PAYPAL HOLDINGS INC (1PYPL.MI) Fundamental Analysis & Valuation
BIT:1PYPL • US70450Y1038
Current stock price
42.595 EUR
-0.87 (-1.99%)
Last:
This 1PYPL.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. 1PYPL.MI Profitability Analysis
1.1 Basic Checks
- In the past year 1PYPL was profitable.
- 1PYPL had a positive operating cash flow in the past year.
- 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.
1.2 Ratios
- With an excellent Return On Assets value of 6.53%, 1PYPL belongs to the best of the industry, outperforming 84.21% 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 84.21% 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 85.96% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for 1PYPL is above the industry average of 10.55%.
- 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 Rank | Sector 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%
1.3 Margins
- 1PYPL's Profit Margin of 15.78% is in line compared to the rest of the industry. 1PYPL outperforms 56.14% of its industry peers.
- 1PYPL's Profit Margin has declined in the last couple of years.
- 1PYPL's Operating Margin of 19.28% is in line compared to the rest of the industry. 1PYPL outperforms 57.89% of its industry peers.
- In the last couple of years the Operating Margin of 1PYPL has grown nicely.
- 1PYPL has a Gross Margin (41.48%) which is in line with its industry peers.
- 1PYPL's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. 1PYPL.MI Health Analysis
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
- Compared to 5 years ago, 1PYPL has less shares outstanding
- 1PYPL has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 1.89 indicates that 1PYPL is not a great score, but indicates only limited risk for bankruptcy at the moment.
- With a Altman-Z score value of 1.89, 1PYPL perfoms like the industry average, outperforming 59.65% of the companies in the same industry.
- 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.
- 1PYPL has a better Debt to FCF ratio (2.05) than 77.19% of its industry peers.
- A Debt/Equity ratio of 0.49 indicates that 1PYPL is not too dependend on debt financing.
- The Debt to Equity ratio of 1PYPL (0.49) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 2.05 | ||
| Altman-Z | 1.89 |
ROIC/WACC2.02
WACC7.57%
2.3 Liquidity
- A Current Ratio of 1.29 indicates that 1PYPL should not have too much problems paying its short term obligations.
- 1PYPL's Current ratio of 1.29 is in line compared to the rest of the industry. 1PYPL outperforms 49.12% of its industry peers.
- 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's Quick ratio of 1.29 is in line compared to the rest of the industry. 1PYPL outperforms 54.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.29 | ||
| Quick Ratio | 1.29 |
3. 1PYPL.MI Growth Analysis
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.
- 1PYPL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.32%.
- 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 6.93% yearly.
EPS Next Y2.24%
EPS Next 2Y5.7%
EPS Next 3Y7.37%
EPS Next 5Y12.78%
Revenue Next Year2.37%
Revenue Next 2Y3.3%
Revenue Next 3Y3.84%
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.
4. 1PYPL.MI Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.40 indicates a reasonable valuation of 1PYPL.
- Compared to the rest of the industry, the Price/Earnings ratio of 1PYPL indicates a somewhat cheap valuation: 1PYPL is cheaper than 75.44% of the companies listed in the same industry.
- 1PYPL is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 9.19, which indicates a very decent valuation of 1PYPL.
- 1PYPL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1PYPL is cheaper than 71.93% of the companies 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 22.62.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.4 | ||
| Fwd PE | 9.19 |
4.2 Price Multiples
- 71.93% of the companies in the same industry are more expensive than 1PYPL, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1PYPL indicates a somewhat cheap valuation: 1PYPL is cheaper than 75.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.05 | ||
| EV/EBITDA | 5.9 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The decent profitability rating of 1PYPL may justify a higher PE ratio.
PEG (NY)4.2
PEG (5Y)1.7
EPS Next 2Y5.7%
EPS Next 3Y7.37%
5. 1PYPL.MI Dividend Analysis
5.1 Amount
- 1PYPL has a Yearly Dividend Yield of 1.12%. Purely for dividend investing, there may be better candidates out there.
- 1PYPL's Dividend Yield is comparable with the industry average which is at 2.27.
- Compared to the average S&P500 Dividend Yield of 1.81, 1PYPL is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.12% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 1PYPL pays out 2.48% of its income as dividend. This is a sustainable payout ratio.
DP2.48%
EPS Next 2Y5.7%
EPS Next 3Y7.37%
1PYPL.MI Fundamentals: All Metrics, Ratios and Statistics
BIT:1PYPL (4/23/2026, 7:00:00 PM)
42.595
-0.87 (-1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03 2026-02-03/bmo
Earnings (Next)05-05 2026-05-05/amc
Inst Owners82.21%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap38.32B
Revenue(TTM)33.17B
Net Income(TTM)5.23B
Analysts66.4
Price Target43.62 (2.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.12% |
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)-0.6%
PT rev (3m)-34.03%
EPS NQ rev (1m)0.09%
EPS NQ rev (3m)-8.03%
EPS NY rev (1m)0.04%
EPS NY rev (3m)-7.93%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-2.69%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-3.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.4 | ||
| Fwd PE | 9.19 | ||
| P/S | 1.35 | ||
| P/FCF | 8.05 | ||
| P/OCF | 6.98 | ||
| P/B | 2.21 | ||
| P/tB | 4.88 | ||
| EV/EBITDA | 5.9 |
EPS(TTM)4.53
EY10.64%
EPS(NY)4.63
Fwd EY10.88%
FCF(TTM)5.29
FCFY12.42%
OCF(TTM)6.1
OCFY14.32%
SpS31.53
BVpS19.25
TBVpS8.73
PEG (NY)4.2
PEG (5Y)1.7
Graham Number44.299 (4%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.89 |
F-Score8
WACC7.57%
ROIC/WACC2.02
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 Y2.24%
EPS Next 2Y5.7%
EPS Next 3Y7.37%
EPS Next 5Y12.78%
Revenue 1Y (TTM)4.32%
Revenue growth 3Y6.43%
Revenue growth 5Y9.11%
Sales Q2Q%3.71%
Revenue Next Year2.37%
Revenue Next 2Y3.3%
Revenue Next 3Y3.84%
Revenue Next 5Y6.93%
EBIT growth 1Y10.98%
EBIT growth 3Y16.51%
EBIT growth 5Y13.29%
EBIT Next Year4.81%
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 9.4 and the Price/Book (PB) ratio is 2.21.
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 2.24% in the next year.