NAS10030,482+2.83%S&P7,765+1.49%GOLD$4,362−0.51%BTC$85,955−0.75%VIX14.66−1.41%live tape · as of 13:00 UTC
The Screen · Technology · Software - Infrastructure
PayPay Corp ADR
PAYP · NASDAQ · USD · Market cap $12.0B
PayPay Corporation, a financial technology company, provides a digital finance platform with services that inlclude easy-to-use payments and other financial services in Japan.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical passes the values gate
Price17.72 USD
Fair value21.49
Ethical score70.0/100
Our investment reviews on this name
2026-07-30Read Markdown15.63+13.4% to today
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
11.10%
Below 33%
Interest-bearing debt is just 11.1% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
26.95%
Below 33%
Cash held in interest-bearing accounts and securities is 27.0% of assets, under the one-third limit.
Pass
Receivables
8.75%
Below 49%
Money owed to the company is 8.8% of assets, under the 49% limit.
Pass
Revenue purity
0.00%
Below 5%
Only 0.0% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-21 screen. The gold marker is the market price at the same screen. A 21.3% margin of safety to the base estimate.
Third-party analyst targets: 13 covering, consensus Buy. The average target sits +32% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-21 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Japan's Everyday Payments Still Face Friction
Every time a commuter in Tokyo settles a train fare or a freelancer gets paid for a shift, the cash moves across local networks that global card schemes still struggle to serve cleanly. PayPay sits right in that flow with 29% revenue growth, 30% profit margins and 36% ROE. Yet the opportunity rating sits at none, so we pass despite our own fair-value estimate showing a 40% margin of safety.
The business runs a narrow moat in payments and financial services inside Japan, trades at 20.7 times forward earnings and carries a buy consensus from thirteen analysts with a 24 dollar median target. Ethical checks clear without issue.
Currency swings between yen and dollar, competition from bigger domestic banks and the limits of any single-country franchise keep the risk real even when the numbers look tidy. Analysis, not advice.
The risks · The things to watch: its business and earnings are exposed to Japan and to currency swings; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
PAYP trades on NASDAQ (the company is based in Japan). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-30Markdown$14.89-4.7%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 4.7% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. The street (12 analysts) rates it strong buy, with a mean price target of $25.
2026-07-30Markdown$15.63Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. The street (12 analysts) rates it strong buy, with a mean price target of $25.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.