Overall, PayPal demonstrates strong business quality through solid financial performance, innovative product offerings, and effective capital management. However, challenges such as unbranded volume growth and external economic factors may pose risks. The future prospects appear positive with a focus on omnichannel growth, SMB solutions, and Venmo monetization, despite some anticipated headwinds from interest rate changes.
Analysis Date: February 4, 2025 Last Updated: May 29, 2025
+90%
+6.6% per year
Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.
CountryUS
ExchangeNASDAQ
IndustryFinancial - Credit Services
SectorFinancial Services
Market Cap$89.76B
CEOMr. James Alexander Chriss
PayPal Holdings, Inc. is a company that helps people and businesses send and receive money online easily and safely. They offer services like PayPal, Venmo, and Braintree, which let you pay for things, send money to friends, or even accept payments for your business. With PayPal, you can use different currencies and access your money from various parts of the world. Founded in 1998 and based in San Jose, California, PayPal makes online payments simple for everyone.
Streams of revenue
Transaction Revenue:90%
Other Value Added Services:10%
Geographic Distribution
UNITED STATES:58%
Countries Other Than US And United Kingdom:42%
Core Products
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XoomInternational transfers
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VenmoPeer-to-peer payments
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PayPalOnline payments
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BraintreePayment gateway
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PayPal CreditDigital credit line
Business Type
Business to Consumer
Competitive Advantages
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
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About Profitability Metrics
Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.
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PYPL Stock Analysis: PayPal Holdings, Inc. Investment Guide
PYPL (PayPal Holdings, Inc.) is a Financial Services company listed on NASDAQ Global Select. The stock has generated 6.6% annual returns with an overall investment score of None/100.
Overall, PayPal demonstrates strong business quality through solid financial performance, innovative product offerings, and effective capital management. However, challenges such as unbranded volume growth and external economic factors may pose risks. The future prospects appear positive with a focus on omnichannel growth, SMB solutions, and Venmo monetization, despite some anticipated headwinds from interest rate changes.
PYPL Key Financial Metrics
PYPL financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 2.5/100 and profitability score of 5.0/100 with financial health rated 6.8500000000000005/100.
About PayPal Holdings, Inc.
PayPal Holdings, Inc. is a company that helps people and businesses send and receive money online easily and safely. They offer services like PayPal, Venmo, and Braintree, which let you pay for things, send money to friends, or even accept payments for your business. With PayPal, you can use different currencies and access your money from various parts of the world. Founded in 1998 and based in San Jose, California, PayPal makes online payments simple for everyone.
PYPL Investment Recommendation
Based on our comprehensive analysis of PYPL, investors should consider the company's positive performance track record, earnings consistency (9/10 quarters beat expectations), and current valuation metrics when making investment decisions.
Financial Services Sector Analysis
PYPL operates in the Financial - Credit Services industry within the Financial Services sector. This analysis compares PayPal Holdings, Inc. performance against industry and sector benchmarks to provide context for investment decisions.
Frequently Asked Questions about PYPL Stock
Is PYPL a good investment?
PYPL (PayPal Holdings, Inc.) has generated 6.6% annual returns with an overall score of None/100. Overall, PayPal demonstrates strong business quality through solid financial performance, innovative product offerings, and effective capital management. However, challenges such as unbranded volume growth and external economic factors may pose β¦ Investors should consider their risk tolerance and investment goals when evaluating PYPL.
What is PYPL P/E ratio and valuation?
PYPL valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Financial - Credit Services industry and Financial Services sector benchmarks. The company currently has a valuation score of 2.5/100.
Should I buy PYPL stock now?
The decision to buy PYPL stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 5.0/100, financial health score of 6.8500000000000005/100, and detailed performance metrics to help inform your investment decision.
What are PYPL financial health indicators?
PYPL financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 6.8500000000000005/100 based on comprehensive analysis of balance sheet strength and operational efficiency.
How does PYPL compare to competitors?
PYPL performance is benchmarked against Financial - Credit Services industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for PayPal Holdings, Inc.'s market position.
What are PYPL historical returns?
PYPL has generated 6.6% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.
PYPL Key Investment Metrics Summary
Annual Return: 6.6%
Valuation Score: 2.5/100
Profitability Score: 5.0/100
Financial Health Score: 6.8500000000000005/100
Growth Score: 3.3687658862718206/100
Earnings Beat Rate: 9/10 quarters
Sector: Financial Services
Industry: Financial - Credit Services
Exchange: NASDAQ Global Select
Market Cap: 89757406200
PYPL Investment Thesis
PayPal Holdings, Inc. (PYPL) represents a moderate investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.
Investment Strengths
Attractive P/E Ratio
Reasonable Price-to-Sales Ratio
Strong Return on Equity
Healthy Profit Margins
Low Debt-to-Equity Ratio
Strong Interest Coverage
Strong Operating and Financial Results
Focus on Innovation and Product Adoption
Strong Free Cash Flow and Share Buybacks
Commitment to Omnichannel Growth
Focus on Small and Medium Business (SMB) Solutions
Growth in Venmo and Monetization Strategies
Investment Risks
High P/B Ratio
Operating Profit Margin
Low Cash Ratio
Challenges with Unbranded Volume Growth
Headwinds from Interest Rate Cuts
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