(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
Dividends
| Dividend Yield | 0.22% |
| Yield on Cost 5y | 0.06% |
| Yield CAGR 5y | % |
| Payout Consistency | 100.0% |
| Payout Ratio | 2.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 35.4% |
| Value at Risk 5%th | 56.8% |
| Relative Tail Risk | -2.37% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.74 |
| Alpha | -45.30 |
| CAGR/Max DD | -0.11 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.378 |
| Beta | 1.267 |
| Beta Downside | 1.407 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.05% |
| Mean DD | 21.48% |
| Median DD | 24.27% |
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 |
| (C) 0.08 = EBIT TTM 6.45b / Avg Total Assets 81.66b |
| (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) 87.64
| 1. Piotroski 7.0pt |
| 2. FCF Yield 9.34% |
| 3. FCF Margin 16.93% |
| 4. Debt/Equity 0.56 |
| 5. Debt/Ebitda 0.31 |
| 6. ROIC - WACC (= 7.58)% |
| 7. RoE 24.26% |
| 8. Rev. Trend 92.75% |
| 9. EPS Trend 70.16% |
What is the price of PYPL shares?
As of December 03, 2025, the stock is trading at USD 62.90 with a total of 10,830,378 shares traded.
Over the past week, the price has changed by +2.74%, over one month by -7.75%, over three months by -8.96% and over the past year by -27.14%.
Over the past week, the price has changed by +2.74%, over one month by -7.75%, over three months by -8.96% and over the past year by -27.14%.
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 | 82.8 | 31.7% |
| Analysts Target Price | 82.8 | 31.7% |
| ValueRay Target Price | 59.3 | -5.8% |
PYPL Fundamental Data Overview November 29, 2025
Market Cap USD = 59.07b (59.07b USD * 1.0 USD.USD)
P/E Trailing = 12.4157
P/E Forward = 10.6383
P/S = 1.7975
P/B = 2.8642
P/EG = 0.626
Beta = 1.433
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 = 59.59b USD (59.07b + Debt 11.28b - CCE 10.76b)
Interest Coverage Ratio = 12.14 (Ebit TTM 6.45b / Interest Expense TTM 531.0m)
FCF Yield = 9.34% (FCF TTM 5.57b / Enterprise Value 59.59b)
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 59.59b / 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 = 9.22% (E(59.07b)/V(70.35b) * Re(10.68%) + D(11.28b)/V(70.35b) * Rd(1.92%) * (1-Tc(0.19)))
Discount Rate = 10.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.02%
[DCF Debug] Terminal Value 68.05% ; FCFE base≈6.16b ; Y1≈5.79b ; Y5≈5.44b
Fair Price DCF = 68.94 (DCF Value 64.50b / Shares Outstanding 935.7m; 5y FCF grow -7.63% → 3.0% )
EPS Correlation: 70.16 | EPS CAGR: 5.15% | SUE: 2.62 | # QB: 9
Revenue Correlation: 92.75 | Revenue CAGR: 5.37% | SUE: 0.24 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.40 | Chg30d=+0.007 | Revisions Net=+3 | Analysts=30
EPS next Year (2026-12-31): EPS=5.84 | Chg30d=+0.034 | Revisions Net=+1 | Growth EPS=+8.9% | Growth Revenue=+6.1%
P/E Trailing = 12.4157
P/E Forward = 10.6383
P/S = 1.7975
P/B = 2.8642
P/EG = 0.626
Beta = 1.433
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 = 59.59b USD (59.07b + Debt 11.28b - CCE 10.76b)
Interest Coverage Ratio = 12.14 (Ebit TTM 6.45b / Interest Expense TTM 531.0m)
FCF Yield = 9.34% (FCF TTM 5.57b / Enterprise Value 59.59b)
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 59.59b / 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 = 9.22% (E(59.07b)/V(70.35b) * Re(10.68%) + D(11.28b)/V(70.35b) * Rd(1.92%) * (1-Tc(0.19)))
Discount Rate = 10.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.02%
[DCF Debug] Terminal Value 68.05% ; FCFE base≈6.16b ; Y1≈5.79b ; Y5≈5.44b
Fair Price DCF = 68.94 (DCF Value 64.50b / Shares Outstanding 935.7m; 5y FCF grow -7.63% → 3.0% )
EPS Correlation: 70.16 | EPS CAGR: 5.15% | SUE: 2.62 | # QB: 9
Revenue Correlation: 92.75 | Revenue CAGR: 5.37% | SUE: 0.24 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.40 | Chg30d=+0.007 | Revisions Net=+3 | Analysts=30
EPS next Year (2026-12-31): EPS=5.84 | Chg30d=+0.034 | Revisions Net=+1 | Growth EPS=+8.9% | Growth Revenue=+6.1%
Additional Sources for PYPL Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle