(PYPL) PayPal Holdings - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 39.611m USD | Total Return: -38.3% in 12m
Digital Payments, Money Transfers, Payment Processing, Digital Wallets
Total Rating 48
Safety 70
Buy Signal -0.41
Credit Services
Industry Rotation: -8.5
Industry Rotation: -8.5
Market Cap:
39.6B
Avg Turnover: 645M
Avg Turnover: 645M
Risk 3d forecast
Volatility34.9%
VaR 5th Pctl6.08%
VaR vs Median5.73%
Reward TTM
Sharpe Ratio-1.14
Rel. Str. IBD11.9
Rel. Str. Peer Group52.8
Character TTM
Beta1.471
Beta Downside1.632
Hurst Exponent0.572
Drawdowns 3y
Max DD57.34%
CAGR/Max DD-0.19
CAGR/Mean DD-0.52
EPS (Earnings per Share)
EPS CAGR: 10.23%
EPS Trend: 65.7%
EPS Trend: 65.7%
Last SUE: 0.90
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 5.61%
Rev. Trend: 92.8%
Rev. Trend: 92.8%
Last SUE: 2.48
Qual. Beats: 1
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: PYPL PayPal Holdings
PayPal Holdings, Inc. operates a global technology platform facilitating digital transactions through a two-sided network of merchants and consumers. The company’s infrastructure supports payment processing, fund transfers, and withdrawals across various funding sources, including traditional bank accounts, credit products, and cryptocurrencies. Its portfolio includes core brands such as PayPal, Venmo, Braintree, and Xoom.
The company functions within the Transaction & Payment Processing Services sub-industry, where revenue is primarily generated through transaction fees based on Total Payment Volume (TPV). As a leader in the fintech sector, PayPal competes in a market increasingly defined by the shift toward mobile wallets and the integration of buy-now-pay-later (BNPL) services.
For a deeper dive into these financial metrics, consider exploring the data available on ValueRay.
- Transaction margin compression driven by growth in unbranded processing services
- Venmo monetization velocity influences long-term revenue growth and platform engagement
- Competitive pressures from Apple Pay and Google Pay impact digital wallet share
- Global consumer discretionary spending levels dictate total payment volume growth
- Execution of cost reduction initiatives improves operating margins and profitability
Piotroski VR‑10 (Strict)
7.5
| 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 (2.43b) to EBITDA (7.23b): 0.34 < 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 0.47%; Δ 4.57k% > 0.5%) |
| Asset Turnover: 41.69% > 50% (prev 39.24%; Δ 2.46% > 0%) |
| Interest Coverage Ratio: 11.20 > 6 (EBITDA TTM 7.23b / Interest Expense TTM 449.0m) |
Altman Z''
3.35
| A: 0.15 (Total Current Assets 59.99b - Total Current Liabilities 47.64b) / Total Assets 80.55b |
| B: 0.42 (Retained Earnings 33.45b / Total Assets 80.55b) |
| C: 0.06 (EBIT TTM 5.03b / Avg Total Assets 80.91b) |
| D: 0.54 (Book Value of Equity 32.94b / Total Liabilities 60.52b) |
| Altman-Z'' Score: 3.35 = A |
Beneish M
-3.02
| DSRI: 0.97 (Receivables 48.87b/47.51b, Revenue 33.73b/31.89b) |
| GMI: 1.01 (GM 46.12% / 46.77%) |
| AQI: 0.99 (AQ_t 0.23 / AQ_t-1 0.24) |
| SGI: 1.06 (Revenue 33.73b / 31.89b) |
| TATA: -0.02 (NI 5.06b - CFO 6.39b) / TA 80.55b) |
| Beneish M-Score: -3.02 (Cap -4..+1) = AA |
What is the price of PYPL shares?
As of May 19, 2026, the stock is trading at USD 44.39 with a total of 9,417,351 shares traded.
Over the past week, the price has changed by -1.52%, over one month by -13.75%, over three months by +7.40% and over the past year by -38.30%.
Over the past week, the price has changed by -1.52%, over one month by -13.75%, over three months by +7.40% and over the past year by -38.30%.
Is PYPL a buy, sell or hold?
PayPal Holdings has received a consensus analysts rating of 3.74.
Therefor, it is recommend to hold PYPL.
- StrongBuy: 16
- Buy: 7
- Hold: 22
- Sell: 0
- StrongSell: 2
What are the forecasts/targets for the PYPL price?
| Analysts Target Price | 52.5 | 18.3% |
PayPal Holdings (PYPL) - Fundamental Data Overview
as of 16 May 2026
P/E Trailing = 8.425 P/E Forward = 8.6059
P/S = 1.1745
P/B = 1.9987
P/EG = 0.8238
Revenue TTM = 33.73b USD
EBIT TTM = 5.03b USD
EBITDA TTM = 7.23b 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 = 2.43b USD (from netDebt column, last quarter)
Enterprise Value = 39.68b USD (39.61b + Debt 9.41b - CCE 9.34b)
Interest Coverage Ratio = 11.20 (Ebit TTM 5.03b / Interest Expense TTM 449.0m)
EV/FCF = 7.20x (Enterprise Value 39.68b / FCF TTM 5.51b)
FCF Yield = 13.89% (FCF TTM 5.51b / Enterprise Value 39.68b)
FCF Margin = 16.34% (FCF TTM 5.51b / Revenue TTM 33.73b)
Net Margin = 15.00% (Net Income TTM 5.06b / Revenue TTM 33.73b)
Gross Margin = 46.12% ((Revenue TTM 33.73b - Cost of Revenue TTM 18.18b) / Revenue TTM)
Gross Margin QoQ = 45.61% (prev 46.50%)
Tobins Q-Ratio = 0.49 (Enterprise Value 39.68b / Total Assets 80.55b)
Interest Expense / Debt = 1.18% (Interest Expense 111.0m / Debt 9.41b)
Taxrate = 20.10% (280.0m / 1.39b)
NOPAT = 4.02b (EBIT 5.03b * (1 - 20.10%))
Current Ratio = 1.26 (Total Current Assets 59.99b / Total Current Liabilities 47.64b)
Debt / Equity = 0.47 (Debt 9.41b / totalStockholderEquity, last quarter 20.02b)
Debt / EBITDA = 0.34 (Net Debt 2.43b / EBITDA 7.23b)
Debt / FCF = 0.44 (Net Debt 2.43b / FCF TTM 5.51b)
Total Stockholder Equity = 20.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.25% (Net Income 5.06b / Total Assets 80.55b)
RoE = 25.08% (Net Income TTM 5.06b / Total Stockholder Equity 20.17b)
RoCE = 17.00% (EBIT 5.03b / Capital Employed (Equity 20.17b + L.T.Debt 9.41b))
RoIC = 13.10% (NOPAT 4.02b / Invested Capital 30.66b)
WACC = 9.20% (E(39.61b)/V(49.02b) * Re(11.16%) + D(9.41b)/V(49.02b) * Rd(1.18%) * (1-Tc(0.20)))
Discount Rate = 11.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -7.03%
[DCF] Terminal Value 72.29% ; FCFF base≈5.69b ; Y1≈5.12b ; Y5≈4.39b
[DCF] Fair Price = 70.90 (EV 64.97b - Net Debt 2.43b = Equity 62.54b / Shares 882.1m; r=9.20% [WACC]; 5y FCF grow -12.51% → 3.0% )
EPS Correlation: 65.73 | EPS CAGR: 10.23% | SUE: 0.90 | # QB: 0
Revenue Correlation: 92.84 | Revenue CAGR: 5.61% | SUE: 2.48 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.29 | Chg30d=-4.64% | Revisions=-87% | Analysts=35
EPS next Quarter (2026-09-30): EPS=1.34 | Chg30d=-0.22% | Revisions=+0% | Analysts=33
EPS current Year (2026-12-31): EPS=5.30 | Chg30d=-0.32% | Revisions=+6% | GrowthEPS=-0.2% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=5.78 | Chg30d=-0.43% | Revisions=+3% | GrowthEPS=+9.1% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -87%