PAYPAL HOLDINGS INC (1PYPL.MI) Fundamental Analysis & Valuation

BIT:1PYPL • US70450Y1038

Current stock price

38.75 EUR
-0.22 (-0.55%)
Last:

This 1PYPL.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. 1PYPL.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1PYPL was profitable.
  • In the past year 1PYPL had a positive cash flow from operations.
  • Each year in the past 5 years 1PYPL has been profitable.
  • Each year in the past 5 years 1PYPL had a positive operating cash flow.
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

  • With an excellent Return On Assets value of 6.53%, 1PYPL belongs to the best of the industry, outperforming 89.09% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 25.83%, 1PYPL belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
  • 1PYPL has a better Return On Invested Capital (15.26%) than 90.91% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for 1PYPL is above the industry average of 8.81%.
  • The last Return On Invested Capital (15.26%) for 1PYPL is above the 3 year average (13.68%), which is a sign of increasing profitability.
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

  • 1PYPL's Profit Margin of 15.78% is fine compared to the rest of the industry. 1PYPL outperforms 61.82% of its industry peers.
  • 1PYPL's Profit Margin has declined in the last couple of years.
  • The Operating Margin of 1PYPL (19.28%) is better than 67.27% of its industry peers.
  • 1PYPL's Operating Margin has improved in the last couple of years.
  • With a Gross Margin value of 41.48%, 1PYPL perfoms like the industry average, outperforming 45.45% of the companies in the same 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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6

2. 1PYPL.MI Health Analysis

2.1 Basic Checks

  • 1PYPL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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.
  • 1PYPL has a worse debt/assets ratio than last year.
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

  • An Altman-Z score of 1.86 indicates that 1PYPL is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • 1PYPL has a Altman-Z score of 1.86. This is in the better half of the industry: 1PYPL outperforms 65.45% of its industry peers.
  • 1PYPL has a debt to FCF ratio of 2.05. This is a good value and a sign of high solvency as 1PYPL would need 2.05 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.05, 1PYPL belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
  • A Debt/Equity ratio of 0.49 indicates that 1PYPL is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.49, 1PYPL perfoms like the industry average, outperforming 50.91% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.05
Altman-Z 1.86
ROIC/WACC2.04
WACC7.49%
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 49.09% of the companies in the same industry.
  • 1PYPL has a Quick 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.
  • 1PYPL has a Quick ratio of 1.29. This is comparable to the rest of the industry: 1PYPL outperforms 56.36% of its industry peers.
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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5

3. 1PYPL.MI Growth Analysis

3.1 Past

  • 1PYPL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.43%.
  • The Earnings Per Share has been growing slightly by 5.53% on average over the past years.
  • 1PYPL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.32%.
  • 1PYPL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.11% yearly.
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

  • Based on estimates for the next years, 1PYPL will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.78% on average per year.
  • 1PYPL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.93% yearly.
EPS Next Y2.2%
EPS Next 2Y5.68%
EPS Next 3Y7.36%
EPS Next 5Y12.78%
Revenue Next Year2.4%
Revenue Next 2Y3.33%
Revenue Next 3Y3.92%
Revenue Next 5Y6.93%

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 decreasing: in the next years the growth will be less than in the last years.
1PYPL.MI Yearly Revenue VS Estimates1PYPL.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 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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6

4. 1PYPL.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.54, the valuation of 1PYPL can be described as reasonable.
  • 1PYPL's Price/Earnings ratio is a bit cheaper when compared to the industry. 1PYPL is cheaper than 80.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, 1PYPL is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.36, the valuation of 1PYPL can be described as very reasonable.
  • 1PYPL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1PYPL is cheaper than 74.55% of the companies in the same industry.
  • 1PYPL is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.54
Fwd PE 8.36
1PYPL.MI Price Earnings VS Forward Price Earnings1PYPL.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, 1PYPL is valued a bit cheaper than the industry average as 78.18% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1PYPL indicates a somewhat cheap valuation: 1PYPL is cheaper than 78.18% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.49
EV/EBITDA 5.48
1PYPL.MI Per share data1PYPL.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1PYPL does not grow enough to justify the current Price/Earnings ratio.
  • 1PYPL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)3.88
PEG (5Y)1.54
EPS Next 2Y5.68%
EPS Next 3Y7.36%

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3

5. 1PYPL.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.28%, 1PYPL has a reasonable but not impressive dividend return.
  • The stock price of 1PYPL dropped by -21.81% 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 2.60, 1PYPL has a dividend in line with its industry peers.
  • 1PYPL's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.28%

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 2Y5.68%
EPS Next 3Y7.36%
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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1PYPL.MI Fundamentals: All Metrics, Ratios and Statistics

PAYPAL HOLDINGS INC

BIT:1PYPL (4/9/2026, 7:00:00 PM)

38.75

-0.22 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)05-05
Inst Owners82.1%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap35.68B
Revenue(TTM)33.17B
Net Income(TTM)5.23B
Analysts66.4
Price Target43.88 (13.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.28%
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)0%
PT rev (3m)-38.15%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)-9.22%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.95%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)-3.03%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-3.3%
Valuation
Industry RankSector Rank
PE 8.54
Fwd PE 8.36
P/S 1.26
P/FCF 7.49
P/OCF 6.5
P/B 2.06
P/tB 4.54
EV/EBITDA 5.48
EPS(TTM)4.54
EY11.72%
EPS(NY)4.64
Fwd EY11.96%
FCF(TTM)5.17
FCFY13.35%
OCF(TTM)5.96
OCFY15.39%
SpS30.83
BVpS18.83
TBVpS8.54
PEG (NY)3.88
PEG (5Y)1.54
Graham Number43.86
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 2.05
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 1.86
F-Score8
WACC7.49%
ROIC/WACC2.04
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 Y2.2%
EPS Next 2Y5.68%
EPS Next 3Y7.36%
EPS Next 5Y12.78%
Revenue 1Y (TTM)4.32%
Revenue growth 3Y6.43%
Revenue growth 5Y9.11%
Sales Q2Q%3.71%
Revenue Next Year2.4%
Revenue Next 2Y3.33%
Revenue Next 3Y3.92%
Revenue Next 5Y6.93%
EBIT growth 1Y10.98%
EBIT growth 3Y16.51%
EBIT growth 5Y13.29%
EBIT Next Year5.21%
EBIT Next 3Y1.99%
EBIT Next 5Y10.35%
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 Fundamental Analysis 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 6 / 10 to PAYPAL HOLDINGS INC (1PYPL.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for PAYPAL HOLDINGS INC?

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


What are the PE and PB ratios of PAYPAL HOLDINGS INC (1PYPL.MI) stock?

The Price/Earnings (PE) ratio for PAYPAL HOLDINGS INC (1PYPL.MI) is 8.54 and the Price/Book (PB) ratio is 2.06.


What is the expected EPS growth for PAYPAL HOLDINGS INC (1PYPL.MI) stock?

The Earnings per Share (EPS) of PAYPAL HOLDINGS INC (1PYPL.MI) is expected to grow by 2.2% in the next year.