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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 $49.77, about 56.5% overvalued vs fair value, -24.6% 1Y return, ranked 653/1037 in sector.
Metrics P/E 10.8× Rev Growth 4.3% ROE 25.7% Gross Margin 46.6% Div Yield 0.24%
$49.77
-0.26%
As of April 28, 2026
Previous close • Vol 90d: 49.6%
52-Week Range
Market Cap
$45.82B
Enterprise Value
$47.76B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 56%
Updated: Mar 8
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

Earnings May 5 Call: May 5

Fair Value Snapshot

Bear Base Bull
$12
$22
$41
Current: $49.77 -57% 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

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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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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing PYPL's balance between Growth (28.4%), Profitability (41.0%), and Safety (30.6%). Growth 28% Safety 31% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
41
Key Signals
Loan Growth YoY 21.7% 75p Asset Growth YoY 1.8% 38p EPS Growth YoY 35.4% 61p Equity Growth YoY -0.8% 29p NII Growth YoY -72.9% 8p
Strengths
  • ROTE in top 20% of peers (56.8%, 93th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-72.9%)
  • Growth below peer median (percentile: 40)

Profitability

58th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
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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
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Bear
-
- - -
- upside
-
Base
$21.66
- - -
-56.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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