Stock AnalizPayPal Holdings, Inc. PYPL
Diversified Commercial Services · data as of November 13, 2026
PayPal Holdings, Inc. (PYPL) is a industrial company listed in the US with a market value of about $49.2B. In the twelve months to September 30, 2026 it had revenue of $34.3B and net income of $4.7B, a net margin of 13.8%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 11.3, a price to free cash flow of 7.8, 5-year revenue growth of 9% a year, a 5-year average ROIC of 12%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 88% above the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- More cash than debt, or low debt to equity
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $34.3B | $33.2B | $31.8B | $29.8B | $27.5B | $25.4B | $21.5B | $17.8B | $15.5B | $13.1B | $10.8B |
| Net income | $4.7B | $5.2B | $4.1B | $4.2B | $2.4B | $4.2B | $4.2B | $2.5B | $2.1B | $1.8B | $1.4B |
| Free cash flow | $6.3B | $5.6B | $6.8B | $4.2B | $5.1B | $4.9B | $5.4B | $3.4B | $4.7B | $1.9B | $2.5B |
| EPS (diluted) | $5.24 | $5.41 | $3.99 | $3.84 | $2.09 | $3.52 | $3.54 | $2.07 | $1.71 | $1.47 | $1.15 |
| Net margin | 13.8% | 15.8% | 13.0% | 14.3% | 8.8% | 16.4% | 19.6% | 13.8% | 13.3% | 13.7% | 12.9% |
| ROIC | — | 14.8% | 13.2% | 12.3% | 8.8% | 10.7% | 9.2% | 10.0% | 10.9% | 10.2% | 9.3% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 33 analysts is $57.31, 3% below the current price; targets range from $36.00 to $80.00; the consensus rating is “Hold”; expected EPS is $5.58 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is PayPal’s P/E ratio?
About 11.3, based on the last twelve months of diluted earnings per share (forward P/E about 10.2).
Is PayPal stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 88% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does PayPal pay a dividend?
Yes. The dividend yield is about 0.94%, and it has paid dividends for 1 years in our data.
Is PayPal a good stock to buy?
We do not give buy or sell advice. PayPal scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.