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): -58.41%
EPS Trend (3Y Correlation): -41.9%

PYPL Revenue

Revenue Growth (3Y CAGR): 7.20%
Revenue Trend (3Y Correlation): 87.4%

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	66,552m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2002-02-01

PYPL Stock Ratings

Growth Rating	-42.1%
Fundamental	79.6%
Dividend Rating	-
Return 12m vs S&P 500	-28.1%
Analyst Rating	3.74 of 5

PYPL Dividends

Currently no dividends paid

PYPL Growth Ratios

Growth Correlation 3m	13.5%
Growth Correlation 12m	-61.5%
Growth Correlation 5y	-71.9%
CAGR 5y	-2.72%
CAGR/Max DD 3y (Calmar Ratio)	-0.06
CAGR/Mean DD 3y (Pain Ratio)	-0.11
Sharpe Ratio 12m	0.77
Alpha	-38.83
Beta	1.446
Volatility	38.95%
Current Volume	18344.8k
Average Volume 20d	16769.9k
Stop Loss	66.4 (-4.1%)
Signal	-0.01

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (4.68b TTM) > 0 and > 6% of Revenue (6% = 1.94b TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA -1.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 45.92% (prev 39.51%; Δ 6.41pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.08 (>3.0%) and CFO 6.07b > Net Income 4.68b (YES >=105%, WARN >=100%)

Net Debt (4.61b) to EBITDA (7.26b) ratio: 0.63 <= 3.0 (WARN <= 3.5)

Current Ratio 1.33 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (977.0m) change vs 12m ago -6.69% (target <= -2.0% for YES)

Gross Margin 46.91% (prev 45.48%; Δ 1.44pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 39.43% (prev 36.93%; Δ 2.50pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 14.94 (EBITDA TTM 7.26b / Interest Expense TTM 420.0m) >= 6 (WARN >= 3)

Altman Z'' 3.47

(A) 0.19 = (Total Current Assets 59.88b - Total Current Liabilities 45.05b) / Total Assets 79.78b

(B) 0.37 = Retained Earnings (Balance) 29.91b / Total Assets 79.78b

(D) 0.49 = Book Value of Equity 29.18b / Total Liabilities 59.58b

Total Rating: 3.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 79.58

1. Piotroski 7.0pt = 2.0

2. FCF Yield 7.80% = 3.90

3. FCF Margin 16.39% = 4.10

4. Debt/Equity 0.56 = 2.35

5. Debt/Ebitda 0.63 = 2.20

6. ROIC - WACC (= 6.93)% = 8.66

7. RoE 23.09% = 1.92

8. Rev. Trend 87.38% = 6.55

9. EPS Trend -41.86% = -2.09

What is the price of PYPL shares?

As of November 02, 2025, the stock is trading at USD 69.27 with a total of 18,344,800 shares traded.
Over the past week, the price has changed by -0.72%, over one month by +3.30%, over three months by +0.74% and over the past year by -12.65%.

Is PayPal Holdings a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, PayPal Holdings (NASDAQ:PYPL) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 79.58 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PYPL is around 59.49 USD . This means that PYPL is currently overvalued and has a potential downside of -14.12%.

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	81.9	18.2%
Analysts Target Price	81.9	18.2%
ValueRay Target Price	67.1	-3.1%

PYPL Fundamental Data Overview October 25, 2025

Market Cap USD = 66.55b (66.55b USD * 1.0 USD.USD)
P/E Trailing = 14.9165
P/E Forward = 11.8906
P/S = 2.0609
P/B = 3.2599
P/EG = 0.7618
Beta = 1.446
Revenue TTM = 32.29b USD
EBIT TTM = 6.27b USD
EBITDA TTM = 7.26b USD
Long Term Debt = 11.30b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 11.30b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.61b USD (from netDebt column, last quarter)
Enterprise Value = 67.84b USD (66.55b + Debt 11.30b - CCE 10.01b)
Interest Coverage Ratio = 14.94 (Ebit TTM 6.27b / Interest Expense TTM 420.0m)
FCF Yield = 7.80% (FCF TTM 5.29b / Enterprise Value 67.84b)
FCF Margin = 16.39% (FCF TTM 5.29b / Revenue TTM 32.29b)
Net Margin = 14.49% (Net Income TTM 4.68b / Revenue TTM 32.29b)
Gross Margin = 46.91% ((Revenue TTM 32.29b - Cost of Revenue TTM 17.14b) / Revenue TTM)
Gross Margin QoQ = 46.38% (prev 47.70%)
Tobins Q-Ratio = 0.85 (Enterprise Value 67.84b / Total Assets 79.78b)
Interest Expense / Debt = 1.01% (Interest Expense 114.0m / Debt 11.30b)
Taxrate = 17.53% (268.0m / 1.53b)
NOPAT = 5.17b (EBIT 6.27b * (1 - 17.53%))
Current Ratio = 1.33 (Total Current Assets 59.88b / Total Current Liabilities 45.05b)
Debt / Equity = 0.56 (Debt 11.30b / totalStockholderEquity, last quarter 20.20b)
Debt / EBITDA = 0.63 (Net Debt 4.61b / EBITDA 7.26b)
Debt / FCF = 0.87 (Net Debt 4.61b / FCF TTM 5.29b)
Total Stockholder Equity = 20.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.87% (Net Income 4.68b / Total Assets 79.78b)
RoE = 23.09% (Net Income TTM 4.68b / Total Stockholder Equity 20.26b)
RoCE = 19.88% (EBIT 6.27b / Capital Employed (Equity 20.26b + L.T.Debt 11.30b))
RoIC = 16.74% (NOPAT 5.17b / Invested Capital 30.90b)
WACC = 9.82% (E(66.55b)/V(77.85b) * Re(11.34%) + D(11.30b)/V(77.85b) * Rd(1.01%) * (1-Tc(0.18)))
Discount Rate = 11.34% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.06%
[DCF Debug] Terminal Value 67.35% ; FCFE base≈5.86b ; Y1≈5.91b ; Y5≈6.38b
Fair Price DCF = 71.59 (DCF Value 68.39b / Shares Outstanding 955.4m; 5y FCF grow 0.49% → 3.0% )
EPS Correlation: -41.86 | EPS CAGR: -58.41% | SUE: -4.0 | # QB: 0
Revenue Correlation: 87.38 | Revenue CAGR: 7.20% | SUE: 0.28 | # QB: 0

Additional Sources for PYPL Stock

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