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PayPal

NSQ:PYPL · US70450Y1038
Diversified Financial ServicesX-Large

360

51
Medium confidence — indicative
EV / EBIT76
Price / Owner Earnings88
Owner Earnings Yield66
Dividend Yield73
Price/Sales72
EV / Gross Profit59
Price/Book73
Returns on capital70
Profit margins60
Cash Conversion33
Accruals62
Owner Earnings Margin57
Sales growth26
Profit Growth92
Long-Term EPS Growth48
Owner Earnings Growth46
Reinvestment52
Price momentum14
Debt load69
Debt serviceability75
Liquidity80
Analyst ratings9
Opinion Changes44
Price Target Upside25
Market mood29
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

PayPal clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryDiversified Financial Services
SizeX-Large
TypePublic Company
ExchangeNASDAQGS
Founded2015
Employees26,318
Websitepaypal.com
ISINUS70450Y1038
Last UpdateApr 2, 2026
Indices
NASDAQ 100 (USA)NASDAQ (USA)Renewable Energy UsersS&P 500 (USA)
Themes
BlockchainAnti-FraudPayment Facilitator EnablersBuy Now Pay Later (BNPL)FintechOnline PaymentsCryptocurrencyVirtual CurrencyElectronic Money Institutions (EMIs)Consumer Lending

Description

PayPal Holdings, Inc. (PayPal) operates as a technology and platform agnostic. The company’s products are designed to enable digital payments and simplify commerce experiences for consumers and merchants to make selling, shopping, and sending and re…

Analysis

Middle-of-the-road

PayPal Holdings, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 7.9×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -7% a year, against analyst forecasts of 7%. The price, in other words, assumes less than the experts do.

Growth is tepid; the safety picture is sturdy. The company scores 12/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
71
2023202420252026

All-time high

100

Feb 2025

All-time low

35

Jul 2024

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
72
63
53
17
Price/Earnings
64
68
79
14
Price/Book
73
59
53
30
Dividend Yield
73
93
1
1
Value (overall)
86
99
55
49

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →