PYPL
PayPal
Financials · Transaction & Payment Processing Services · US
$41.29
Data:
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$40.0B
Total market value of the company
Trailing P/E
8.50
Very cheap relative to earnings
Forward P/E
7.80
Based on estimated future earnings — lower means cheaper
Rev Growth
+7.2%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
ROE
25.1%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$52.53
+27% from current price — median analyst estimate
Recommendation
HOLD
Consensus view from 34 analysts covering this stock
About PayPal

PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.

https://www.paypal.com

Country: United States Employees: 23,800 Industry: Credit Services
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
Fair Value Est.
$116.00
What our model estimates this business is worth per share
Margin of Safety
64.4%
Deep discount to fair value — significant undervaluation
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
Percentile
80.6th
Ranks in the top 19% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
95.0
Quality Score
57.0
Combined
48.6

Trading at $45 against a fair value of $116, a 61% discount. Moderate competitive position. Fails ethical screen (Business activity screen). Ranks better than 81% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime
MARKDOWN
Price trending down — defensive positioning
Sharpe Ratio
-0.249
Returns do not compensate for the risk — negative edge
Kelly Fraction
-0.0235
No positive edge detected — the data suggests staying out
Calmar Ratio
-0.272
Drawdown risk outweighs the returns — higher risk profile
Annual Return
-15.6%
Historical annualised return based on price data
Max Drawdown
-57.3%
Largest peak-to-trough decline — the worst it has been
HMM State
BULL
Statistical model sees bullish momentum
Days in State
14
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

Beta
1.40
Moves slightly more than the broader market
52W High
$79.50
48% below the year high
52W Low
$38.46
7% above the year low
Avg Volume
18,991,303
Average daily shares traded — higher means easier to buy and sell
Short Ratio
3.3
Days it would take all short sellers to cover — higher means more crowded
Short % Float
5.4%
Moderate short interest
Div Yield
123.0%
Annual dividend as a percentage of the share price
EPS (TTM)
$5.33
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity
0.58
Moderate leverage — manageable
Current Ratio
1.26
Adequate but worth monitoring
Quick Ratio
0.22
Like current ratio but excludes inventory — stricter test
Gross Margin
40.9%
Revenue left after cost of goods — higher means pricing power
Operating Margin
18.0%
Profit from core operations before interest and tax
Free Cash Flow
$4.1B
Positive — the business generates more cash than it spends
Revenue (TTM)
$33.7B
Total revenue over the last 12 months
Net Income
$5.1B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
34
Target High
$147.39
Target Median
$52.53
Target Low
$32.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

Date Insider Title Type Shares Value
2026-05-19 KEREERE SUZAN Officer 4,162 $183,944
2026-05-19 MESSEMER DEBORAH M Director 6,275 —
2026-05-19 DI SIBIO CARMINE Director 6,275 —
2026-05-19 CHIK JOY Director 6,275 —
2026-05-19 HENRY ALYSSA Director 6,275 —
2026-05-19 STANLEY DEIRDRE Director 6,275 —
2026-05-15 KEREERE SUZAN Officer 8,504 —
2026-04-29 NATALI CHRIS Officer 1,337 $66,128
2026-04-29 KELLER FRANK Officer 10,732 $536,205
2026-04-15 SCOTTI DIEGO Officer 8,589 —
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated:

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