PYPL Stock Analysis: PayPal Holdings | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 47.427m USD | 12M Return: -15% | US70450Y1038 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 595M
EPS Trend: 36.8%
Qual. Beats: 2
Rev. Trend: 99.0%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.2 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 links merchants and consumers through a two-sided network, enabling online and in-person transactions, money transfers, and fund withdrawals. The platform supports a wide range of funding sources, including bank accounts, PayPal and Venmo balances, credit and debit cards, consumer credit products, cryptocurrencies, and stored value options such as gift cards. PayPal offers its services under multiple brands, including PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy. The company was founded in 1998 and is headquartered in San Jose, California.
Operating within the Transaction & Payment Processing Services sub-industry of the Financials sector, PayPal generates revenue primarily by charging fees to merchants for payment processing, while also earning income from consumer-related services such as instant transfers, currency conversion, and credit products. Its large-cap status reflects its scale and established position in the competitive digital payments landscape, which includes traditional card networks, banks, and other fintech operators.
- Venmo monetization accelerates with ads and commerce features
- Branded payment volume declines pressure take rate and margins
- Competition from Apple Pay and Block pressures market share
| 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 (7.74b): 0.38 < 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: 14.69 > 6 (EBIT TTM 6.77b / 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 6.77b / Avg Total Assets 81.3b) |
| D: 0.32 (Book Value of Equity 19.8b / Total Liabilities 62.9b) |
| Altman-Z'' = 3.35 = 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 October 17, 2026, the stock is trading at USD 57.16 with a total of 9,056,278 shares traded. Over the past week, the price has changed by +3.89%, over one month by +6.23%, over three months by +3.21% and over the past year by -14.98%.
Current recommended Stop Loss: 55.40 (which is 3.1% or 1.3 ATR below the current price).
PayPal Holdings has received a consensus analysts rating of 3.12. Therefore, it is recommended to hold PYPL.
- StrongBuy: 4
- Buy: 3
- Hold: 32
- Sell: 0
- StrongSell: 3
| Analysts Target Price | 56.9 | -0.4% |
P/E Trailing = 10.4008
P/E Forward = 9.0662
P/S = 1.3791
P/B = 2.2664
P/EG = 0.9268
Revenue TTM = 34.1b USD
EBIT TTM = 6.77b USD
EBITDA TTM = 7.74b 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 = 50.4b USD (47.4b + Debt 14.2b - CCE 11.3b)
Interest Coverage Ratio = 14.69 (Ebit TTM 6.77b / Interest Expense TTM 461.0m)
EV/FCF = 7.65x (Enterprise Value 50.4b / FCF TTM 6.59b)
FCF Yield = 13.07% (FCF TTM 6.59b / Enterprise Value 50.4b)
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 = 0.61 (Enterprise Value 50.4b / Total Assets 82.7b)
Interest Expense / Debt = 3.24% (Interest Expense 461.0m / Debt 14.2b)
Taxrate = 16.39% (961.0m / 5.86b)
NOPAT = 5.66b (EBIT 6.77b * (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 = 0.38 (Net Debt 2.96b / EBITDA 7.74b)
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 = 21.87% (EBIT 6.77b / Capital Employed (Equity 20.1b + L.T.Debt 10.9b))
RoIC = 16.06% (NOPAT 5.66b / Invested Capital 35.3b)
WACC = 8.80% (E(47.4b)/V(61.6b) * Re(10.62%) + D(14.2b)/V(61.6b) * Rd(3.24%) * (1-Tc(0.16)))
Discount Rate = 10.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.14 | Cagr: -7.43%
[DCF] Terminal Value 76.54% ; FCFF base≈6.07b ; Y1≈6.96b ; Y5≈10.2b
[DCF] Fair Price = 162.3 (EV 143b - Net Debt 2.96b = Equity 140b / Shares 862.0m; r=8.80% [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=1.31 | Chg30d=-0.02% | Revisions=-22% | Analysts=36
EPS current Year (2026-12-31): EPS=5.39 | Chg30d=+0.06% | Revisions=+18% | GrowthEPS=+1.5% | GrowthRev=+4.8%
EPS next Year (2027-12-31): EPS=5.78 | Chg30d=-0.09% | Revisions=+10% | GrowthEPS=+7.3% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -9% (up=20, down=24)