(PYPL) PayPal Holdings - Overview
Stock: Payment Gateway, Digital Wallet, Payment Processing, Credit Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.23% |
| Yield on Cost 5y | 0.10% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 5.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 53.8% |
| Relative Tail Risk | -2.93% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.54 |
| Alpha | -68.02 |
| Character TTM | |
|---|---|
| Beta | 1.306 |
| Beta Downside | 1.296 |
| Drawdowns 3y | |
|---|---|
| Max DD | 56.44% |
| CAGR/Max DD | -0.37 |
Description: PYPL PayPal Holdings January 29, 2026
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 multiple funding sources such as bank accounts, credit/debit cards, PayPal balances, and even cryptocurrencies, while also offering stored-value products like gift cards and rewards.
In its most recent fiscal quarter (Q4 2025), PayPal reported a 9% year-over-year increase in total payment volume (TPV) to $1.45 trillion, driven primarily by growth in Braintree and Venmo, while active accounts rose 5% to 426 million. Revenue reached $7.2 billion, up 8% YoY, with an adjusted EBITDA margin of 22%, reflecting continued cost-discipline after the 2023-24 restructuring.
Key macro and sector drivers remain robust: global e-commerce sales are projected to grow at a 7% CAGR through 2028, and the “buy-now-pay-later” (BNPL) market-where PayPal’s PayPal Credit participates-has a cumulative transaction value of $1.2 trillion in 2025, indicating expanding consumer financing demand. However, rising interest rates and tighter credit conditions could pressure discretionary spending and BNPL adoption, introducing downside risk to PayPal’s credit-linked revenue streams.
For a deeper, data-rich assessment of PayPal’s valuation dynamics, you may find ValueRay’s analytical dashboards worth exploring.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 5.23b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -1.35 > 1.0 |
| NWC/Revenue: 40.04% < 20% (prev 39.99%; Δ 0.05% < -1%) |
| CFO/TA 0.08 > 3% & CFO 6.42b > Net Income 5.23b |
| Net Debt (1.94b) to EBITDA (7.64b): 0.25 < 3 |
| Current Ratio: 1.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (939.0m) vs 12m ago -7.40% < -2% |
| Gross Margin: 45.41% > 18% (prev 0.46%; Δ 4495 % > 0.5%) |
| Asset Turnover: 41.11% > 50% (prev 38.96%; Δ 2.15% > 0%) |
| Interest Coverage Ratio: 12.25 > 6 (EBITDA TTM 7.64b / Interest Expense TTM 545.0m) |
Altman Z'' 3.52
| A: 0.17 (Total Current Assets 59.76b - Total Current Liabilities 46.44b) / Total Assets 80.17b |
| B: 0.40 (Retained Earnings 32.47b / Total Assets 80.17b) |
| C: 0.08 (EBIT TTM 6.68b / Avg Total Assets 80.89b) |
| D: 0.53 (Book Value of Equity 31.81b / Total Liabilities 59.92b) |
| Altman-Z'' Score: 3.52 = A |
Beneish M -3.00
| DSRI: 1.00 (Receivables 47.51b/45.62b, Revenue 33.25b/31.80b) |
| GMI: 1.02 (GM 45.41% / 46.10%) |
| AQI: 1.00 (AQ_t 0.23 / AQ_t-1 0.23) |
| SGI: 1.05 (Revenue 33.25b / 31.80b) |
| TATA: -0.01 (NI 5.23b - CFO 6.42b) / TA 80.17b) |
| Beneish M-Score: -3.00 (Cap -4..+1) = A |
What is the price of PYPL shares?
Over the past week, the price has changed by -23.29%, over one month by -32.42%, over three months by -38.86% and over the past year by -48.44%.
Is PYPL a buy, sell or hold?
- StrongBuy: 16
- Buy: 7
- Hold: 22
- Sell: 0
- StrongSell: 2
What are the forecasts/targets for the PYPL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 53.3 | 31.8% |
| Analysts Target Price | 53.3 | 31.8% |
| ValueRay Target Price | 33.7 | -16.7% |
PYPL Fundamental Data Overview February 07, 2026
P/E Forward = 7.1073
P/S = 1.1254
P/B = 1.8649
P/EG = 0.5075
Revenue TTM = 33.25b USD
EBIT TTM = 6.68b USD
EBITDA TTM = 7.64b USD
Long Term Debt = 11.28b USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 9.99b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.94b USD (from netDebt column, last quarter)
Enterprise Value = 36.90b USD (37.33b + Debt 9.99b - CCE 10.42b)
Interest Coverage Ratio = 12.25 (Ebit TTM 6.68b / Interest Expense TTM 545.0m)
EV/FCF = 6.63x (Enterprise Value 36.90b / FCF TTM 5.56b)
FCF Yield = 15.08% (FCF TTM 5.56b / Enterprise Value 36.90b)
FCF Margin = 16.73% (FCF TTM 5.56b / Revenue TTM 33.25b)
Net Margin = 15.74% (Net Income TTM 5.23b / Revenue TTM 33.25b)
Gross Margin = 45.41% ((Revenue TTM 33.25b - Cost of Revenue TTM 18.15b) / Revenue TTM)
Gross Margin QoQ = 41.90% (prev 45.99%)
Tobins Q-Ratio = 0.46 (Enterprise Value 36.90b / Total Assets 80.17b)
Interest Expense / Debt = 1.11% (Interest Expense 111.0m / Debt 9.99b)
Taxrate = 11.68% (190.0m / 1.63b)
NOPAT = 5.90b (EBIT 6.68b * (1 - 11.68%))
Current Ratio = 1.29 (Total Current Assets 59.76b / Total Current Liabilities 46.44b)
Debt / Equity = 0.49 (Debt 9.99b / totalStockholderEquity, last quarter 20.26b)
Debt / EBITDA = 0.25 (Net Debt 1.94b / EBITDA 7.64b)
Debt / FCF = 0.35 (Net Debt 1.94b / FCF TTM 5.56b)
Total Stockholder Equity = 20.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.47% (Net Income 5.23b / Total Assets 80.17b)
RoE = 25.87% (Net Income TTM 5.23b / Total Stockholder Equity 20.23b)
RoCE = 21.19% (EBIT 6.68b / Capital Employed (Equity 20.23b + L.T.Debt 11.28b))
RoIC = 18.69% (NOPAT 5.90b / Invested Capital 31.55b)
WACC = 8.67% (E(37.33b)/V(47.32b) * Re(10.73%) + D(9.99b)/V(47.32b) * Rd(1.11%) * (1-Tc(0.12)))
Discount Rate = 10.73% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.93%
[DCF Debug] Terminal Value 74.65% ; FCFF base≈6.05b ; Y1≈5.69b ; Y5≈5.32b
Fair Price DCF = 89.01 (EV 83.89b - Net Debt 1.94b = Equity 81.95b / Shares 920.7m; r=8.67% [WACC]; 5y FCF grow -7.63% → 2.90% )
EPS Correlation: 73.37 | EPS CAGR: 15.89% | SUE: 4.0 | # QB: 2
Revenue Correlation: 94.35 | Revenue CAGR: 8.35% | SUE: 0.09 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.29 | Chg30d=-0.113 | Revisions Net=-13 | Analysts=33
EPS current Year (2026-12-31): EPS=5.40 | Chg30d=-0.397 | Revisions Net=-14 | Growth EPS=+1.8% | Growth Revenue=+3.3%
EPS next Year (2027-12-31): EPS=5.91 | Chg30d=-0.651 | Revisions Net=-16 | Growth EPS=+9.4% | Growth Revenue=+4.9%