Overview Dividends

(PYPL) PayPal Holdings - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US70450Y1038

Payment Gateway, Digital Wallet, Credit Products, P2P Transfers

Transaction & Payment Processing Services
Market Cap in USD: 58,937m

IPO / Inception: 2002-02-01
Return 12m vs S&P 500: -40.5%

EPS (Earnings per Share)

EPS CAGR: 5.15%
EPS Trend: 67.0%

Last SUE: 2.22
Qual. Beats: 1

Revenue

Rev. CAGR: 5.37%
Rev. Trend: 92.7%

Last SUE: 0.24
Qual. Beats: 0

Dividends

Dividend Yield	0.23%
Yield on Cost 5y	0.06%
Yield CAGR 5y	%
Payout Consistency	100.0%
Payout Ratio	2.7%

Risk via 5d forecast
Volatility	34.6%
Value at Risk 5%th	55.7%
Relative Tail Risk	-1.99%

Reward TTM
Sharpe Ratio	-0.94
Alpha	-47.29
CAGR/Max DD	-0.09

Character TTM
Hurst Exponent	0.462
Beta	1.247
Beta Downside	1.397

Drawdowns 3y
Max DD	42.05%
Mean DD	21.82%
Median DD	24.50%

Description: PYPL PayPal Holdings December 03, 2025

PayPal Holdings, Inc. (NASDAQ: PYPL) runs a global technology platform that links merchants and consumers, enabling online, in-person, and peer-to-peer payments through a suite of brands-including PayPal, Venmo, Braintree, Xoom, Zettle, Hyperwallet, Honey, and Paidy. The two-sided network supports a variety of funding sources such as bank accounts, PayPal/Venmo balances, credit cards, consumer credit products, and even cryptocurrencies, while also offering stored-value options like gift cards and rewards.

Key recent metrics illustrate the company’s scale and challenges: FY 2023 total payment volume (TPV) reached approximately $1.5 trillion, a 7 % YoY increase, while revenue grew 12 % to $27.5 billion; however, net income fell 35 % as operating expenses rose amid heightened competition and inflation-driven cost pressures. Core growth drivers include the continued expansion of e-commerce, the rising adoption of digital wallets in emerging markets, and the integration of “Buy-Now-Pay-Later” credit products, which together shape the transaction-processing sector’s outlook.

For a deeper quantitative breakdown, you might explore ValueRay’s analyst toolkit.

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (4.92b TTM) > 0 and > 6% of Revenue (6% = 1.97b TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA -1.46pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 46.41% (prev 39.43%; Δ 6.98pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.08 (>3.0%) and CFO 6.43b > Net Income 4.92b (YES >=105%, WARN >=100%)

Net Debt (2.28b) to EBITDA (7.42b) ratio: 0.31 <= 3.0 (WARN <= 3.5)

Current Ratio 1.34 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (978.0m) change vs 12m ago -4.49% (target <= -2.0% for YES)

Gross Margin 46.76% (prev 45.76%; Δ 1.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 40.24% (prev 37.67%; Δ 2.58pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 12.14 (EBITDA TTM 7.42b / Interest Expense TTM 531.0m) >= 6 (WARN >= 3)

Altman Z'' 3.59

(A) 0.19 = (Total Current Assets 60.18b - Total Current Liabilities 44.92b) / Total Assets 79.80b

(B) 0.39 = Retained Earnings (Balance) 31.16b / Total Assets 79.80b

(D) 0.51 = Book Value of Equity 30.46b / Total Liabilities 59.60b

Total Rating: 3.59 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 87.57

1. Piotroski 7.0pt

2. FCF Yield 9.36%

3. FCF Margin 16.93%

4. Debt/Equity 0.56

5. Debt/Ebitda 0.31

6. ROIC - WACC (= 7.64)%

7. RoE 24.26%

8. Rev. Trend 92.72%

9. EPS Trend 67.02%

What is the price of PYPL shares?

As of December 17, 2025, the stock is trading at USD 61.33 with a total of 16,268,929 shares traded.
Over the past week, the price has changed by +0.90%, over one month by -0.68%, over three months by -8.05% and over the past year by -32.67%.

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.

Strong Buy: 16
Buy: 7
Hold: 22
Sell: 0
Strong Sell: 2

What are the forecasts/targets for the PYPL price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	80	30.4%
Analysts Target Price	80	30.4%
ValueRay Target Price	57.7	-6%

PYPL Fundamental Data Overview December 13, 2025

Market Cap USD = 58.94b (58.94b USD * 1.0 USD.USD)
P/E Trailing = 12.3876
P/E Forward = 10.5263
P/S = 1.7935
P/B = 2.8332
P/EG = 0.6192
Beta = 1.439
Revenue TTM = 32.86b USD
EBIT TTM = 6.45b USD
EBITDA TTM = 7.42b USD
Long Term Debt = 11.28b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 11.28b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.28b USD (from netDebt column, last quarter)
Enterprise Value = 59.46b USD (58.94b + Debt 11.28b - CCE 10.76b)
Interest Coverage Ratio = 12.14 (Ebit TTM 6.45b / Interest Expense TTM 531.0m)
FCF Yield = 9.36% (FCF TTM 5.57b / Enterprise Value 59.46b)
FCF Margin = 16.93% (FCF TTM 5.57b / Revenue TTM 32.86b)
Net Margin = 14.96% (Net Income TTM 4.92b / Revenue TTM 32.86b)
Gross Margin = 46.76% ((Revenue TTM 32.86b - Cost of Revenue TTM 17.50b) / Revenue TTM)
Gross Margin QoQ = 45.99% (prev 46.38%)
Tobins Q-Ratio = 0.75 (Enterprise Value 59.46b / Total Assets 79.80b)
Interest Expense / Debt = 1.92% (Interest Expense 217.0m / Debt 11.28b)
Taxrate = 18.59% (285.0m / 1.53b)
NOPAT = 5.25b (EBIT 6.45b * (1 - 18.59%))
Current Ratio = 1.34 (Total Current Assets 60.18b / Total Current Liabilities 44.92b)
Debt / Equity = 0.56 (Debt 11.28b / totalStockholderEquity, last quarter 20.20b)
Debt / EBITDA = 0.31 (Net Debt 2.28b / EBITDA 7.42b)
Debt / FCF = 0.41 (Net Debt 2.28b / FCF TTM 5.57b)
Total Stockholder Equity = 20.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.16% (Net Income 4.92b / Total Assets 79.80b)
RoE = 24.26% (Net Income TTM 4.92b / Total Stockholder Equity 20.27b)
RoCE = 20.43% (EBIT 6.45b / Capital Employed (Equity 20.27b + L.T.Debt 11.28b))
RoIC = 16.80% (NOPAT 5.25b / Invested Capital 31.23b)
WACC = 9.16% (E(58.94b)/V(70.21b) * Re(10.61%) + D(11.28b)/V(70.21b) * Rd(1.92%) * (1-Tc(0.19)))
Discount Rate = 10.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.02%
[DCF Debug] Terminal Value 68.28% ; FCFE base≈6.16b ; Y1≈5.79b ; Y5≈5.44b
Fair Price DCF = 69.56 (DCF Value 65.08b / Shares Outstanding 935.7m; 5y FCF grow -7.63% → 3.0% )
EPS Correlation: 67.02 | EPS CAGR: 5.15% | SUE: 2.22 | # QB: 1
Revenue Correlation: 92.72 | Revenue CAGR: 5.37% | SUE: 0.24 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.40 | Chg30d=-0.003 | Revisions Net=+3 | Analysts=29
EPS next Year (2026-12-31): EPS=5.81 | Chg30d=-0.024 | Revisions Net=+2 | Growth EPS=+8.5% | Growth Revenue=+5.9%

Additional Sources for PYPL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle