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Financial Services - Financial - Credit Services - NASDAQ - US
$ 70.05
2.16 %
$ 68.1 B
Market Cap
15.74
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one PYPL stock under the worst case scenario is HIDDEN Compared to the current market price of 70 USD, PayPal Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one PYPL stock under the base case scenario is HIDDEN Compared to the current market price of 70 USD, PayPal Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one PYPL stock under the best case scenario is HIDDEN Compared to the current market price of 70 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$55.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
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 $80.7 , with forecasts ranging from a low of $69 to a high of $95 .
PYPL Lowest Price Target Wall Street Target
69 USD -1.50%
PYPL Average Price Target Wall Street Target
80.7 USD 15.25%
PYPL Highest Price Target Wall Street Target
95 USD 35.62%
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 '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
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
Here's Why Paypal (PYPL) is a Strong Value Stock The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage. zacks.com - 2 days ago
PayPal Holdings, Inc. (PYPL) is Attracting Investor Attention: Here is What You Should Know 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 - 2 days ago
PayPal: Stablecoin Will Power Growth PayPal's recent share price weakness is overblown; entrenched merchant relationships and Fastlane checkout innovation support its core franchise and growth prospects. PYUSD stablecoin is a major catalyst, offering regulatory advantages, APY yield, and potential to boost net income by $4 billion if PayPal captures 20% market share. Valuation is attractive: PayPal trades below historical averages despite superior cash flow growth, offering investors significant upside if multiples expand. seekingalpha.com - 3 days ago
Where Will PayPal Stock Be in 5 Years? PayPal (NASDAQ: PYPL) hasn't exactly been the best-performing stock over the past five years, but there are some good reasons to be optimistic about the future. In this video, longtime contributor Matt Frankel discusses why he thinks the stock can double in five years. fool.com - 4 days ago
Buy PayPal Stock At $70? PayPal (NASDAQ:PYPL) shares have underperformed this year, falling approximately 17% year-to-date, in contrast to the S&P 500, which has risen around 2% during the same timeframe. PayPal's financial results have been varied. forbes.com - 4 days ago
PayPal Is Too Cheap To Ignore The sentiment surrounding PayPal is historically bad. Even when considering zero revenue growth for the next eight years, the company is currently trading at the fair value range. When anticipating more realistic growth rates, PayPal is currently undervalued by up to 58%. seekingalpha.com - 5 days ago
Here's Why Paypal (PYPL) is a Strong Momentum Stock The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage. zacks.com - 5 days ago
3 Bitcoin-Centric Stocks in Focus Amid Ongoing Geopolitical Tensions As Bitcoin holds above $100K despite global tensions, CME, Visa and PayPal emerge as crypto plays with 2025 upside. zacks.com - 5 days ago
Could Buying PayPal Stock Today Set You Up for Life? It hasn't been easy to be a PayPal Holdings (PYPL 1.91%) shareholder during the past few years. The fintech giant had a distinct advantage over rivals going into the pandemic, but since then it has been searching for a new way forward after growth slowed. fool.com - 5 days ago
PayPal Turns Online Ads Into ‘Buy Now Opportunities' PayPal says it has developed a way to turn online ads into merchant storefronts. [contact-form-7] “Storefront Ads” uses PayPal's transaction graph and payment rails to turn “recommended products into ‘buy now' opportunities within the ad unit itself,” the company said in its announcement Monday (July 16). pymnts.com - 6 days ago
PayPal Competitor Profile 2025: PayPal Continues Global Expansion with BNPL and New Financial Services PayPal, a leading global payment services provider, offers digital payments and acceptance solutions in over 200 markets, including the US, UK, and Germany. With over 35 million merchant acceptances, it supports major payment networks and cryptocurrencies. PayPal's strategic acquisitions and innovations, including Fastlane and PayPal Open, underscore its commitment to accessible payment solutions. As an independent entity post its 2015 spinoff from eBay, PayPal continues to drive advancements in the online payment sphere. PayPal, a leading global payment services provider, offers digital payments and acceptance solutions in over 200 markets, including the US, UK, and Germany. With over 35 million merchant acceptances, it supports major payment networks and cryptocurrencies. PayPal's strategic acquisitions and innovations, including Fastlane and PayPal Open, underscore its commitment to accessible payment solutions. As an independent entity post its 2015 spinoff from eBay, PayPal continues to drive advancements in the online payment sphere. globenewswire.com - 6 days ago
Here's Why Paypal (PYPL) is a Strong Growth Stock Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service. zacks.com - 6 days ago
8. Profile Summary

PayPal Holdings, Inc. PYPL

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 68.1 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