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PayPal Holdings, Inc. PYPL
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 68.35
-0.715 %
$ 66.5 B
Market Cap
15.29
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one PYPL stock under the worst case scenario is HIDDEN Compared to the current market price of 68.3 USD, PayPal Holdings, Inc. is HIDDEN

PYPL Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one PYPL stock under the base case scenario is HIDDEN Compared to the current market price of 68.3 USD, PayPal Holdings, Inc. is HIDDEN

PYPL Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one PYPL stock under the best case scenario is HIDDEN Compared to the current market price of 68.3 USD, PayPal Holdings, Inc. is HIDDEN

PYPL Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart PYPL

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1M 12%
6M -26%
1Y 6%
3Y -18%
5Y -117%
All
$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 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
31.8 B REVENUE
6.81%
Growth Rates
1Year 6.81%
3Years 7.82%
5Years 12.34%
7Years 13.51%
10Years 14.76%
5.32 B OPERATING INCOME
5.91%
Growth Rates
1Year 5.91%
3Years 7.70%
5Years 14.39%
7Years 14.01%
10Years 15.43%
4.15 B NET INCOME
-2.33%
Growth Rates
1Year -2.33%
3Years -0.18%
5Years 11.02%
7Years 12.71%
10Years 25.76%
7.45 B OPERATING CASH FLOW
53.83%
Growth Rates
1Year 53.83%
3Years 8.72%
5Years 12.85%
7Years 16.68%
10Years 12.87%
1.59 B INVESTING CASH FLOW
111.30%
Growth Rates
1Year 111.30%
3Years 32.16%
5Years 17.89%
7Years 13.01%
10Years 9.82%
-8.28 B FINANCING CASH FLOW
-176.51%
Growth Rates
1Year -176.51%
3Years -145.84%
5Years -26.54%
7Years -17.14%
10Years -66.35%
7.79 B REVENUE
-6.87%
Growth Rates
1Year 6.81%
3Years 7.82%
5Years 12.34%
7Years 13.51%
10Years 14.76%
1.53 B OPERATING INCOME
6.18%
Growth Rates
1Year 5.91%
3Years 7.70%
5Years 14.39%
7Years 14.01%
10Years 15.43%
1.29 B NET INCOME
14.81%
Growth Rates
1Year -2.33%
3Years -0.18%
5Years 11.02%
7Years 12.71%
10Years 25.76%
1.16 B OPERATING CASH FLOW
-51.55%
Growth Rates
1Year 53.83%
3Years 8.72%
5Years 12.85%
7Years 16.68%
10Years 12.87%
-3.66 B INVESTING CASH FLOW
-148.84%
Growth Rates
1Year 111.30%
3Years 32.16%
5Years 17.89%
7Years 13.01%
10Years 9.82%
994 M FINANCING CASH FLOW
127.73%
Growth Rates
1Year -176.51%
3Years -145.84%
5Years -26.54%
7Years -17.14%
10Years -66.35%
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%
Averages
1Year 46.10%
3Years 47.39%
5Years 50.45%
7Years 51.70%
10Years 54.26%
16.75% OPERATING MARGIN
16.75%
Averages
1Year 16.75%
3Years 15.86%
5Years 15.94%
7Years 15.60%
10Years 15.59%
13.04% NET MARGIN
13.04%
Averages
1Year 13.04%
3Years 12.03%
5Years 14.42%
7Years 14.18%
10Years 13.92%
20.31% ROE
20.31%
Averages
1Year 20.31%
3Years 17.47%
5Years 18.52%
7Years 17.22%
10Years 15.02%
5.08% ROA
5.08%
Averages
1Year 5.08%
3Years 4.44%
5Years 4.96%
7Years 4.90%
10Years 4.72%
12.47% ROIC
12.47%
Averages
1Year 12.47%
3Years 10.79%
5Years 10.75%
7Years 10.38%
10Years 9.81%
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 0
Others 84 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 0.95%
PYPL Average Price Target Wall Street Target
80.7 USD 18.05%
PYPL Highest Price Target Wall Street Target
95 USD 38.99%
Price
Max Price Target
Min Price Target
Average Price Target
959590908585808075757070656560605555Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '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
176 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
273 K USD 1
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
PayPal: Strong Investment Setup PayPal shares have dropped from $90 to $70 in 2025, creating a buying opportunity for a profitable Fintech. The Fintech also beat earnings estimates for Q1'25 and remained widely profitable on an operating income basis. Despite market fears, PayPal's operating income grew 16% Y/Y in Q1'25, driven by Venmo's growth and cost-cutting measures, making it an interesting Fintech play. seekingalpha.com - 1 week ago
PayPal stock price is rising, but chart signals caution ahead PayPal stock price has bounced back this month as American equities rebound, following its first-quarter financial results. The PYPL share price rose to $68 on Tuesday, its highest level since March 27, and up by 21% above its lowest level this year. invezz.com - 1 week ago
3 Growth Stocks With Incredible Upside Potential Wall Street has seen dramatic volatility in 2025, affected by high inflation across several major economies, escalating U.S.-China trade wars, and rising geopolitical tensions. While the U.S. equity market has somewhat stabilized, investors remain concerned about the Federal Reserve's hawkish tone about future rate cuts and softening consumer demand. fool.com - 2 weeks ago
PayPal: The Cheapest It Has Ever Been PayPal's Active Accounts reached an all-time high. Transaction Margin reached a 2-year high. Operating Profit reached an all-time high. seekingalpha.com - 2 weeks ago
PayPal: Margins Are Improving, Strong Buy (Upgrade) PayPal Holdings is a solid fintech investment with potential for growth, driven by increasing active accounts and improving transaction margins. The company reported $1.33 per share in non-GAAP profits for 1Q25, exceeding estimates, and reaffirmed its profit forecast for 2025. Positive trends in operating and transaction margins, coupled with a low valuation compared to peers, support a bullish outlook for PayPal. seekingalpha.com - 2 weeks ago
Is Trending Stock PayPal Holdings, Inc. (PYPL) a Buy Now? Zacks.com users have recently been watching Paypal (PYPL) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects. zacks.com - 2 weeks ago
Better Growth Stock: PayPal vs. SoFi Technologies Companies using technology to disrupt the traditional financial services sector stand to capitalize on a significant growth opportunity. PayPal (PYPL 2.81%) and SoFi Technologies (SOFI 1.44%) are recognized as fintech leaders that have found success in carving out distinct niches within the evolving landscape. fool.com - 2 weeks ago
Here's How the Coinbase-PayPal Stablecoin Deal Could Rock Crypto Coinbase (COIN 1.77%) and PayPal (PYPL 2.81%) have teamed up to make the payment giant's stablecoin, PayPal USD (PYUSD -0.00%), easier to buy and use. Coinbase is one of the leading U.S. crypto exchanges, and PayPal is a major player in e-commerce and online payments. fool.com - 2 weeks ago
Should You Buy PayPal Stock Right Now? PayPal (PYPL 2.81%) reported increased active user numbers in the most recently completed quarter. fool.com - 2 weeks ago
Does PayPal Stock Look Poised for a Turnaround? PayPal (PYPL 2.81%) has had a tough start to 2025, with its shares down more than 20%. However, the company recently turned in solid Q1 results and issued upbeat guidance while laying out its growth strategy for this year. fool.com - 2 weeks ago
Venmo gaining ground in payments as Cash App struggles In the increasingly crowded market for peer-to-peer payments, Venmo is showing momentum while Cash App has hit a rough patch. CNBC's MacKenzie Sigalos explains. youtube.com - 2 weeks ago
Down 24% in 2025, Should You Buy This Cheap Stock and Hold for the Long Term? Earnings season is in full swing. While the barrage of information can be overwhelming, the fresh financial updates that executive teams provide can give investors a much-needed glimpse into how certain businesses are performing. fool.com - 2 weeks ago
8. Profile Summary

PayPal Holdings, Inc. PYPL

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 66.5 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 Mr. Geoff Seeley Chief Marketing Officer Ms. Suzan Bulyaba Kereere President of Global Markets Mr. Steven Eric Winoker Chief Investor Relations Officer Ms. Amy Bonitatibus Chief Corporate Affairs Officer Ms. Jamie S. Miller Executive Vice President and Chief Financial & Operating 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. James Alexander Chriss President, Chief Executive Officer & Director