Stock Analysis
PayPal Holdings, Inc. Common StockPYPL
P/E 9.89×· 5Y range 7.40–69.37×· bottom 12% of history
Sector: Financial Services · Industry: Credit Services
AnalystsHold52 analystsP/E 9.9× sits at the 12th percentile of its 5.0978781656399725-year history.
Cash covers 79% of debt · Q2 2026.
PMP Verdict
Strong business, attractive price
Strengths
- Quality97
- Profitability80
High-quality business at an attractive price.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓ROE 24.7% — efficient capital deployment
- ✓Interest coverage 1066.8× — debt well covered
- ✓P/E 9.9× at bottom 12% of 5-year history
What's happening with PYPL
Profile
Strong valuation, earnings quality and profitability.
How is each axis scored?
- Valuation100/100 · Strong
- P/E vs own history (12th pct)25/25
- FCF yield (13.7%)25/25
- P/S (1.4x)25/25
- EV/EBIT (8.6x)25/25
- Growth56/100 · Moderate
- Revenue CAGR (6.9%)12/25
- Net income CAGR (5.8%)12/25
- EPS CAGR 5Y (11.4%)20/25
- Fwd implied growth (5.5%)12/25
- Profitability80/100 · Strong
- ROIC (20.6%)20/25
- ROE (24.7%)20/25
- Net margin (14.4%)20/25
- Operating margin (17.4%)20/25
- Financial Health67/100 · Moderate
- Altman Z (1.59)10/25
- Current ratio (1.29)12/25
- Interest coverage (1066.8x)25/25
- Net cash / debt (D/A 4%)20/25
- Quality97/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.59)25/25
- FCF conversion (134%)25/25
- Margin stability (σ 2.6%)25/25
- Moat68/100 · Moderate
- ROIC >12% years (10/10 yrs)25/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 8.8%)18/25
Risk Flags
- ⚠Altman Z 1.6 — distress-zone balance sheet
About PayPal Holdings, Inc. Common Stock
PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. Show more
The company had 439 million active accounts at the end of 2025. The company also owns Venmo, a person-to-person payment platform.
Headquarters: SAN JOSE, CA · Employees: 23,800 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
100A+P/E (TTM)9.8xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.4x–69.4x · 12th pct
P/FCF7.4xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield13.7%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 1.2%–17.7% · 94th pct
P/S (TTM)1.41xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.1x–14.2x · 12th pct
EV/EBIT8.6xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 6.2x–81.4x · 12th pct
EV/Sales1.6xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.3xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.43xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.70B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio2.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
80AROIC20.6%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE24.7%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA6.1%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin14.4%A
Grade A: HighNet Income / Revenue
Operating Margin17.4%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin40.5%C
Grade C: AverageGross Profit / Revenue
FCF Margin19.3%A
Grade A: HighFCF / Revenue
True FCF Margin16.4%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
56CRevenue CAGR6.9%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR5.8%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)11.4%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth5.5%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-28.0%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income20.4%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue2.9%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
67BAltman Z-Score1.59D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.29xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.25xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1066.8xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.5yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.5xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.72xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.79xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
97A+Piotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.59A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion134.4%A
Grade A: StrongFCF / Net Income
Margin Stability2.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue2.6%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.42xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Miller Jamie S Filed | Miller Jamie S | Option exercise | -2910 | |
Miller Jamie S Filed | Miller Jamie S | Option exercise | -9094 | |
Miller Jamie S Filed | Miller Jamie S | Tax withholding | -6129 | |
Miller Jamie S Filed | Miller Jamie S | Option exercise | +2.9K | |
Miller Jamie S Filed | Miller Jamie S | Option exercise | +9.1K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Keller Frank Filed | Keller Frank | SellOpen market sale | -1185 | |
Keller Frank Filed | Keller Frank | SellOpen market sale | -1000 | |
Keller Frank Filed | Keller Frank | SellOpen market sale | -2427 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
68BROIC >12% Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor8.8%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.73
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$13.06
Cash & short-term investments per share (Finnhub)
Book Value / Share$22.99
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$14.22B
Total debt obligations (short + long term)
Cash & Equiv.$11.26B
Cash and short-term investments
Net Debt$2.96B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$19.82B
Shareholders' equity (book value)
Asset / Liability1.32xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$48.21B
Current Market Capitalization
Beta1.34C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: PayPal Holdings, Inc. Common Stock (PYPL)
PYPL is down 0.80% at the last close. PayPal Holdings, Inc. Common Stock meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 1.59 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.59 suggests a low likelihood of earnings manipulation.
- PayPal Holdings, Inc. Common Stock converts about 19% of revenue into free cash flow — strong cash generation.
- Takes ~0.5 years to repay net debt from free cash flow.
- At a valuation score of 100/100, PYPL trades near the cheapest end of its own historical range (P/E 9.8).
- Return on equity of 24.7% is well above the market average.
See how PYPL ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for PYPL in the last 30 days.
See PYPL move history →Frequently Asked Questions about PYPL
What is the current PayPal Holdings, Inc. Common Stock (PYPL) stock price?
PYPL is trading at $56.70 at the last market close, down 0.80% on the session. PreMarketPrice tracks PYPL pre-market, intraday and after-hours prices.
Is PYPL stock a buy right now?
PreMarketPrice's quantitative model rates PayPal Holdings, Inc. Common Stock's financial health at 67/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PYPL stock overvalued?
PayPal Holdings, Inc. Common Stock trades at a trailing P/E of 9.8 and our valuation score rates it 100/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does PayPal Holdings, Inc. Common Stock report earnings?
No confirmed earnings date is currently scheduled for PYPL. The Earnings section lists recent reports and updates as dates are announced.
What sector does PayPal Holdings, Inc. Common Stock operate in?
PayPal Holdings, Inc. Common Stock operates in the Financial Services sector, within the Credit Services industry. The Related Stocks section lists sector peers for comparison.
What does PayPal Holdings, Inc. Common Stock do?
PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions.
About PayPal Holdings, Inc. Common Stock (PYPL) Stock
PayPal Holdings, Inc. Common Stock (PYPL) is a US-listed stock operating in the Financial Services sector, specifically the Credit Services industry. As of the latest update, PayPal Holdings, Inc. Common Stock is trading at $56.70, down 0.80% on the day with a market capitalization of $48.2 billion. The financial health score for PYPL is 67/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PYPL stock.
PYPL Stock Analysis & Key Metrics
On PreMarketPrice, you can track PayPal Holdings, Inc. Common Stock (PYPL) across multiple dimensions:
- Pre-market price & movement: Real-time PYPL stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PYPL with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for PayPal Holdings, Inc. Common Stock across multiple reporting periods.
- Financial health score: A composite score of 67/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PYPL.
- Sector peers: Compare PYPL against 6 other financial services stocks on key financial metrics.
Is PYPL a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate PayPal Holdings, Inc. Common Stock (PYPL) as an investment. The financial health score of 67/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.PayPal Holdings, Inc. Common Stock (PYPL) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.