Stock · PYPL · Financial Services
United States · Large Cap · listed since 2002 · Revenue 12 mo. $34.1B
Price as of 11/06/2026
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide.
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
Original text from the data provider
Summary
58.0 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €15.1B, market value €42.8B (P/B 2.8). At a 9% discount rate, the premium over book value only pays off with a lasting 25.5% return on equity.
Required return on equity per year
25.5%
no perpetual growth
Price to book 2.83×, below its usual range.
Middle half of 20 quarters: 3.20× to 4.26×, median 3.69×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
3 more unchanged: Revenue, 12 mo., EBIT margin, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 25.83% | 12.46% | Rank 90 |
| Return on capital (Greenblatt) | 40.39% | 59.04% | Rank 42 |
| EBIT margin | 18.28% | 23.06% | Rank 38 |
| FCF margin | 16.77% | 19.82% | Rank 42 |
| Gross margin | 46.62% | 65.53% | Rank 22 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 4.32% | 7.39% | Rank 37 |
| Earnings growth, 3 years per year | 37.29% | 15.20% | Rank 85 |
| Earnings growth, 5 years per year | 8.84% | 15.17% | Rank 29 |
| Sustainable growth (ROE × retained earnings) | 2.57% | 1.25% | Rank 73 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 9.13% | 6.47% | Rank 83 |
| FCF yield | 11.66% | 7.16% | Rank 70 |
| EV/saleslower is better | 1.43 | 2.82 | Rank 67 |
| EV/EBITlower is better | 7.80 | 14.24 | Rank 79 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −20.20% | 7.80% | Rank 8 |
| Share price, 6 months | 31.05% | 8.71% | Rank 96 |
| Share price, 3 months | 5.42% | 0.45% | Rank 67 |
| Distance from 52-week high | −12.11% | −10.68% | Rank 44 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −2.45% | 1.23% | Rank 92 |
| Change in share countlower is better | −6.83% | −0.60% | Rank 95 |
| Dividend streak in years | – | 5 | Rank 6 |
| Price reaction to results, market-adjusted | 1.34% | 0.00% | Rank 70 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 25.27% | 9.21% | Rank 76 |
| Net debt/EBITDAlower is better | −0.06 | 0.12 | Rank 54 |
| Debt to equitylower is better | 0.49 | 0.90 | Rank 67 |
| Volatility, 1 yearlower is better | 42.36% | 25.95% | Rank 8 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 10.8 | 1.4 | 9.5% | 1.22B |
| 2017 | 13.1 | 1.8 | 11.2% | 1.22B |
| 2018 | 15.5 | 2.1 | 13.4% | 1.20B |
| 2019 | 17.8 | 2.5 | 14.5% | 1.19B |
| 2020 | 21.5 | 4.2 | 20.9% | 1.19B |
| 2021 | 25.4 | 4.2 | 19.2% | 1.19B |
| 2022 | 27.5 | 2.4 | 11.9% | 1.16B |
| 2023 | 29.8 | 4.2 | 20.2% | 1.11B |
| 2024 | 31.8 | 4.1 | 20.3% | 1.04B |
| 2025 | 33.2 | 5.2 | 25.8% | 968M |
3 of 7 StockScorer Score rules met · How the score is built
PayPal Holdings Inc mainly meets criteria in the Valuation category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for PayPal Holdings Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
3 of 7 rules met
4 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for PayPal Holdings Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 11.0 | 15.2 |
| P/B ratio | 2.8 | 1.8 |
| Return on equity (ROE) | 25.8% | 12.5% |
| Equity ratio | 25.3% | 9.2% |
| Debt-to-equity (D/E) | 0.49 | 0.90 |
| Dividend yield | 0.9% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| PYPL | PayPal Holdings Incthis page | |
| SYF | Synchrony Financial | Low5.5 |
| AFRM | Affirm Holdings Inc | locked |
| SOFI | SoFi Technologies Inc. | locked |
| COF | Capital One Financial Corporation | locked |
| BAJFINANCE.NS | Bajaj Finance Limited | locked |
Signed up in 30 seconds, free.
Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
How StockScorer rates every stock is explained on the methodology page.