PYPL
PayPal Holdings, Inc.
$57.14
+1.11% 2026-10-20
FinancialsS&P 500
PYPLSPY
1W
+1.7%
1M
+9.0%
3M
+2.6%
6M
+13.0%
YTD
-1.3%
1Y
-16.5%
Live chart
Loading live chart…
Grades vs sector
Momentum9th pct in sectorD-
Momentum
9th pct in sector
12-1 return: -23.3%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Growth24th pct in sectorD+
Growth
24th pct in sector
Revenue growth (YoY): +4.8%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Value65th pct in sectorB
Value
65th pct in sector
Forward E/P: 10.2% · EBITDA/EV: 12.5%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Profitability57th pct in sectorB-
Profitability
57th pct in sector
Profit margin: +14.4% · Return on equity: +24.5%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
RevisionsNot enough data yet–
Revisions
Not enough data yet
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
Our models
Not held by any of our 5 live models right now.
Quality Growth
not ranked (outside this model's universe or screens)
Momentum Top 15rank 449 of 499 · 12-1 momentum % -20.8
Momentum Blendnot in the current book
New Highs Growthnot ranked (outside this model's universe or screens)
Conviction 20not in the current book
News
More newsIs The Market Underpricing Mastercard Stock?
Trefis · 2h ago
Should You Invest $1,000 in PayPal (PYPL) Right Now?
Nasdaq · 8h ago
Is Amazon still sending FTC refunds to Prime customers?
USA TODAY · 11h ago
PayPal shares may move 7.2% on upcoming earnings report
Investing.com · 14h ago
PayPal vs. SoFi Technologies: Which Financial Stock Is a Better Buy in 2026?
Nasdaq · 16h ago
Key stats
Market cap$48.9B
P/E (trailing)10.8
P/E (forward)9.9
52-week range38.46 – 79.22
Revenue growth (YoY, latest qtr)+4.8%
Dividend yield0.99%
Analyst consensusHold (33)
Mean price target$56.74 (-1%)
Valuation and fundamentals
Valuation & fundamentals
Bottom line
Looks undervalued
Model read-out from the numbers below, not advice. Score +3 (DCF counts double).
▲DCF (base case)above the price by 68%
•Forward P/E vs sector9.9x vs median 10.2x
▲Piotroski F-score8/9
▲Net debt / EBITDA0.0x
•Analyst target-1% (33 analysts)
Discounted cash flow
Bear
$63
+10%
growth 1% · disc. 11.7% · term. 2.0%
Base
$96
+68%
growth 6% · disc. 10.7% · term. 2.5%
Bull
$136
+139%
growth 9% · disc. 9.7% · term. 3.0%
A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.
Reverse DCFfor context, not a signal
A normal DCF guesses future cash flows and works out a price. A reverse DCF runs it backwards: it starts from today's price and asks how fast free cash flow would have to grow to justify it. It tells you what the market is assuming, not whether the stock is cheap or expensive, and it is not a buy or sell signal. Glossary
Today's price implies shrinking cash flows: about -2% a year for 10 years.
Implied
-2%/yr
FCF, last 3 yrs
+3%/yr
FCF, last 5 yrs
+1%/yr
Revenue, last 3 yrs
+6%/yr
Revenue, last 5 yrs
+9%/yr
Same inputs as the DCF above: trailing free cash flow 5.5B, 10.7% discount rate, 2.5% growth after year 10, net debt and today's share count. Actual growth rates are compound annual rates from SEC annual filings through FY2025; "n/a" means too little history or a negative starting year.
Edit assumptions · recalculates instantly
Your value per share–
Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-03-31). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.28 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.
Multiples vs Financials
P/E (trailing)
cheaper
sector median 13.0× · 26th pct
10.8×cheaper
Forward P/E
cheaper
sector median 10.2× · 45th pct
9.9×cheaper
EV / EBITDA
cheaper
sector median 10.9× · 23rd pct
7.0×cheaper
Price / sales
cheaper
sector median 2.8× · 27th pct
1.4×cheaper
Price / book
pricier
sector median 1.6× · 70th pct
2.4×pricier
FCF yield
cheaper
sector median 8.2% · 72nd pct
11.3%cheaper
Forward EPS $5.78 vs trailing $5.29 (+9% expected growth). Forward P/E uses analysts' next-12-month estimate.
Quality & financial health
Gross margin
–
Operating margin
17.9%
FCF margin
16.3%
Net margin
15.0%
Return on equity
25.3%
Return on invested capital
20.9%
Net debt / EBITDA
0.0×
Current ratio
1.3×
Interest cover
13.4×
Cash conversion (OCF/NI)
1.3×
Piotroski F-score 8/9 · last two fiscal years
✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✓ Cash flow above net income✓ Long-term debt / assets fell✓ Current ratio improved✓ No share dilution✗ Gross margin improved✓ Asset turnover improved
Analysts
Mean target
$57
-1%
Analysts
33
Hold
Range
$36–$80
low – high
● price · ◆ mean target
Annual history
| FY | Revenue | Net income | Free cash flow |
|---|---|---|---|
| 2025 | $33.2B | $5.2B | $5.6B |
| 2024 | $31.8B | $4.1B | $6.8B |
| 2023 | $29.8B | $4.2B | $4.2B |
| 2022 | $27.5B | $2.4B | $5.1B |
| 2021 | $25.4B | $4.2B | $4.9B |
| 2020 | $21.5B | $4.2B | $5.4B |
From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +6.4%.
Earnings
Next report: 2026-10-27 · before open · EPS est 1.31
EstimateActual (beat)Actual (miss)
| Report | EPS est | Actual | Surprise |
|---|---|---|---|
| 2026-07-28 | 1.28 | 1.38 | +8.0% |
| 2026-05-05 | 1.27 | 1.34 | +5.6% |
| 2026-02-03 | 1.29 | 1.23 | -4.4% |
| 2025-10-28 | 1.21 | 1.34 | +11.1% |
| 2025-07-29 | 1.30 | 1.40 | +8.0% |
| 2025-04-29 | 1.16 | 1.33 | +14.5% |
| 2025-02-04 | 1.12 | 1.19 | +6.0% |
| 2024-10-29 | 1.07 | 1.20 | +12.2% |
Quarterly revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 2026-06-30 | $8.7B | +4.8% |
| 2026-03-31 | $8.4B | – |
| 2025-12-31 | $8.7B | – |
| 2025-09-30 | $8.4B | – |
| 2025-06-30 | $8.3B | – |
Analyst actions
Barclays
PT $56
2026-10-09 · main
Equal-Weight → Equal-WeightPT $56
Truist Securities
PT $53
2026-08-31 · main
Hold → HoldPT $53
RBC Capital
PT $70
2026-08-31 · main
Outperform → OutperformPT $70
Loop Capital
PT $50
2026-08-28 · main
Hold → HoldPT $50
Truist Securities
PT $62
2026-08-19 · main
Hold → HoldPT $62
Piper Sandler
PT $59
2026-08-17 · main
Neutral → NeutralPT $59
Recent dividends
2026-09-04: $0.140 · 2026-06-04: $0.140 · 2026-03-04: $0.140 · 2025-11-19: $0.140
Insider trades
Natali Chris
$30.2K
SVP, Chief Accounting Officer · 2026-09-03
SELL$30.2K
Kereere Suzan
$60.0K
President, Global Markets · 2026-09-03
SELL$60.0K
Kereere Suzan
$55.5K
President, Global Markets · 2026-09-03
SELL$55.5K
Kereere Suzan
$72.8K
President, Global Markets · 2026-09-03
SELL$72.8K
Keller Frank
$132.7K
Pres., Checkout Sol. & PayPal · 2026-09-03
SELL$132.7K
Keller Frank
$55.7K
Pres., Checkout Sol. & PayPal · 2026-09-03
SELL$55.7K
Keller Frank
$67.2K
Pres., Checkout Sol. & PayPal · 2026-09-03
SELL$67.2K
Kereere Suzan
$204.6K
President, Global Markets · 2026-08-18
SELL$204.6K
Kereere Suzan
$49.1K
President, Global Markets · 2026-08-18
SELL$49.1K
Natali Chris
$77.7K
SVP, Chief Accounting Officer · 2026-07-29
SELL$77.7K
Keller Frank
$42.5K
Pres., Checkout Sol. & PayPal · 2026-07-29
SELL$42.5K
None
–
None · None
SELL–
Stats refreshed 2026-10-20 17:52:18 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now
coteau
Coteau Systematic Strategies publishes stock research and model portfolios. It doesn't manage money or give investment advice. Results are hypothetical unless marked Live. Data: Yahoo Finance (delayed) and SEC EDGAR.