Overview Dividends

(PYPL) PayPal Holdings - Ratings and Ratios

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

Digital Wallet, Payment Gateway, Credit Line, Mobile Payments, Crypto Transfers

PYPL EPS (Earnings per Share)

EPS Growth (3Y CAGR): 1.73%
EPS Trend (3Y Correlation): 18.6%

PYPL Revenue

Revenue Growth (3Y CAGR): 4.88%
Revenue Trend (3Y Correlation): 86.6%

Risk via 10d forecast
Volatility	39.1%
Value at Risk 5%th	59.9%
Relative Tail Risk	-1.98%

Reward TTM
Sharpe Ratio	-0.78
Alpha	-43.68

Character TTM
Hurst Exponent	0.320
Beta	1.250
Beta Downside	1.387

Drawdowns 3y
Max DD	42.05%
Mean DD	21.56%
Median DD	24.10%

Description: PYPL PayPal Holdings September 26, 2025

PayPal Holdings, Inc. runs a global technology platform that facilitates digital payments for both merchants and consumers, linking them through a two-sided network that supports online, in-person, and peer-to-peer transactions across a wide array of funding sources, including bank accounts, PayPal/Venmo balances, credit and debit cards, and emerging assets such as cryptocurrencies.

The company’s product portfolio spans the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy brands, each targeting distinct market segments-from large e-commerce merchants to small-business point-of-sale solutions and cross-border remittances-while leveraging a shared infrastructure to drive scale and network effects.

Key operating metrics illustrate the business’s momentum: FY 2023 total payment volume (TPV) reached roughly $1.5 trillion, up about 12 % year-over-year, and the active account base grew to 432 million, reflecting strong consumer adoption of digital wallets amid accelerating e-commerce penetration and a favorable regulatory environment for fintech. Macro-level drivers such as rising online shopping spend, increasing use of “buy-now-pay-later” credit products, and the shift toward cashless payments in emerging markets further underpin PayPal’s growth outlook. For a deeper, data-driven assessment of PayPal’s valuation and risk profile, the ValueRay platform offers a transparent, model-based toolkit worth exploring.

PYPL Stock Overview

Market Cap in USD	61,959m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2002-02-01
Return 12m vs S&P 500	-36.1%
Analyst Rating	3.74 of 5

PYPL Dividends

Dividend Yield	0.22%
Yield on Cost 5y	0.07%
Yield CAGR 5y	%
Payout Consistency	100.0%
Payout Ratio	2.7%

PYPL Growth Ratios

CAGR 3y	-9.65%
CAGR/Max DD Calmar Ratio	-0.23
CAGR/Mean DD Pain Ratio	-0.45
Current Volume	21587.3k
Average Volume	13449.3k

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) 84.43

1. Piotroski 7.0pt = 2.0

2. FCF Yield 8.91% = 4.45

3. FCF Margin 16.93% = 4.23

4. Debt/Equity 0.56 = 2.35

5. Debt/Ebitda 0.31 = 2.43

6. ROIC - WACC (= 7.62)% = 9.52

7. RoE 24.26% = 2.02

8. Rev. Trend 86.64% = 6.50

9. EPS Trend 18.62% = 0.93

What is the price of PYPL shares?

As of November 16, 2025, the stock is trading at USD 62.81 with a total of 21,587,256 shares traded.
Over the past week, the price has changed by -5.15%, over one month by -9.17%, over three months by -9.47% and over the past year by -26.79%.

Is PayPal Holdings a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, PayPal Holdings (NASDAQ:PYPL) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 84.43 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PYPL is around 51.09 USD . This means that PYPL is currently overvalued and has a potential downside of -18.66%.

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	83.4	32.7%
Analysts Target Price	83.4	32.7%
ValueRay Target Price	57.3	-8.7%

PYPL Fundamental Data Overview November 09, 2025

Market Cap USD = 61.96b (61.96b USD * 1.0 USD.USD)
P/E Trailing = 13.2972
P/E Forward = 11.8906
P/S = 1.8854
P/B = 3.2599
P/EG = 0.7618
Beta = 1.433
Revenue TTM = 32.86b USD
EBIT TTM = 6.45b USD
EBITDA TTM = 7.42b USD
Long Term Debt = 9.88b USD (from longTermDebt, last fiscal year)
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 = 62.48b USD (61.96b + Debt 11.28b - CCE 10.76b)
Interest Coverage Ratio = 12.14 (Ebit TTM 6.45b / Interest Expense TTM 531.0m)
FCF Yield = 8.91% (FCF TTM 5.57b / Enterprise Value 62.48b)
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 = 0.78 (Enterprise Value 62.48b / 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 = 21.38% (EBIT 6.45b / Capital Employed (Equity 20.27b + L.T.Debt 9.88b))
RoIC = 16.84% (NOPAT 5.25b / Invested Capital 31.15b)
WACC = 9.23% (E(61.96b)/V(73.23b) * Re(10.62%) + D(11.28b)/V(73.23b) * Rd(1.92%) * (1-Tc(0.19)))
Discount Rate = 10.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.02%
[DCF Debug] Terminal Value 68.25% ; FCFE base≈6.16b ; Y1≈5.79b ; Y5≈5.44b
Fair Price DCF = 69.47 (DCF Value 65.00b / Shares Outstanding 935.7m; 5y FCF grow -7.63% → 3.0% )
EPS Correlation: 18.62 | EPS CAGR: 1.73% | SUE: 2.74 | # QB: 1
Revenue Correlation: 86.64 | Revenue CAGR: 4.88% | SUE: 0.24 | # QB: 0

Additional Sources for PYPL Stock

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