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Company Analysis

PayPal Holdings, Inc. PYPL

A comprehensive view of key metrics, scores, and financial health for PayPal Holdings, Inc.

Overview of PayPal Holdings, Inc.

PYPL NMS
Financial Services Credit Services Large Cap
PayPal Holdings, Inc. (PYPL), is a Large Cap company, in the Credit Services industry, last closed at $44.90, about 51.8% overvalued vs fair value, -35.5% 1Y return, ranked 646/1004 in sector.
$44.90
1.22%
As of March 13, 2026
Previous close • Vol 90d: 48.7%
52-Week Range
Market Cap
$43.24B
Enterprise Value
$45.18B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.paypal.com
HQ San Jose, CA
Employees 23,800
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$12
$22
$41
Current: $44.90 -52% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$517.0M
-21.9%%
Interest Expense
$441.0M
Net Interest Income
$76.0M
-72.9%%
Total Revenue
$33.2B
4.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
25.8%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.2B
118.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating PayPal Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
59
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing PYPL's balance between Growth (29.6%), Profitability (37.3%), and Safety (33.2%). Growth 30% Safety 33% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

46th percentile vs peers
47
Key Signals
EPS CAGR 3Y 37.3% 98p EPS Growth YoY 35.4% 60p Revenue CAGR 3Y 6.4% 39p Rev Growth YoY 4.3% 27p TSR -31.4% 14p
Strengths
  • Eps Cagr 3Y in top 20% of peers (37.3%, 98th percentile)
  • Interest Coverage Ratio in top 20% of peers (15.27, 88th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Roic in top 20% of peers (17.5%, 84th percentile)
  • Strong liquidity position vs peers
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

52th percentile vs peers
52
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for PayPal Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$21.66
- - -
-51.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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