(PYPL) PayPal Holdings - Ratings and Ratios
Digital Wallet, Payment Gateway, Credit Line, Mobile Payments, Crypto Transfers
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 37.2% |
| Value at Risk 5%th | 60.0% |
| Relative Tail Risk | -1.88% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.78 |
| Alpha | -43.19 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.378 |
| Beta | 1.271 |
| Beta Downside | 1.405 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.05% |
| Mean DD | 21.44% |
| Median DD | 24.14% |
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 | 61,126m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 2002-02-01 |
| Return 12m vs S&P 500 | -36.3% |
| Analyst Rating | 3.74 of 5 |
PYPL Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 0.23% |
| Yield on Cost 5y | 0.07% |
| Yield CAGR 5y | % |
| Payout Consistency | 100.0% |
| Payout Ratio | 2.7% |
PYPL Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | -8.84% |
| CAGR/Max DD Calmar Ratio | -0.21 |
| CAGR/Mean DD Pain Ratio | -0.41 |
| Current Volume | 20849.4k |
| Average Volume | 18446.7k |
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) 84.63
| 1. Piotroski 7.0pt |
| 2. FCF Yield 9.03% |
| 3. FCF Margin 16.93% |
| 4. Debt/Equity 0.56 |
| 5. Debt/Ebitda 0.31 |
| 6. ROIC - WACC (= 7.52)% |
| 7. RoE 24.26% |
| 8. Rev. Trend 86.64% |
| 9. EPS Trend 23.71% |
What is the price of PYPL shares?
Over the past week, the price has changed by -3.34%, over one month by -13.33%, over three months by -10.13% and over the past year by -28.42%.
Is PYPL a buy, sell or hold?
- 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 | 37.6% |
| Analysts Target Price | 83.4 | 37.6% |
| ValueRay Target Price | 55.5 | -8.5% |
PYPL Fundamental Data Overview November 15, 2025
P/E Trailing = 13.1185
P/E Forward = 11.5607
P/S = 1.8601
P/B = 3.113
P/EG = 0.6804
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 = 61.65b USD (61.13b + Debt 11.28b - CCE 10.76b)
Interest Coverage Ratio = 12.14 (Ebit TTM 6.45b / Interest Expense TTM 531.0m)
FCF Yield = 9.03% (FCF TTM 5.57b / Enterprise Value 61.65b)
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 = 0.77 (Enterprise Value 61.65b / 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 = 9.28% (E(61.13b)/V(72.40b) * Re(10.70%) + D(11.28b)/V(72.40b) * Rd(1.92%) * (1-Tc(0.19)))
Discount Rate = 10.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.02%
[DCF Debug] Terminal Value 67.99% ; FCFE base≈6.16b ; Y1≈5.79b ; Y5≈5.44b
Fair Price DCF = 68.76 (DCF Value 64.34b / Shares Outstanding 935.7m; 5y FCF grow -7.63% → 3.0% )
EPS Correlation: 23.71 | EPS CAGR: 2.86% | SUE: 2.22 | # QB: 1
Revenue Correlation: 86.64 | Revenue CAGR: 4.88% | SUE: 0.24 | # QB: 0
Additional Sources for PYPL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle