PayPal Holdings, Inc.

PYPL Financial Services Financial - Credit Services NASDAQ

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$62.28

+$0.55 (+0.89%)

Open: $61.67 | High: $62.94 | Low: $61.50 | Prev Close: $61.73

Market Cap: $58.27B

Volume: 11.0M | Avg: 16.3M

Last updated: December 05, 2025 at 10:06 PM
Investment Rating
A-

Buy

Overall Score: 80/100

Rating Breakdown:
DCF Score 5/5
100%
Strong Buy
ROE Score 5/5
100%
Strong Buy
ROA Score 5/5
100%
Strong Buy
D/E Score 2/5
40%
Sell
P/E Score 2/5
40%
Sell
P/B Score 1/5
20%
Strong Sell
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Stock Score Analysis
D

Stock Score: 575

Comprehensive Quality Assessment

Component Breakdown:
Efficiency 35
Financial Health 50
Growth 70
Market Sentiment 20
Risk 40
Lower is better
Valuation 50
Momentum 10
View Full Stock Score Dashboard
Valuation Metrics
Valuation Ratios
P/E Ratio 12.51
P/B Ratio 2.98
P/S Ratio 1.77
EPS $4.98
Beta 1.44
Shares Outstanding 935.65M
Price Range & Moving Averages
52-Week High $93.66
52-Week Low $55.85
SMA 50 $66.79
SMA 200 $68.93
Dividend Information
Dividend Yield 0.90%
Annual Dividend $0.56
Earnings
Next Earnings February 03, 2026 05:00 AM ET
Financial Ratios
Margins
Gross Margin 46.8%
Operating Margin 18.2%
Net Margin 15.0%
Returns
ROE 24.3%
ROA 6.2%
Liquidity & Leverage
Debt/Equity 0.56
Current Ratio 1.34
Quick Ratio 1.34
Balance Sheet
Total Assets $81.61B
Total Liabilities $61.19B
Total Equity $20.42B
Cash $6.56B
Total Debt $9.88B
Net Debt $3.32B
Income Statement
Revenue $31.80B
Gross Profit $14.66B
Operating Income $5.33B
Net Income $4.15B
EBITDA $6.74B
Revenue/Share $33.95
Cash Flow
Operating CF $7.45B
CapEx $683.00M
Free Cash Flow $6.77B
Book Value/Share $20.87
Tangible Book/Share $9.33
Equity/Share $20.87
Technical Indicators
RSI (14) 37.51 Neutral
MACD
-1.55 Signal: -1.77
Volatility 36.38%
Trading Signal Bullish
Performance & Returns
Total Returns
1 Year -20.52%
Risk-Adjusted Returns
Sharpe Ratio -0.7 Poor
Volatility (Ann.) 37.76% Moderate
vs S&P 500 (SPY)
PYPL (1Y) -20.52%
S&P 500 (1Y) +11.86%
Alpha (Excess Return) -32.38%
Risk-free rate: 4.5% (3-month US Treasury) • Based on 199 trading days
Sector Comparison (Financial Services)
Compared to 166 peers in Financial Services
Metric PYPL Sector Avg Percentile
P/E Ratio 12.51 48.29 13%
P/B Ratio 2.98 3.94 65%
ROE (%) 24.26% 18.28% 77%
Net Margin (%) 14.96% 18.59% 39%
Stock Score 575 407.0 95%
1Y Return (%) -20.52% +6.39% 6%
Percentile: 0% = worst in sector, 100% = best in sector
Historical Price Analysis (Last 200 Days)
Technical Analysis
Ticker Close SMA 5 SMA 8 SMA 13 SMA 50 SMA 200 RSI (14) MACD Volatility (%) Volume Signal SMA Decision
PYPL $62.28 $62.23 $61.84 $61.24 $66.79 $68.93 37.51 -1.55 36.38% 15994272 Weak Short Bullish Stack
Candlestick Patterns

There wasn't any recognizable pattern for the PYPL stock

News Sentiment
📊 Ticker 📰 Headline 💭 Sentiment 📡 Source 🔗 URL
PYPL JPMorgan Benches PayPal, Bets on Toast Neutral gurufocus.com Read More
PYPL PayPal's Branded Checkout & OpEx Concern: Will Growth be Affected? Positive zacks.com Read More
PYPL Buy Visa, Ignore PayPal. How J.P. Morgan Is Playing Payments Stocks in 2026. Neutral barrons.com Read More
PYPL Here Are Thursday’s Top Wall Street Analyst Research Calls: AutoZone, BXP, Fiserv, Meta Platforms, PayPal, Salesforce, Toast and More Neutral 247wallst.com Read More
PYPL PayPal stock price forecast: Is this fintech giant a buy? Neutral invezz.com Read More
Company Information

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.

CEO Alex Chriss
Employees 24400
Country US
IPO Date 2015-07-06
Exchange NASDAQ
Website https://www.paypal.com
Sector Financial Services
Industry Financial - Credit Services
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Rating Metrics Explained
DCF Score (Discounted Cash Flow)

Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.

ROE Score (Return on Equity)

Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.

ROA Score (Return on Assets)

Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.

D/E Score (Debt-to-Equity)

Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.

P/E Score (Price-to-Earnings)

Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.

P/B Score (Price-to-Book)

Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.

Rating Recommendations:

Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:

  • Strong Buy (5/5): Excellent score - strong positive indicator
    • The metric significantly outperforms industry averages (top 20% of companies)
    • Indicates exceptional financial health or attractive valuation in that category
  • Buy (4/5): Good score - positive indicator
    • Above-average performance (top 40% of companies)
    • Shows strong fundamentals with room for improvement
  • Neutral (3/5): Average score - neutral indicator
    • Performance in line with industry median (middle 20%)
    • Neither significantly positive nor negative signal
  • Sell (2/5): Below average - negative indicator
    • Below-average performance (bottom 40% of companies)
    • Suggests weakness in this particular metric
  • Strong Sell (1/5): Poor score - strong negative indicator
    • Significantly underperforms industry (bottom 20%)
    • Indicates potential risk or overvaluation in that category
Note: The overall rating combines all six component scores to provide a comprehensive investment assessment. No single metric should be used in isolation for investment decisions.