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 57 industry peers in the Financial Services industry. While 1PYPL has a great profitability rating, there are some minor concerns on its financial health. 1PYPL is valued quite cheap, while showing a decent growth score. This is a good combination! 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.
  • In the past 5 years 1PYPL has always been profitable.
  • In the past 5 years 1PYPL always reported a positive cash flow from operatings.
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

  • The Return On Assets of 1PYPL (6.53%) is better than 84.75% of its industry peers.
  • 1PYPL has a Return On Equity of 25.83%. This is amongst the best in the industry. 1PYPL outperforms 88.14% of its industry peers.
  • 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 8.99%.
  • 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

  • 1PYPL has a Profit Margin (15.78%) which is in line with its industry peers.
  • 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.
  • 1PYPL has a Gross Margin of 41.48%. This is comparable to the rest of the industry: 1PYPL outperforms 47.46% of its industry peers.
  • 1PYPL's Gross Margin has declined in the last couple of years.
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

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1PYPL is creating value.
  • 1PYPL has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 1PYPL has less shares outstanding
  • Compared to 1 year ago, 1PYPL has a worse 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 1.80. This is a bad value and indicates that 1PYPL is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of 1PYPL (1.80) is better than 62.71% of its industry peers.
  • The Debt to FCF ratio of 1PYPL is 2.05, which is a good value as it means it would take 1PYPL, 2.05 years of fcf income to pay off all of its debts.
  • 1PYPL has a better Debt to FCF ratio (2.05) 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 2.05
Altman-Z 1.8
ROIC/WACC1.92
WACC7.96%
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.
  • 1PYPL's Current ratio of 1.29 is in line compared to the rest of the industry. 1PYPL outperforms 52.54% 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.
  • The Quick ratio of 1PYPL (1.29) is comparable to the rest of the 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.
  • Measured over the past 5 years, 1PYPL shows a small growth in Earnings Per Share. The EPS has been growing by 5.53% on average per year.
  • Looking at the last year, 1PYPL shows a small growth in Revenue. The Revenue has grown by 4.32% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 12.78% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 6.93% on average over the next years.
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 5Y6.93%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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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9

4. Valuation

4.1 Price/Earnings Ratio

  • 1PYPL is valuated cheaply with a Price/Earnings ratio of 7.33.
  • Based on the Price/Earnings ratio, 1PYPL is valued cheaper than 83.05% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of 1PYPL to the average of the S&P500 Index (26.68), we can say 1PYPL is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.62 indicates a rather cheap valuation of 1PYPL.
  • 1PYPL's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1PYPL is cheaper than 83.05% of the companies in the same industry.
  • 1PYPL is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.33
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1PYPL indicates a rather cheap valuation: 1PYPL is cheaper than 83.05% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1PYPL is valued cheaply inside the industry as 83.05% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.43
EV/EBITDA 4.67
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

  • 1PYPL's 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.
  • 1PYPL's earnings are expected to grow with 14.21% in the coming years. This may justify a more expensive valuation.
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 1.43%. Purely for dividend investing, there may be better candidates out there.
  • In the last 3 months the price of 1PYPL has falen by -40.96%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.27, 1PYPL has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.84, 1PYPL is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.43%

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

More info and screens

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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 Cap30.15B
Revenue(TTM)33.17B
Net Income(TTM)5.23B
Analysts67.45
Price Target63.49 (93.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.43%
Yearly Dividend0.11
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)-6.82%
EPS NQ rev (3m)-8.02%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)-1.3%
Revenue NQ rev (1m)-2.37%
Revenue NQ rev (3m)-2.78%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)-0.4%
Valuation
Industry RankSector Rank
PE 7.33
Fwd PE 6.62
P/S 1.08
P/FCF 6.43
P/OCF 5.57
P/B 1.77
P/tB 3.89
EV/EBITDA 4.67
EPS(TTM)4.47
EY13.65%
EPS(NY)4.95
Fwd EY15.11%
FCF(TTM)5.09
FCFY15.56%
OCF(TTM)5.87
OCFY17.94%
SpS30.37
BVpS18.55
TBVpS8.41
PEG (NY)0.68
PEG (5Y)1.33
Graham Number43.19
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 1.8
F-Score8
WACC7.96%
ROIC/WACC1.92
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 5Y6.93%
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 9 / 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 7.33 and the Price/Book (PB) ratio is 1.77.


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%.