Overview Dividends

(PYPL) PayPal Holdings - Ratings and Ratios

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

Digital Payments, Payment Solutions, Online Transactions, Financial Services

PYPL EPS (Earnings per Share)

EPS Growth (3Y CAGR): 9.90%
EPS Trend (3Y Correlation): 46.3%

PYPL Revenue

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

Description: PYPL PayPal Holdings

PayPal Holdings, Inc. is a global leader in digital payment solutions, operating a two-sided network that connects merchants and consumers worldwide. The companys technology platform enables customers to send and receive payments online and in-person, as well as transfer and withdraw funds using various funding sources.

Key Performance Indicators (KPIs) that highlight the companys success include its large user base, with over 377 million active accounts as of Q4 2022, and its significant revenue growth, with total payment volume (TPV) reaching $936 billion in Q4 2022. Additionally, PayPals diversified revenue streams, including transaction fees, interest income, and other revenue sources, contribute to its financial stability.

From a competitive standpoint, PayPals brand recognition, extensive merchant network, and innovative products, such as its Pay in 4 buy-now-pay-later (BNPL) solution, position it well in the rapidly evolving digital payments landscape. The companys strategic acquisitions, including its purchase of Honey, a shopping savings platform, also demonstrate its commitment to expanding its ecosystem and enhancing customer experience.

To evaluate PayPals future prospects, key metrics to monitor include its TPV growth rate, active user count, and revenue per active account. Additionally, the companys ability to expand its services into new markets, such as cryptocurrency and BNPL, will be crucial in driving long-term growth. With a strong track record of innovation and a solid financial foundation, PayPal is well-positioned to continue its growth trajectory.

PYPL Stock Overview

Market Cap in USD	64,268m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2002-02-01

PYPL Stock Ratings

Growth Rating	-53.7%
Fundamental	78.8%
Dividend Rating	-
Return 12m vs S&P 500	-19.3%
Analyst Rating	3.74 of 5

PYPL Dividends

Currently no dividends paid

PYPL Growth Ratios

Growth Correlation 3m	-68.5%
Growth Correlation 12m	-64.1%
Growth Correlation 5y	-73.9%
CAGR 5y	-10.07%
CAGR/Max DD 3y	-0.22
CAGR/Mean DD 3y	-0.38
Sharpe Ratio 12m	0.94
Alpha	0.06
Beta	0.755
Volatility	33.56%
Current Volume	9331.5k
Average Volume 20d	9052.8k
Stop Loss	64.8 (-3.1%)
Signal	0.39

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) 78.83

1. Piotroski 7.0pt = 2.0

2. FCF Yield 4.78% = 2.39

3. FCF Margin 16.39% = 4.10

4. Debt/Equity 2.79 = -0.45

5. Debt/Ebitda 7.76 = -2.50

6. ROIC - WACC (= 11.03)% = 12.50

7. RoE 23.09% = 1.92

8. Rev. Trend 87.38% = 6.55

9. EPS Trend 46.31% = 2.32

What is the price of PYPL shares?

As of September 18, 2025, the stock is trading at USD 66.85 with a total of 9,331,513 shares traded.
Over the past week, the price has changed by +4.54%, over one month by -1.31%, over three months by -2.90% and over the past year by -4.39%.

Is PayPal Holdings a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, PayPal Holdings (NASDAQ:PYPL) is currently (September 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 78.83 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 57.80 USD . This means that PYPL is currently overvalued and has a potential downside of -13.54%.

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	82.5	23.4%
Analysts Target Price	82.5	23.4%
ValueRay Target Price	62.2	-6.9%

Last update: 2025-09-13 05:04

PYPL Fundamental Data Overview

Market Cap USD = 64.27b (64.27b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 10.01b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.4047
P/E Forward = 11.6009
P/S = 1.9902
P/B = 3.1814
P/EG = 0.7435
Beta = 1.438
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 = 45.05b USD (from totalCurrentLiabilities, last quarter)
Debt = 56.35b USD (Calculated: Short Term 45.05b + Long Term 11.30b)
Net Debt = 4.61b USD (from netDebt column, last quarter)
Enterprise Value = 110.61b USD (64.27b + Debt 56.35b - CCE 10.01b)
Interest Coverage Ratio = 14.94 (Ebit TTM 6.27b / Interest Expense TTM 420.0m)
FCF Yield = 4.78% (FCF TTM 5.29b / Enterprise Value 110.61b)
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)
Tobins Q-Ratio = 3.79 (Enterprise Value 110.61b / Book Value Of Equity 29.18b)
Interest Expense / Debt = 0.20% (Interest Expense 114.0m / Debt 56.35b)
Taxrate = 22.18% (1.18b / 5.33b)
NOPAT = 4.88b (EBIT 6.27b * (1 - 22.18%))
Current Ratio = 1.33 (Total Current Assets 59.88b / Total Current Liabilities 45.05b)
Debt / Equity = 2.79 (Debt 56.35b / last Quarter total Stockholder Equity 20.20b)
Debt / EBITDA = 7.76 (Net Debt 4.61b / EBITDA 7.26b)
Debt / FCF = 10.65 (Debt 56.35b / FCF TTM 5.29b)
Total Stockholder Equity = 20.26b (last 4 quarters mean)
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 / (Equity 20.26b + L.T.Debt 11.30b))
RoIC = 15.80% (NOPAT 4.88b / Invested Capital 30.90b)
WACC = 4.76% (E(64.27b)/V(120.61b) * Re(8.80%)) + (D(56.35b)/V(120.61b) * Rd(0.20%) * (1-Tc(0.22)))
Shares Correlation 3-Years: -96.97 | Cagr: -1.53%
Discount Rate = 8.80% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.72% ; FCFE base≈5.86b ; Y1≈5.91b ; Y5≈6.38b
Fair Price DCF = 102.8 (DCF Value 98.18b / Shares Outstanding 955.4m; 5y FCF grow 0.49% → 3.0% )
EPS Correlation: 46.31 | EPS CAGR: 9.90% | SUE: 1.48 | # QB: 8
Revenue Correlation: 87.38 | Revenue CAGR: 7.20% | SUE: N/A | # QB: None

Additional Sources for PYPL Stock

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