(PYPL) PayPal Holdings - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 42.212m USD | Total Return: -27.7% in 12m
Digital Payments, Consumer Finance, Money Transfer, Payment Processing
Total Rating 38
Safety 95
Buy Signal -0.55
Credit Services
Industry Rotation: +1.9
Industry Rotation: +1.9
Market Cap:
42.2B
Avg Turnover: 681M USD
Avg Turnover: 681M USD
ATR:
3.32%
Peers RS (IBD): 26.5
Peers RS (IBD): 26.5
Risk 5d forecast
Volatility35.3%
Rel. Tail Risk-3.69%
Reward TTM
Sharpe Ratio-0.44
Alpha-71.78
Character TTM
Beta1.449
Beta Downside1.074
Drawdowns 3y
Max DD57.34%
CAGR/Max DD-0.27
EPS (Earnings per Share)
EPS CAGR: -43.76%
EPS Trend: -24.2%
EPS Trend: -24.2%
Last SUE: -4.00
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 8.08%
Rev. Trend: 94.3%
Rev. Trend: 94.3%
Last SUE: -0.14
Qual. Beats: 0
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
Description: PYPL PayPal Holdings
PayPal Holdings, Inc. (PYPL) operates a digital payments platform connecting consumers and merchants globally. The company facilitates online and in-person transactions, fund transfers, and withdrawals using various sources including bank accounts, credit/debit cards, and cryptocurrencies.
The business model is a two-sided network, common in the financial technology sector, where value increases with the number of participating users on both sides. PYPL offers payment solutions under multiple brands, including PayPal, Venmo, and Braintree. The company was founded in 1998 and is based in San Jose, California.
For more detailed financial analysis and data, consider exploring ValueRay.
- Venmo monetization efforts drive revenue growth
- E-commerce transaction volume impacts payment processing fees
- Regulatory scrutiny on digital payment platforms increases compliance costs
- Competition from fintech rivals erodes market share
- Consumer spending trends influence payment processing volume
Piotroski VR‑10 (Strict)
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: 40.14% < 20% (prev 39.99%; Δ 0.15% < -1%) |
| CFO/TA 0.08 > 3% & CFO 6.42b > Net Income 5.23b |
| Net Debt (1.94b) to EBITDA (7.70b): 0.25 < 3 |
| Current Ratio: 1.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (939.0m) vs 12m ago -7.40% < -2% |
| Gross Margin: 46.62% > 18% (prev 0.46%; Δ 4.62k% > 0.5%) |
| Asset Turnover: 41.01% > 50% (prev 38.96%; Δ 2.05% > 0%) |
| Interest Coverage Ratio: 15.27 > 6 (EBITDA TTM 7.70b / Interest Expense TTM 441.0m) |
Altman Z''
3.53
| 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 6.73b / Avg Total Assets 80.89b) |
| D: 0.53 (Book Value of Equity 31.81b / Total Liabilities 59.92b) |
| Altman-Z'' Score: 3.53 = A |
Beneish M
-3.02
| DSRI: 1.00 (Receivables 47.51b/45.62b, Revenue 33.17b/31.80b) |
| GMI: 0.99 (GM 46.62% / 46.10%) |
| AQI: 1.00 (AQ_t 0.23 / AQ_t-1 0.23) |
| SGI: 1.04 (Revenue 33.17b / 31.80b) |
| TATA: -0.01 (NI 5.23b - CFO 6.42b) / TA 80.17b) |
| Beneish M-Score: -3.02 (Cap -4..+1) = AA |
What is the price of PYPL shares?
As of April 10, 2026, the stock is trading at USD 45.98 with a total of 11,244,163 shares traded.
Over the past week, the price has changed by +1.41%, over one month by -0.39%, over three months by -20.02% and over the past year by -27.72%.
Over the past week, the price has changed by +1.41%, over one month by -0.39%, over three months by -20.02% and over the past year by -27.72%.
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.
- StrongBuy: 16
- Buy: 7
- Hold: 22
- Sell: 0
- StrongSell: 2
What are the forecasts/targets for the PYPL price?
| Analysts Target Price | 52.7 | 14.7% |
PayPal Holdings (PYPL) - Fundamental Data Overview
as of 10 April 2026
P/E Trailing = 8.475 P/E Forward = 8.6505
P/S = 1.2725
P/B = 2.0608
P/EG = 0.7151
Revenue TTM = 33.17b USD
EBIT TTM = 6.73b USD
EBITDA TTM = 7.70b USD
Long Term Debt = 9.99b USD (from longTermDebt, last quarter)
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 = 41.78b USD (42.21b + Debt 9.99b - CCE 10.42b)
Interest Coverage Ratio = 15.27 (Ebit TTM 6.73b / Interest Expense TTM 441.0m)
EV/FCF = 7.51x (Enterprise Value 41.78b / FCF TTM 5.56b)
FCF Yield = 13.32% (FCF TTM 5.56b / Enterprise Value 41.78b)
FCF Margin = 16.77% (FCF TTM 5.56b / Revenue TTM 33.17b)
Net Margin = 15.78% (Net Income TTM 5.23b / Revenue TTM 33.17b)
Gross Margin = 46.62% ((Revenue TTM 33.17b - Cost of Revenue TTM 17.71b) / Revenue TTM)
Gross Margin QoQ = 46.50% (prev 45.99%)
Tobins Q-Ratio = 0.52 (Enterprise Value 41.78b / Total Assets 80.17b)
Interest Expense / Debt = 1.11% (Interest Expense 111.0m / Debt 9.99b)
Taxrate = 11.68% (190.0m / 1.63b)
NOPAT = 5.95b (EBIT 6.73b * (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 7.70b)
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 = 22.28% (EBIT 6.73b / Capital Employed (Equity 20.23b + L.T.Debt 9.99b))
RoIC = 19.05% (NOPAT 5.95b / Invested Capital 31.22b)
WACC = 9.15% (E(42.21b)/V(52.20b) * Re(11.08%) + D(9.99b)/V(52.20b) * Rd(1.11%) * (1-Tc(0.12)))
Discount Rate = 11.08% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.93%
[DCF] Terminal Value 72.97% ; FCFF base≈6.05b ; Y1≈5.58b ; Y5≈5.05b
[DCF] Fair Price = 81.05 (EV 74.86b - Net Debt 1.94b = Equity 72.92b / Shares 899.7m; r=9.15% [WACC]; 5y FCF grow -9.65% → 3.0% )
EPS Correlation: -24.23 | EPS CAGR: -43.76% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.28 | Revenue CAGR: 8.08% | SUE: -0.14 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.35 | Chg7d=+0.000 | Chg30d=+0.001 | Revisions Net=-24 | Analysts=33
EPS current Year (2026-12-31): EPS=5.33 | Chg7d=+0.000 | Chg30d=-0.009 | Revisions Net=-1 | Growth EPS=+0.3% | Growth Revenue=+3.0%
EPS next Year (2027-12-31): EPS=5.80 | Chg7d=-0.001 | Chg30d=-0.008 | Revisions Net=-1 | Growth EPS=+8.8% | Growth Revenue=+4.4%
[Analyst] Revisions Ratio: -0.86 (2 Up / 26 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.7% (Discount Rate 11.1% - Earnings Yield 11.8%)
[Growth] Growth Spread = +3.3% (Analyst 2.6% - Implied -0.7%)
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