PYPL Stock Analysis: PayPal Holdings | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 39.977m USD | 12M Return: -22.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 754M
EPS Trend: 52.7%
Qual. Beats: 1
Rev. Trend: 98.7%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
PayPal Holdings, Inc. (NASDAQ: PYPL) operates a global digital payments technology platform that connects merchants and consumers through a two-sided network. The company enables online and in-person transactions, fund transfers, and withdrawals using multiple funding sources, including bank accounts, account balances, credit and debit products, credit and debit cards, and cryptocurrencies. It offers services under brands such as PayPal, Venmo, Braintree, Xoom, Honey, and Paidy. Founded in 1998 and headquartered in San Jose, California, PayPal is classified within the Financials sector under the Transaction & Payment Processing Services sub-industry, a segment whose economics are driven by network effects between merchants and consumers on each side of the platform.
- Active accounts decline as competition from Apple Pay intensifies
- Take rate compresses on promotional pricing and competitive pressure
- Operating margin expansion accelerates on workforce restructuring savings
| Net Income: 5.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.50 > 1.0 |
| NWC/Revenue: 36.63% < 20% (prev 43.87%; Δ -7.23% < -1%) |
| CFO/TA 0.08 > 3% & CFO 6.39b > Net Income 5.06b |
| Net Debt (67.0m) to EBITDA (7.48b): 0.01 < 3 |
| Current Ratio: 1.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (920.0m) vs 12m ago -7.91% < -2% |
| Gross Margin: 46.12% > 18% (prev 46.77%; Δ -0.64% > 0.5%) |
| Asset Turnover: 41.69% > 50% (prev 39.24%; Δ 2.46% > 0%) |
| Interest Coverage Ratio: 14.54 > 6 (EBIT TTM 6.53b / Interest Expense TTM 449.0m) |
| A: 0.15 (Total Current Assets 60.0b - Total Current Liabilities 47.6b) / Total Assets 80.5b |
| B: 0.42 (Retained Earnings 33.5b / Total Assets 80.5b) |
| C: 0.08 (EBIT TTM 6.53b / Avg Total Assets 80.9b) |
| D: 0.33 (Book Value of Equity 20.0b / Total Liabilities 60.5b) |
| Altman-Z'' = 3.25 = A |
| DSRI: 0.97 (Receivables 48.9b/47.5b, Revenue 33.7b/31.9b) |
| GMI: 1.01 (GM 46.77% / 46.12%) |
| AQI: 0.99 (AQ_t 0.23 / AQ_t-1 0.24) |
| SGI: 1.06 (Revenue 33.7b / 31.9b) |
| TATA: -0.02 (NI 5.06b - CFO 6.39b) / TA 80.5b) |
| Beneish M = -3.00 (Cap -4..+1) = A |
As of July 18, 2026, the stock is trading at USD 56.56 with a total of 19,027,870 shares traded. Over the past week, the price has changed by +22.11%, over one month by +34.41%, over three months by +11.68% and over the past year by -22.76%.
Current recommended Stop Loss: 53.90 (which is 4.7% or 1.3 ATR below the current price).
PayPal Holdings has received a consensus analysts rating of 3.74. Therefore, it is recommended to hold PYPL.
- StrongBuy: 16
- Buy: 7
- Hold: 22
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 51.4 | -9.2% |
P/E Trailing = 8.3616
P/E Forward = 8.3893
P/S = 1.1851
P/B = 1.9617
P/EG = 0.8025
Revenue TTM = 33.7b USD
EBIT TTM = 6.53b USD
EBITDA TTM = 7.48b USD
Long Term Debt = 9.41b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 9.41b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 67.0m USD (calculated: Debt 9.41b - CCE 9.34b)
Enterprise Value = 40.0b USD (40.0b + Debt 9.41b - CCE 9.34b)
Interest Coverage Ratio = 14.54 (Ebit TTM 6.53b / Interest Expense TTM 449.0m)
EV/FCF = 7.27x (Enterprise Value 40.0b / FCF TTM 5.51b)
FCF Yield = 13.76% (FCF TTM 5.51b / Enterprise Value 40.0b)
FCF Margin = 16.34% (FCF TTM 5.51b / Revenue TTM 33.7b)
Net Margin = 15.00% (Net Income TTM 5.06b / Revenue TTM 33.7b)
Gross Margin = 46.12% ((Revenue TTM 33.7b - Cost of Revenue TTM 18.2b) / Revenue TTM)
Gross Margin QoQ = 45.61% (prev 46.50%)
Tobins Q-Ratio = 0.50 (Enterprise Value 40.0b / Total Assets 80.5b)
Interest Expense / Debt = 4.77% (Interest Expense 449.0m / Debt 9.41b)
Taxrate = 16.82% (1.02b / 6.08b)
NOPAT = 5.43b (EBIT 6.53b * (1 - 16.82%))
Current Ratio = 1.26 (Total Current Assets 60.0b / Total Current Liabilities 47.6b)
Debt / Equity = 0.47 (Debt 9.41b / totalStockholderEquity, last quarter 20.0b)
Debt / EBITDA = 0.01 (Net Debt 67.0m / EBITDA 7.48b)
Debt / FCF = 0.01 (Net Debt 67.0m / FCF TTM 5.51b)
Total Stockholder Equity = 20.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.25% (Net Income 5.06b / Total Assets 80.5b)
RoE = 25.08% (Net Income TTM 5.06b / Total Stockholder Equity 20.2b)
RoCE = 22.07% (EBIT 6.53b / Capital Employed (Equity 20.2b + L.T.Debt 9.41b))
RoIC = 17.39% (NOPAT 5.43b / Invested Capital 31.2b)
WACC = 9.91% (E(40.0b)/V(49.4b) * Re(11.31%) + D(9.41b)/V(49.4b) * Rd(4.77%) * (1-Tc(0.17)))
Discount Rate = 11.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.15 | Cagr: -7.03%
[DCF] Terminal Value 68.89% ; FCFF base≈5.69b ; Y1≈5.35b ; Y5≈4.96b
[DCF] Fair Price = 70.33 (EV 62.1b - Net Debt 67.0m = Equity 62.0b / Shares 882.1m; r=9.91% [WACC]; 5y FCF grow -7.66% → 2.50% )
EPS Correlation: 52.72 | EPS CAGR: 2.68% | SUE: 0.85 | # QB: 1
Revenue Correlation: 98.73 | Revenue CAGR: 5.88% | SUE: 2.48 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.28 | Chg30d=+0.02% | Revisions=-79% | Analysts=35
EPS next Quarter (2026-09-30): EPS=1.33 | Chg30d=+0.05% | Revisions=-13% | Analysts=33
EPS current Year (2026-12-31): EPS=5.31 | Chg30d=+0.11% | Revisions=-25% | GrowthEPS=+0.1% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=5.75 | Chg30d=-0.04% | Revisions=-40% | GrowthEPS=+8.3% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -52% (up=14, down=47)