PYPL Stock Analysis: PayPal Holdings | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 52.229m USD | 12M Return: -10.6% | US70450Y1038 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 685M
EPS Trend: 36.8%
Qual. Beats: 2
Rev. Trend: 99.0%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
Seasonality 11.1 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: 4.90b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 1.33 > 1.0 |
| NWC/Revenue: 40.85% < 20% (prev 45.92%; Δ -5.08% < -1%) |
| CFO/TA 0.09 > 3% & CFO 7.47b > Net Income 4.90b |
| Net Debt (2.96b) to EBITDA (7.37b): 0.40 < 3 |
| Current Ratio: 1.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (901.0m) vs 12m ago -7.78% < -2% |
| Gross Margin: 45.75% > 18% (prev 46.91%; Δ -1.16% > 0.5%) |
| Asset Turnover: 42.00% > 50% (prev 40.48%; Δ 1.52% > 0%) |
| Interest Coverage Ratio: 13.90 > 6 (EBIT TTM 6.41b / Interest Expense TTM 461.0m) |
| A: 0.17 (Total Current Assets 62.3b - Total Current Liabilities 48.4b) / Total Assets 82.7b |
| B: 0.42 (Retained Earnings 34.4b / Total Assets 82.7b) |
| C: 0.08 (EBIT TTM 6.41b / Avg Total Assets 81.3b) |
| D: 0.32 (Book Value of Equity 19.8b / Total Liabilities 62.9b) |
| Altman-Z'' = 3.32 = A |
| DSRI: 0.94 (Receivables 47.5b/47.8b, Revenue 34.1b/32.3b) |
| GMI: 1.03 (GM 46.91% / 45.75%) |
| AQI: 0.98 (AQ_t 0.23 / AQ_t-1 0.23) |
| SGI: 1.06 (Revenue 34.1b / 32.3b) |
| TATA: -0.03 (NI 4.90b - CFO 7.47b) / TA 82.7b) |
| Beneish M = -3.02 (Cap -4..+1) = AA |
As of August 17, 2026, the stock is trading at USD 61.66 with a total of 15,034,865 shares traded. Over the past week, the price has changed by +4.38%, over one month by +8.69%, over three months by +39.38% and over the past year by -10.55%.
Current recommended Stop Loss: 59.60 (which is 3.3% 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 | 59.2 | -4.1% |
P/E Trailing = 11.179
P/E Forward = 11.3122
P/S = 1.5188
P/B = 2.5496
P/EG = 1.0829
Revenue TTM = 34.1b USD
EBIT TTM = 6.41b USD
EBITDA TTM = 7.37b USD
Long Term Debt = 10.9b USD (from longTermDebt, last quarter)
Short Term Debt = 2.65b USD (from shortTermDebt, last quarter)
Debt = 14.2b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.96b USD (calculated: Debt 14.2b - CCE 11.3b)
Enterprise Value = 55.2b USD (52.2b + Debt 14.2b - CCE 11.3b)
Interest Coverage Ratio = 13.90 (Ebit TTM 6.41b / Interest Expense TTM 461.0m)
EV/FCF = 8.38x (Enterprise Value 55.2b / FCF TTM 6.59b)
FCF Yield = 11.93% (FCF TTM 6.59b / Enterprise Value 55.2b)
FCF Margin = 19.30% (FCF TTM 6.59b / Revenue TTM 34.1b)
Net Margin = 14.36% (Net Income TTM 4.90b / Revenue TTM 34.1b)
Gross Margin = 45.75% ((Revenue TTM 34.1b - Cost of Revenue TTM 18.5b) / Revenue TTM)
Gross Margin QoQ = 44.92% (prev 45.61%)
Tobins Q-Ratio = 0.67 (Enterprise Value 55.2b / Total Assets 82.7b)
Interest Expense / Debt = 3.24% (Interest Expense 461.0m / Debt 14.2b)
Taxrate = 16.39% (961.0m / 5.86b)
NOPAT = 5.36b (EBIT 6.41b * (1 - 16.39%))
Current Ratio = 1.29 (Total Current Assets 62.3b / Total Current Liabilities 48.4b)
Debt / Equity = 0.72 (Debt 14.2b / totalStockholderEquity, last quarter 19.8b)
Debt / EBITDA = 0.40 (Net Debt 2.96b / EBITDA 7.37b)
Debt / FCF = 0.45 (Net Debt 2.96b / FCF TTM 6.59b)
Total Stockholder Equity = 20.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.03% (Net Income 4.90b / Total Assets 82.7b)
RoE = 24.42% (Net Income TTM 4.90b / Total Stockholder Equity 20.1b)
RoCE = 20.69% (EBIT 6.41b / Capital Employed (Equity 20.1b + L.T.Debt 10.9b))
RoIC = 15.19% (NOPAT 5.36b / Invested Capital 35.3b)
WACC = 9.02% (E(52.2b)/V(66.4b) * Re(10.74%) + D(14.2b)/V(66.4b) * Rd(3.24%) * (1-Tc(0.16)))
Discount Rate = 10.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.14 | Cagr: -7.43%
[DCF] Terminal Value 75.83% ; FCFF base≈6.07b ; Y1≈6.96b ; Y5≈10.2b
[DCF] Fair Price = 156.4 (EV 138b - Net Debt 2.96b = Equity 135b / Shares 862.0m; r=9.02% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 36.81 | EPS CAGR: 1.41% | SUE: 1.26 | # QB: 2
Revenue Correlation: 99.03 | Revenue CAGR: 5.52% | SUE: 1.49 | # QB: 2
EPS current Quarter (2026-09-30): EPS=1.32 | Chg30d=-0.99% | Revisions=-12% | Analysts=35
EPS current Year (2026-12-31): EPS=5.38 | Chg30d=+1.29% | Revisions=+76% | GrowthEPS=+1.4% | GrowthRev=+4.6%
EPS next Year (2027-12-31): EPS=5.79 | Chg30d=+0.66% | Revisions=+34% | GrowthEPS=+7.6% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +40% (up=63, down=26)