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Financial Services - Financial - Credit Services - NASDAQ - US
$ 76.59
0.367 %
$ 74.5 B
Market Cap
17.21
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PYPL stock under the worst case scenario is HIDDEN Compared to the current market price of 76.6 USD, PayPal Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PYPL stock under the base case scenario is HIDDEN Compared to the current market price of 76.6 USD, PayPal Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PYPL stock under the best case scenario is HIDDEN Compared to the current market price of 76.6 USD, PayPal Holdings, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PYPL

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$95.0$95.0$90.0$90.0$85.0$85.0$80.0$80.0$75.0$75.0$70.0$70.0$65.0$65.0$60.0$60.0$55.0$55.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
31.8 B REVENUE
6.81%
5.32 B OPERATING INCOME
5.91%
4.15 B NET INCOME
-2.33%
7.45 B OPERATING CASH FLOW
53.83%
1.59 B INVESTING CASH FLOW
111.30%
-8.28 B FINANCING CASH FLOW
-176.51%
7.79 B REVENUE
-6.87%
1.53 B OPERATING INCOME
6.18%
1.29 B NET INCOME
14.81%
1.16 B OPERATING CASH FLOW
-51.55%
-3.66 B INVESTING CASH FLOW
-148.84%
994 M FINANCING CASH FLOW
127.73%
Balance Sheet PayPal Holdings, Inc.
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Current Assets 61.1 B
Cash & Short-Term Investments 10.8 B
Receivables 45.6 B
Other Current Assets 4.65 B
Non-Current Assets 20.5 B
Long-Term Investments 4.58 B
PP&E 1.51 B
Other Non-Current Assets 14.4 B
13.26 %55.90 %5.70 %5.62 %17.68 %Total Assets$81.6b
Current Liabilities 48.4 B
Accounts Payable 39.9 B
Short-Term Debt 0
Other Current Liabilities 8.48 B
Non-Current Liabilities 12.8 B
Long-Term Debt 9.88 B
Other Non-Current Liabilities 2.94 B
65.20 %13.85 %16.14 %4.80 %Total Liabilities$61.2b
EFFICIENCY
Earnings Waterfall PayPal Holdings, Inc.
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Revenue 31.8 B
Cost Of Revenue 17.1 B
Gross Profit 14.7 B
Operating Expenses 9.33 B
Operating Income 5.32 B
Other Expenses 1.18 B
Net Income 4.15 B
35b35b30b30b25b25b20b20b15b15b10b10b5b5b0032b(17b)15b(9b)5b(1b)4bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
46.10% GROSS MARGIN
46.10%
16.75% OPERATING MARGIN
16.75%
13.04% NET MARGIN
13.04%
20.31% ROE
20.31%
5.08% ROA
5.08%
12.47% ROIC
12.47%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis PayPal Holdings, Inc.
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7b7b6b6b5b5b4b4b3b3b2b2b1b1b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 4.15 B
Depreciation & Amortization 1.03 B
Capital Expenditures -683 M
Stock-Based Compensation 1.23 B
Change in Working Capital -558 M
Others 642 M
Free Cash Flow 6.77 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets PayPal Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for PYPL of $81.6 , with forecasts ranging from a low of $71 to a high of $95 .
PYPL Lowest Price Target Wall Street Target
71 USD -7.30%
PYPL Average Price Target Wall Street Target
81.6 USD 6.57%
PYPL Highest Price Target Wall Street Target
95 USD 24.04%
Price
Max Price Target
Min Price Target
Average Price Target
959590908585808075757070656560605555Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership PayPal Holdings, Inc.
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Sold
0-3 MONTHS
863 K USD 3
3-6 MONTHS
176 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Prediction: 3 Magnificent Stocks That'll Be Worth More Than Palantir by 2028 Since late 2022, no investment trend has been hotter on Wall Street than the evolution of artificial intelligence (AI). Allowing AI-empowered software and systems to make split-second decisions and grow more efficient at their tasks over time is a game-changing technology that offers utility in most industries around the globe. fool.com - 1 week ago
Airbnb: More Like PayPal And Less Like Uber Airbnb's valuation has improved after underperformance, but I remain neutral due to concerns about long-term margin sustainability and competitive threats. The company's strong brand and first-mover advantage have driven high margins, but I expect these advantages to erode as competition intensifies. New ancillary services may support near-term growth, yet consensus revenue estimates seem overly optimistic given Airbnb's current scale and market dynamics. seekingalpha.com - 1 week ago
4 Crypto-Centric Stocks to Watch Closely Before the Next Bitcoin Rally As Bitcoin holds firm near $107K, CME, ACN, V, and PYPL emerge as crypto-centric stocks with growth potential in 2025. zacks.com - 1 week ago
Paypal (PYPL) Ascends While Market Falls: Some Facts to Note Paypal (PYPL) concluded the recent trading session at $75.3, signifying a +1.31% move from its prior day's close. zacks.com - 1 week ago
Will Paypal (PYPL) Beat Estimates Again in Its Next Earnings Report? Paypal (PYPL) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report. zacks.com - 1 week ago
PYPL vs. MA: Which Stock Should Value Investors Buy Now? Investors interested in Financial Transaction Services stocks are likely familiar with Paypal (PYPL) and MasterCard (MA). But which of these two stocks is more attractive to value investors? zacks.com - 1 week ago
Is Trending Stock PayPal Holdings, Inc. (PYPL) a Buy Now? Paypal (PYPL) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects. zacks.com - 1 week ago
2 Brilliant Fintech Stocks to Buy Now and Hold for the Long Term Financial technology, or fintech, stocks fell off many investors' radars in recent years. After the pandemic-fueled surge in e-commerce died down and interest rates ended the era of free money, many of the high-flying fintech players saw their stocks drop sharply. fool.com - 1 week ago
3 Top Tech Stocks That Could Make You a Millionaire Technological progress makes our lives more efficient, convenient, and comfortable. Hence, the technology sector has many promising growth stocks that can help you increase your wealth over the years or even decades. fool.com - 1 week ago
He Made Billions on Google and PayPal. Now, He's Betting on News. Michael Moritz co-founded The San Francisco Standard, a local news organization. It is acquiring Charter, a start-up focused on the future of work. nytimes.com - 1 week ago
Can PayPal Make a Turnaround With Its Buy Now, Pay Later Platform? PayPal bets big on BNPL as Q1 growth tops 20%, aiming to drive global adoption and deeper user engagement through AI and checkout upgrades. zacks.com - 1 week ago
What Does 13% YTD Drop Mean for PayPal Stock? Buy, Hold or Sell? PayPal stock is lagging rivals in 2025, but strong BNPL gains and global expansion hint at potential upside ahead. zacks.com - 1 week ago
8. Profile Summary

PayPal Holdings, Inc. PYPL

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 74.5 B
Dividend Yield 0.00%
Description PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.
Contact 2211 North First Street, San Jose, CA, 95131 https://www.paypal.com
IPO Date July 6, 2015
Employees 24400
Officers Mr. Bimal Patel General Counsel Ms. Jamie S. Miller Executive Vice President and Chief Financial & Operating Officer Ms. Suzan Bulyaba Kereere President of Global Markets Ms. Amy Bonitatibus Chief Corporate Affairs Officer Mr. Steven Eric Winoker Chief Investor Relations Officer Mr. Geoff Seeley Chief Marketing Officer Mr. Srinivasan Venkatesan Chief Technology Officer Mr. Aaron J. Webster Executive Vice President & Global Chief Risk Officer Mr. Christopher Natali Chief Accounting Officer Mr. Alex Chriss President, Chief Executive Officer & Director