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PayPal Holdings, Inc.
PYPL: NasdaqGSLowest reading is at 25 out of 100. All scores are out of 100.
About The Company
CEO
Mr. Enrique J. Lores
Market Cap
47.08 Billion USD
Sector
Financial Services
Website
https://www.paypal.comLast Update
27/09/2026, 09:19:51
Description
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide.
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Strongest readings
- ✔Return on capital employed of 17.98% is above the market average of 10.00%
- ✔Share count has been falling at 3.95% per year
- ✔Debt is low at 0.49 times equity
- ✔Financial health is strong (health score 69 out of 100)
- ✔Price-to-earnings of 10.7 is below the market average of 19.6
Weakest readings
- ✘Revenue is growing at 8.19% per year while free cashflow is falling
- ✘Earnings and cashflow growth is weak (growth score 25 out of 100)
- ✘The current price sits above estimated fair value (margin of safety -43.24%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 10.71x | 19.60x | |
| ✘ | Margin of safety (DCF) | -43.24% | 17.95% | |
| ✘ | Revenue growth (5y average) | 8.19% | 10.97% | |
Dividend yield (TTM) | N/A | 1.85% | ||
| ✔ | Share count, per year | -3.95% | 0.00% | |
| ✔ | Return on capital employed | 17.98% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
45 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 10.71x | 19.60x | |
| ✔ | Free cashflow yield | 9.08% | 4.70% | |
| ✔ | Price / earnings growth | 0.30x | 1.50x | |
| Price / book | 2.35x | — | ||
| ✘ | Margin of safety | -43.24% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 31.24 USD is below the current price of 55.04 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 92.3 USD ✔
Current Price: 55 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
25 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 8.19% | 10.97% | |
| ✘ | Earnings growth | 4.68% | 14.48% | |
| ✘ | Cashflow growth | -8.67% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue growth has slowed this year (6.48% against a five year average of 8.19%)
- ✔Earnings growth has improved this year (33.85% against a five year average of 4.68%)
- ✘Free cashflow growth has slowed this year
- ✘Revenue is growing at 8.19% per year while free cashflow is falling at 8.67% per year
Health
69 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Altman-Z score | 1.90 | 3.00 | |
| ✔ | Piotroski score | 9.00 | 5.00 | |
| ✔ | Debt / equity | 0.49x | 0.80x | |
| ✔ | Current ratio | 1.29x | 1.00x | |
| ✔ | Interest coverage | 13.75x | 2.50x | |
| ✔ | Free cashflow / debt | 0.56x | 0.15x | |
| ✔ | Debt / capital | 0.33x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
34 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 0.04% | 1.85% | |
| Dividend growth | N/A | 0.00% | ||
| ✔ | Payout ratio (earnings) | 0.41% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 0.82% | 65.00% | |
| Worst year, last 5 years | N/A | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Management
75 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 25.83% | 15.00% | |
| ✔ | Return on capital employed | 17.98% | 10.00% | |
| Return on assets | 6.53% | — | ||
| Free cashflow return on capital | 16.50% | — | ||
| ✔ | Return on capital, 5y change | 5.35% | 0.00% | |
| ✔ | Share count, per year | -3.95% | 0.00% | |
| ✔ | Share count, recent | -10.80% | 0.00% | |
| ✘ | Realized buyback return | -55.02% | 0.00% | |
| ✘ | Goodwill erosion / equity | 3.05% | 2.00% | |
| Price volatility, 5 year | 42.25% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Shares were repurchased while the value score was only 45 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
PYPL
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
PayPal Holdings, Inc.
Currency
USD
Beta
1.286
Vol Avg
14613614
Ceo
Mr. Enrique J. Lores
Cik
0001633917
Cusip
Exchange
NasdaqGS
Full Time Employees
23800
Industry
Credit Services
Sector
Financial Services
Ipo Date
Address
2211 North First Street
City
San Jose
State
CA
Country
United States
Zip
95131
Phone
408 967 7000
Analysis Last Updated
27/09/2026, 09:19:51
Financial data compiled from SEC EDGAR filings and Yahoo Finance.