USD 14.56 with a total of 1,328,424 shares traded. Over the past week, the price has changed by +16.01%, over one month by -26.82%, over three months by -36.81% and over the past year by -32.12%.
Current recommended Stop Loss: 13.10 (which is 10% or 1.4 ATR below the current price).
PayPay American Depository has no consensus analysts rating.
P/E Trailing = 13.1351
P/E Forward = 16.8919
P/S = 0.0261
P/B = 3.8036
P/EG = 1.3429
Revenue TTM = 373b USD
EBIT TTM = 87.5b USD
EBITDA TTM = 113b USD
Long Term Debt = 568b USD (from longTermDebt, two quarters ago)
Short Term Debt = 355b USD (from shortTermDebt, last quarter)
Debt = 587b USD (from shortLongTermDebtTotal, last quarter) + Leases 10.1b
Net Debt = 222b USD (calculated: Debt 587b - CCE 365b)
Enterprise Value = 232b USD (9.87b + Debt 587b - CCE 365b)
Interest Coverage Ratio = 12.08 (Ebit TTM 87.5b / Interest Expense TTM 7.25b)
EV/FCF = 0.67x (Enterprise Value 232b / FCF TTM 348b)
FCF Yield = 150.0% (FCF TTM 348b / Enterprise Value 232b)
FCF Margin = 93.43% (FCF TTM 348b / Revenue TTM 373b)
Net Margin = 30.91% (Net Income TTM 115b / Revenue TTM 373b)
Gross Margin = 78.02% ((Revenue TTM 373b - Cost of Revenue TTM 82.0b) / Revenue TTM)
Gross Margin QoQ = 52.77% (prev 88.54%)
Tobins Q-Ratio = 0.04 (Enterprise Value 232b / Total Assets 5198b)
Interest Expense / Debt = 1.23% (Interest Expense 7.25b / Debt 587b)
Taxrate = 23.16% (4.44b / 19.2b)
NOPAT = 67.3b (EBIT 87.5b * (1 - 23.16%))
Current Ratio = 8.67 (Total Current Assets 3080b / Total Current Liabilities 355b)
Debt / Equity = 1.48 (Debt 587b / totalStockholderEquity, last quarter 396b)
Debt / EBITDA = 1.97 (Net Debt 222b / EBITDA 113b)
Debt / FCF = 0.64 (Net Debt 222b / FCF TTM 348b)
Total Stockholder Equity = 244b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.50% (Net Income 115b / Total Assets 5198b)
RoE = 47.29% (Net Income TTM 115b / Total Stockholder Equity 244b)
RoCE = 10.78% (EBIT 87.5b / Capital Employed (Equity 244b + L.T.Debt 568b))
RoIC = 1.30% (NOPAT 67.3b / Invested Capital 5180b)
WACC = 1.10% (E(9.87b)/V(597b) * Re(10.32%) + D(587b)/V(597b) * Rd(1.23%) * (1-Tc(0.23)))
Discount Rate = 10.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 50.71 | Cagr: 2.28%
[DCF] Terminal Value 77.97% ; FCFF base≈263b ; Y1≈301b ; Y5≈443b
[DCF] Fair Price = 9.52k (EV 6666b - Net Debt 222b = Equity 6443b / Shares 676.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
Revenue Correlation: 98.24 | Revenue CAGR: 27.57% | SUE: N/A | # QB: 0
EPS next Quarter (2026-09-30): EPS=28.74 | Chg30d=+0.00% | Revisions=+0% | Analysts=7
EPS current Year (2027-03-31): EPS=117.55 | Chg30d=-1.30% | Revisions=-20% | GrowthEPS=-34.8% | GrowthRev=+20.5%
EPS next Year (2028-03-31): EPS=155.74 | Chg30d=+0.00% | Revisions=+33% | GrowthEPS=+32.5% | GrowthRev=+18.1%
[Analyst] Revisions Ratio: +33%