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

BIT:1PYPL • US70450Y1038

Current stock price

39.045 EUR
-0.06 (-0.17%)
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

  • 1PYPL had positive earnings in the past year.
  • 1PYPL had a positive operating cash flow in the past year.
  • 1PYPL had positive earnings in each of the past 5 years.
  • 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

  • 1PYPL's Return On Assets of 6.53% is amongst the best of the industry. 1PYPL outperforms 85.96% of its industry peers.
  • With an excellent Return On Equity value of 25.83%, 1PYPL belongs to the best 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.
  • 1PYPL had an Average Return On Invested Capital over the past 3 years of 13.68%. This 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 has a Profit Margin (15.78%) which is comparable to the rest of the industry.
  • 1PYPL's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 19.28%, 1PYPL is doing good in the industry, outperforming 63.16% of the companies in the same industry.
  • 1PYPL's Operating Margin has improved in the last couple of years.
  • 1PYPL has a Gross Margin (41.48%) which is comparable to the rest of the 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

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1PYPL 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.
  • 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 1.86. This is not the best score and indicates that 1PYPL is in the grey zone with still only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 1.86, 1PYPL is in the better half of the industry, outperforming 63.16% 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.
  • The Debt to FCF ratio of 1PYPL (2.05) is better 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 RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.05
Altman-Z 1.86
ROIC/WACC2.02
WACC7.54%
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

  • A Current Ratio of 1.29 indicates that 1PYPL should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.29, 1PYPL perfoms like the industry average, outperforming 50.88% of the companies in the same industry.
  • A Quick Ratio of 1.29 indicates that 1PYPL should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.29, 1PYPL perfoms like the industry average, outperforming 57.89% of the companies in the same 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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5

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.
  • Looking at the last year, 1PYPL shows a small growth in Revenue. The Revenue has grown by 4.32% in the last year.
  • Measured over the past years, 1PYPL shows a quite strong growth in Revenue. The Revenue has been growing by 9.11% on average per year.
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.
  • Based on estimates for the next years, 1PYPL will show a small growth in Revenue. The Revenue will grow by 6.93% on average per year.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • 1PYPL is valuated reasonably with a Price/Earnings ratio of 8.49.
  • 1PYPL's Price/Earnings ratio is a bit cheaper when compared to the industry. 1PYPL is cheaper than 77.19% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, 1PYPL is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.31, the valuation of 1PYPL can be described as reasonable.
  • 70.18% of the companies in the same industry are more expensive than 1PYPL, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of 1PYPL to the average of the S&P500 Index (23.05), we can say 1PYPL is valued rather cheaply.
Industry RankSector Rank
PE 8.49
Fwd PE 8.31
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 somewhat cheap valuation: 1PYPL is cheaper than 77.19% of the companies listed in the same industry.
  • 1PYPL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1PYPL is cheaper than 75.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.45
EV/EBITDA 5.44
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 an expensive valuation of the company.
  • 1PYPL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)3.85
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

  • 1PYPL has a Yearly Dividend Yield of 1.28%.
  • In the last 3 months the price of 1PYPL has falen by -21.57%. 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 2.60, 1PYPL has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.89, 1PYPL is paying slightly less dividend.
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 (4/2/2026, 7:00:00 PM)

39.045

-0.06 (-0.17%)

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 Cap35.95B
Revenue(TTM)33.17B
Net Income(TTM)5.23B
Analysts66.4
Price Target43.88 (12.38%)
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 8.49
Fwd PE 8.31
P/S 1.25
P/FCF 7.45
P/OCF 6.46
P/B 2.05
P/tB 4.51
EV/EBITDA 5.44
EPS(TTM)4.6
EY11.78%
EPS(NY)4.7
Fwd EY12.04%
FCF(TTM)5.24
FCFY13.43%
OCF(TTM)6.05
OCFY15.49%
SpS31.26
BVpS19.09
TBVpS8.66
PEG (NY)3.85
PEG (5Y)1.54
Graham Number44.45
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
WACC7.54%
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 Y2.2%
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 8.49 and the Price/Book (PB) ratio is 2.05.


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.