(PYPL) PayPal Holdings - NASDAQ
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 38.504m USD | Total Return: -39.9% in 12m
Avg Turnover: 651M
EPS Trend: 52.7%
Qual. Beats: 1
Rev. Trend: 98.7%
Qual. Beats: 1
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
PayPal Holdings, Inc. operates a global technology platform facilitating digital transactions through a two-sided network of merchants and consumers. The company’s infrastructure supports payment processing, fund transfers, and withdrawals across various funding sources, including traditional bank accounts, credit products, and cryptocurrencies. Its portfolio includes core brands such as PayPal, Venmo, Braintree, and Xoom.
The company functions within the Transaction & Payment Processing Services sub-industry, where revenue is primarily generated through transaction fees based on Total Payment Volume (TPV). As a leader in the fintech sector, PayPal competes in a market increasingly defined by the shift toward mobile wallets and the integration of buy-now-pay-later (BNPL) services.
For a deeper dive into these financial metrics, consider exploring the data available on ValueRay.
- Transaction margin compression driven by growth in unbranded processing services
- Venmo monetization velocity influences long-term revenue growth and platform engagement
- Competitive pressures from Apple Pay and Google Pay impact digital wallet share
- Global consumer discretionary spending levels dictate total payment volume growth
- Execution of cost reduction initiatives improves operating margins and profitability
| Net Income: 5.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.50 > 1.0 |
| NWC/Revenue: 36.63% < 20% (prev 43.87%; Δ -7.23% < -1%) |
| CFO/TA 0.08 > 3% & CFO 6.39b > Net Income 5.06b |
| Net Debt (67.0m) to EBITDA (6.98b): 0.01 < 3 |
| Current Ratio: 1.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (920.0m) vs 12m ago -7.91% < -2% |
| Gross Margin: 46.12% > 18% (prev 46.77%; Δ -0.64% > 0.5%) |
| Asset Turnover: 41.69% > 50% (prev 39.24%; Δ 2.46% > 0%) |
| Interest Coverage Ratio: 13.41 > 6 (EBIT TTM 6.02b / Interest Expense TTM 449.0m) |
| A: 0.15 (Total Current Assets 60.0b - Total Current Liabilities 47.6b) / Total Assets 80.5b |
| B: 0.42 (Retained Earnings 33.5b / Total Assets 80.5b) |
| C: 0.07 (EBIT TTM 6.02b / Avg Total Assets 80.9b) |
| D: 0.33 (Book Value of Equity 20.0b / Total Liabilities 60.5b) |
| Altman-Z'' = 3.21 = A |
| DSRI: 0.97 (Receivables 48.9b/47.5b, Revenue 33.7b/31.9b) |
| GMI: 1.01 (GM 46.77% / 46.12%) |
| AQI: 0.99 (AQ_t 0.23 / AQ_t-1 0.24) |
| SGI: 1.06 (Revenue 33.7b / 31.9b) |
| TATA: -0.02 (NI 5.06b - CFO 6.39b) / TA 80.5b) |
| Beneish M = -3.00 (Cap -4..+1) = A |
As of June 18, 2026, the stock is trading at USD 42.08 with a total of 15,861,353 shares traded.
Over the past week, the price has changed by +3.39%,
over one month by -4.88%,
over three months by -8.48% and
over the past year by -39.94%.
PayPal Holdings has received a consensus analysts rating of 3.74. Therefore, it is recommended to hold PYPL.
- StrongBuy: 16
- Buy: 7
- Hold: 22
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 51.5 | 22.5% |
P/E Trailing = 8.1895
P/E Forward = 8.2237
P/S = 1.1414
P/B = 1.9229
P/EG = 0.7866
Revenue TTM = 33.7b USD
EBIT TTM = 6.02b USD
EBITDA TTM = 6.98b USD
Long Term Debt = 9.41b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 9.41b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 67.0m USD (calculated: Debt 9.41b - CCE 9.34b)
Enterprise Value = 38.6b USD (38.5b + Debt 9.41b - CCE 9.34b)
Interest Coverage Ratio = 13.41 (Ebit TTM 6.02b / Interest Expense TTM 449.0m)
EV/FCF = 7.00x (Enterprise Value 38.6b / FCF TTM 5.51b)
FCF Yield = 14.29% (FCF TTM 5.51b / Enterprise Value 38.6b)
FCF Margin = 16.34% (FCF TTM 5.51b / Revenue TTM 33.7b)
Net Margin = 15.00% (Net Income TTM 5.06b / Revenue TTM 33.7b)
Gross Margin = 46.12% ((Revenue TTM 33.7b - Cost of Revenue TTM 18.2b) / Revenue TTM)
Gross Margin QoQ = 45.61% (prev 46.50%)
Tobins Q-Ratio = 0.48 (Enterprise Value 38.6b / Total Assets 80.5b)
Interest Expense / Debt = 4.77% (Interest Expense 449.0m / Debt 9.41b)
Taxrate = 16.82% (1.02b / 6.08b)
NOPAT = 5.01b (EBIT 6.02b * (1 - 16.82%))
Current Ratio = 1.26 (Total Current Assets 60.0b / Total Current Liabilities 47.6b)
Debt / Equity = 0.47 (Debt 9.41b / totalStockholderEquity, last quarter 20.0b)
Debt / EBITDA = 0.01 (Net Debt 67.0m / EBITDA 6.98b)
Debt / FCF = 0.01 (Net Debt 67.0m / FCF TTM 5.51b)
Total Stockholder Equity = 20.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.25% (Net Income 5.06b / Total Assets 80.5b)
RoE = 25.08% (Net Income TTM 5.06b / Total Stockholder Equity 20.2b)
RoCE = 20.36% (EBIT 6.02b / Capital Employed (Equity 20.2b + L.T.Debt 9.41b))
RoIC = 16.05% (NOPAT 5.01b / Invested Capital 31.2b)
WACC = 9.72% (E(38.5b)/V(47.9b) * Re(11.12%) + D(9.41b)/V(47.9b) * Rd(4.77%) * (1-Tc(0.17)))
Discount Rate = 11.12% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -7.03%
[DCF] Terminal Value 69.55% ; FCFF base≈5.69b ; Y1≈5.35b ; Y5≈4.96b
[DCF] Fair Price = 72.20 (EV 63.8b - Net Debt 67.0m = Equity 63.7b / Shares 882.1m; r=9.72% [WACC]; 5y FCF grow -7.66% → 2.50% )
EPS Correlation: 52.72 | EPS CAGR: 2.68% | SUE: 0.85 | # QB: 1
Revenue Correlation: 98.73 | Revenue CAGR: 5.88% | SUE: 2.48 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.28 | Chg30d=-0.73% | Revisions=-76% | Analysts=34
EPS next Quarter (2026-09-30): EPS=1.33 | Chg30d=-0.28% | Revisions=-12% | Analysts=32
EPS current Year (2026-12-31): EPS=5.31 | Chg30d=+0.11% | Revisions=-5% | GrowthEPS=-0.1% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=5.76 | Chg30d=-0.40% | Revisions=-16% | GrowthEPS=+8.5% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -76%