PAYPAL HOLDINGS INC (1PYPL.MI) Stock Fundamental Analysis

BIT:1PYPL • US70450Y1038

32.745 EUR
-1.27 (-3.72%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

1PYPL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 59 industry peers in the Financial Services industry. 1PYPL scores excellent on profitability, but there are some minor concerns on its financial health. 1PYPL may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make 1PYPL a good candidate for value investing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • 1PYPL had positive earnings in the past year.
  • In the past year 1PYPL had a positive cash flow from operations.
  • Each year in the past 5 years 1PYPL has been profitable.
  • 1PYPL had a positive operating cash flow in each of the past 5 years.
1PYPL.MI Yearly Net Income VS EBIT VS OCF VS FCF1PYPL.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • 1PYPL's Return On Assets of 6.53% is amongst the best of the industry. 1PYPL outperforms 86.44% of its industry peers.
  • With an excellent Return On Equity value of 25.83%, 1PYPL belongs to the best of the industry, outperforming 88.14% of the companies in the same industry.
  • 1PYPL's Return On Invested Capital of 15.26% is amongst the best of the industry. 1PYPL outperforms 88.14% of its industry peers.
  • 1PYPL had an Average Return On Invested Capital over the past 3 years of 13.68%. This is above the industry average of 9.72%.
  • The 3 year average ROIC (13.68%) for 1PYPL is below the current ROIC(15.26%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.53%
ROE 25.83%
ROIC 15.26%
ROA(3y)5.59%
ROA(5y)5.07%
ROE(3y)22.11%
ROE(5y)19.49%
ROIC(3y)13.68%
ROIC(5y)12.27%
1PYPL.MI Yearly ROA, ROE, ROIC1PYPL.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • Looking at the Profit Margin, with a value of 15.78%, 1PYPL is in line with its industry, outperforming 59.32% of the companies in the same industry.
  • 1PYPL's Profit Margin has declined in the last couple of years.
  • 1PYPL's Operating Margin of 19.28% is fine compared to the rest of the industry. 1PYPL outperforms 64.41% of its industry peers.
  • 1PYPL's Operating Margin has improved in the last couple of years.
  • The Gross Margin of 1PYPL (41.48%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of 1PYPL has declined.
Industry RankSector Rank
OM 19.28%
PM (TTM) 15.78%
GM 41.48%
OM growth 3Y9.47%
OM growth 5Y3.83%
PM growth 3Y21.52%
PM growth 5Y-4.24%
GM growth 3Y-0.68%
GM growth 5Y-2.31%
1PYPL.MI Yearly Profit, Operating, Gross Margins1PYPL.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1PYPL is creating value.
  • Compared to 1 year ago, 1PYPL has less shares outstanding
  • The number of shares outstanding for 1PYPL has been reduced compared to 5 years ago.
  • Compared to 1 year ago, 1PYPL has an improved debt to assets ratio.
1PYPL.MI Yearly Shares Outstanding1PYPL.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
1PYPL.MI Yearly Total Debt VS Total Assets1PYPL.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • 1PYPL has an Altman-Z score of 1.81. This is a bad value and indicates that 1PYPL is not financially healthy and even has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.81, 1PYPL is doing good in the industry, outperforming 64.41% of the companies in the same industry.
  • 1PYPL has a debt to FCF ratio of 1.79. This is a very positive value and a sign of high solvency as it would only need 1.79 years to pay back of all of its debts.
  • The Debt to FCF ratio of 1PYPL (1.79) is better than 79.66% of its industry peers.
  • 1PYPL has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
  • 1PYPL's Debt to Equity ratio of 0.49 is in line compared to the rest of the industry. 1PYPL outperforms 54.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 1.79
Altman-Z 1.81
ROIC/WACC1.89
WACC8.09%
1PYPL.MI Yearly LT Debt VS Equity VS FCF1PYPL.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

  • 1PYPL has a Current Ratio of 1.29. This is a normal value and indicates that 1PYPL is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Current ratio value of 1.29, 1PYPL perfoms like the industry average, outperforming 52.54% of the companies in the same industry.
  • A Quick Ratio of 1.29 indicates that 1PYPL should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.29, 1PYPL is in line with its industry, outperforming 59.32% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29
1PYPL.MI Yearly Current Assets VS Current Liabilites1PYPL.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.43% over the past year.
  • 1PYPL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.53% yearly.
  • The Revenue has been growing slightly by 4.32% in the past year.
  • The Revenue has been growing by 9.11% on average over the past years. This is quite good.
EPS 1Y (TTM)6.43%
EPS 3Y8.67%
EPS 5Y5.53%
EPS Q2Q%3.36%
Revenue 1Y (TTM)4.32%
Revenue growth 3Y6.43%
Revenue growth 5Y9.11%
Sales Q2Q%3.71%

3.2 Future

  • 1PYPL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.78% yearly.
  • 1PYPL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.83% yearly.
EPS Next Y10.74%
EPS Next 2Y11.08%
EPS Next 3Y14.21%
EPS Next 5Y12.78%
Revenue Next Year5.6%
Revenue Next 2Y5.94%
Revenue Next 3Y6.4%
Revenue Next 5Y7.83%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
1PYPL.MI Yearly Revenue VS Estimates1PYPL.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 10B 20B 30B 40B 50B
1PYPL.MI Yearly EPS VS Estimates1PYPL.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2 4 6 8 10

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • 1PYPL is valuated cheaply with a Price/Earnings ratio of 7.34.
  • 1PYPL's Price/Earnings ratio is rather cheap when compared to the industry. 1PYPL is cheaper than 83.05% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, 1PYPL is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.62, which indicates a rather cheap valuation of 1PYPL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1PYPL indicates a rather cheap valuation: 1PYPL is cheaper than 83.05% of the companies listed in the same industry.
  • 1PYPL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 7.34
Fwd PE 6.62
1PYPL.MI Price Earnings VS Forward Price Earnings1PYPL.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 81.36% of the companies in the same industry are more expensive than 1PYPL, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, 1PYPL is valued cheaper than 81.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.54
EV/EBITDA 4.56
1PYPL.MI Per share data1PYPL.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 1PYPL has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as 1PYPL's earnings are expected to grow with 14.21% in the coming years.
PEG (NY)0.68
PEG (5Y)1.33
EPS Next 2Y11.08%
EPS Next 3Y14.21%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • 1PYPL has a Yearly Dividend Yield of 1.40%.
  • The stock price of 1PYPL dropped by -40.96% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 2.15, 1PYPL has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.80, 1PYPL is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.4%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 2.48% of the earnings are spent on dividend by 1PYPL. This is a low number and sustainable payout ratio.
DP2.48%
EPS Next 2Y11.08%
EPS Next 3Y14.21%
1PYPL.MI Yearly Income VS Free CF VS Dividend1PYPL.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B
1PYPL.MI Dividend Payout.1PYPL.MI Dividend Payout, showing the Payout Ratio.1PYPL.MI Dividend Payout.PayoutRetained Earnings

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PAYPAL HOLDINGS INC

BIT:1PYPL (2/12/2026, 7:00:00 PM)

32.745

-1.27 (-3.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-27
Inst Owners80.89%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap30.64B
Revenue(TTM)33.17B
Net Income(TTM)5.23B
Analysts68.8
Price Target63.49 (93.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.4%
Yearly Dividend0.12
Dividend Growth(5Y)N/A
DP2.48%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.63%
Min EPS beat(2)-6.12%
Max EPS beat(2)9.38%
EPS beat(4)3
Avg EPS beat(4)5.34%
Min EPS beat(4)-6.12%
Max EPS beat(4)12.26%
EPS beat(8)7
Avg EPS beat(8)8.3%
EPS beat(12)10
Avg EPS beat(12)6.57%
EPS beat(16)13
Avg EPS beat(16)5.95%
Revenue beat(2)1
Avg Revenue beat(2)-1.54%
Min Revenue beat(2)-3.34%
Max Revenue beat(2)0.26%
Revenue beat(4)2
Avg Revenue beat(4)-1.3%
Min Revenue beat(4)-3.34%
Max Revenue beat(4)0.55%
Revenue beat(8)3
Avg Revenue beat(8)-1.12%
Revenue beat(12)3
Avg Revenue beat(12)-1.11%
Revenue beat(16)3
Avg Revenue beat(16)-1.21%
PT rev (1m)-10.51%
PT rev (3m)-15.94%
EPS NQ rev (1m)-1.21%
EPS NQ rev (3m)-1.02%
EPS NY rev (1m)-1.34%
EPS NY rev (3m)-0.71%
Revenue NQ rev (1m)-0.37%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)0.31%
Valuation
Industry RankSector Rank
PE 7.34
Fwd PE 6.62
P/S 1.1
P/FCF 6.54
P/OCF 5.67
P/B 1.8
P/tB 3.96
EV/EBITDA 4.56
EPS(TTM)4.46
EY13.62%
EPS(NY)4.94
Fwd EY15.1%
FCF(TTM)5.01
FCFY15.29%
OCF(TTM)5.78
OCFY17.64%
SpS29.86
BVpS18.23
TBVpS8.27
PEG (NY)0.68
PEG (5Y)1.33
Graham Number42.77
Profitability
Industry RankSector Rank
ROA 6.53%
ROE 25.83%
ROCE 18.96%
ROIC 15.26%
ROICexc 22.09%
ROICexgc 42.08%
OM 19.28%
PM (TTM) 15.78%
GM 41.48%
FCFM 16.77%
ROA(3y)5.59%
ROA(5y)5.07%
ROE(3y)22.11%
ROE(5y)19.49%
ROIC(3y)13.68%
ROIC(5y)12.27%
ROICexc(3y)21.02%
ROICexc(5y)18.45%
ROICexgc(3y)44.19%
ROICexgc(5y)39.13%
ROCE(3y)16.99%
ROCE(5y)15.24%
ROICexgc growth 3Y11.65%
ROICexgc growth 5Y5.93%
ROICexc growth 3Y15.6%
ROICexc growth 5Y8.67%
OM growth 3Y9.47%
OM growth 5Y3.83%
PM growth 3Y21.52%
PM growth 5Y-4.24%
GM growth 3Y-0.68%
GM growth 5Y-2.31%
F-Score8
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 1.79
Debt/EBITDA 1.36
Cap/Depr 88.47%
Cap/Sales 2.57%
Interest Coverage 15.75
Cash Conversion 87.19%
Profit Quality 106.33%
Current Ratio 1.29
Quick Ratio 1.29
Altman-Z 1.81
F-Score8
WACC8.09%
ROIC/WACC1.89
Cap/Depr(3y)70.92%
Cap/Depr(5y)67.63%
Cap/Sales(3y)2.27%
Cap/Sales(5y)2.59%
Profit Quality(3y)122.96%
Profit Quality(5y)139.46%
High Growth Momentum
Growth
EPS 1Y (TTM)6.43%
EPS 3Y8.67%
EPS 5Y5.53%
EPS Q2Q%3.36%
EPS Next Y10.74%
EPS Next 2Y11.08%
EPS Next 3Y14.21%
EPS Next 5Y12.78%
Revenue 1Y (TTM)4.32%
Revenue growth 3Y6.43%
Revenue growth 5Y9.11%
Sales Q2Q%3.71%
Revenue Next Year5.6%
Revenue Next 2Y5.94%
Revenue Next 3Y6.4%
Revenue Next 5Y7.83%
EBIT growth 1Y10.98%
EBIT growth 3Y16.51%
EBIT growth 5Y13.29%
EBIT Next Year16.39%
EBIT Next 3Y11.28%
EBIT Next 5Y10.31%
FCF growth 1Y-17.78%
FCF growth 3Y2.9%
FCF growth 5Y0.78%
OCF growth 1Y-13.88%
OCF growth 3Y3.34%
OCF growth 5Y0.63%

PAYPAL HOLDINGS INC / 1PYPL.MI FAQ

Can you provide the ChartMill fundamental rating for PAYPAL HOLDINGS INC?

ChartMill assigns a fundamental rating of 6 / 10 to 1PYPL.MI.


What is the valuation status of PAYPAL HOLDINGS INC (1PYPL.MI) stock?

ChartMill assigns a valuation rating of 8 / 10 to PAYPAL HOLDINGS INC (1PYPL.MI). This can be considered as Undervalued.


What is the profitability of 1PYPL stock?

PAYPAL HOLDINGS INC (1PYPL.MI) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for 1PYPL stock?

The Price/Earnings (PE) ratio for PAYPAL HOLDINGS INC (1PYPL.MI) is 7.34 and the Price/Book (PB) ratio is 1.8.


Can you provide the dividend sustainability for 1PYPL stock?

The dividend rating of PAYPAL HOLDINGS INC (1PYPL.MI) is 3 / 10 and the dividend payout ratio is 2.48%.