PAYPAY CORP (PAYP) Fundamental Analysis & Valuation

NASDAQ:PAYP • US70450C1018

Current stock price

20.02 USD
-0.21 (-1.04%)
At close:
20.14 USD
+0.12 (+0.6%)
After Hours:

This PAYP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. PAYP Profitability Analysis

1.1 Basic Checks

  • In the past year PAYP was profitable.
PAYP Yearly Net Income VS EBIT VS OCF VS FCFPAYP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2023 2024 2025 0 100B -100B -200B

1.2 Ratios

  • The Return On Assets of PAYP (0.70%) is worse than 61.62% of its industry peers.
  • PAYP's Return On Equity of 12.73% is fine compared to the rest of the industry. PAYP outperforms 65.66% of its industry peers.
  • With a Return On Invested Capital value of 0.83%, PAYP is not doing good in the industry: 61.62% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.7%
ROE 12.73%
ROIC 0.83%
ROA(3y)-0.01%
ROA(5y)N/A
ROE(3y)-2.48%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
PAYP Yearly ROA, ROE, ROICPAYP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 2025 0 20 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 12.16%, PAYP is in line with its industry, outperforming 58.59% of the companies in the same industry.
  • PAYP has a Operating Margin (11.93%) which is in line with its industry peers.
Industry RankSector Rank
OM 11.93%
PM (TTM) 12.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PAYP Yearly Profit, Operating, Gross MarginsPAYP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2023 2024 2025 0 5 -5 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. PAYP Health Analysis

2.1 Basic Checks

  • PAYP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, PAYP has about the same amount of shares outstanding.
  • Compared to 1 year ago, PAYP has an improved debt to assets ratio.
PAYP Yearly Shares OutstandingPAYP Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 2025 200M 400M 600M
PAYP Yearly Total Debt VS Total AssetsPAYP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 2025 1T 2T 3T 4T

2.2 Solvency

  • A Debt/Equity ratio of 10.53 is on the high side and indicates that PAYP has dependencies on debt financing.
  • The Debt to Equity ratio of PAYP (10.53) is worse than 83.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 10.53
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.21
WACC4%
PAYP Yearly LT Debt VS Equity VS FCFPAYP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 2025 0 100B -100B -200B

2.3 Liquidity

  • PAYP has a Current Ratio of 0.15. This is a bad value and indicates that PAYP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.15, PAYP is doing worse than 71.72% of the companies in the same industry.
  • PAYP has a Quick Ratio of 0.15. This is a bad value and indicates that PAYP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.15, PAYP is not doing good in the industry: 71.72% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
PAYP Yearly Current Assets VS Current LiabilitesPAYP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2025 1T 2T 3T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PAYP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 1179.64% over the past year.
  • PAYP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.78%.
EPS 1Y (TTM)1179.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)17.78%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • PAYP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.80% yearly.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7554.74%
Revenue Next 2Y862.1%
Revenue Next 3Y23.8%
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
PAYP Yearly Revenue VS EstimatesPAYP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 2027 2028 50B 100B 150B 200B 250B

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0

4. PAYP Valuation Analysis

4.1 Price/Earnings Ratio

  • PAYP is valuated quite expensively with a Price/Earnings ratio of 58.88.
  • PAYP's Price/Earnings ratio is a bit more expensive when compared to the industry. PAYP is more expensive than 72.73% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PAYP to the average of the S&P500 Index (27.42), we can say PAYP is valued expensively.
Industry RankSector Rank
PE 58.88
Fwd PE N/A
PAYP Price Earnings VS Forward Price EarningsPAYP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PAYP is valued a bit more expensive than 60.61% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 39.18
PAYP Per share dataPAYP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PAYP Dividend Analysis

5.1 Amount

  • PAYP does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYP Fundamentals: All Metrics, Ratios and Statistics

PAYPAY CORP

NASDAQ:PAYP (4/24/2026, 8:01:22 PM)

After market: 20.14 +0.12 (+0.6%)

20.02

-0.21 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)05-07
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner Change38.01%
Market Cap13.39B
Revenue(TTM)297.57B
Net Income(TTM)36.17B
AnalystsN/A
Price Target28.56 (42.66%)
Short Float %N/A
Short Ratio0.91
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 58.88
Fwd PE N/A
P/S 7.17
P/FCF N/A
P/OCF N/A
P/B 7.51
P/tB 10.56
EV/EBITDA 39.18
EPS(TTM)0.34
EY1.7%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.79
BVpS2.66
TBVpS1.9
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.51513 (-77.45%)
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 12.73%
ROCE 8.79%
ROIC 0.83%
ROICexc 0.97%
ROICexgc 1.02%
OM 11.93%
PM (TTM) 12.16%
GM N/A
FCFM N/A
ROA(3y)-0.01%
ROA(5y)N/A
ROE(3y)-2.48%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 10.53
Debt/FCF N/A
Debt/EBITDA 52.57
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.15
Quick Ratio 0.15
Altman-Z N/A
F-ScoreN/A
WACC4%
ROIC/WACC0.21
Cap/Depr(3y)141.58%
Cap/Depr(5y)N/A
Cap/Sales(3y)10.36%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1179.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.78%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year7554.74%
Revenue Next 2Y862.1%
Revenue Next 3Y23.8%
Revenue Next 5YN/A
EBIT growth 1Y322718%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y386.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y211.85%
OCF growth 3YN/A
OCF growth 5YN/A

PAYPAY CORP / PAYP Fundamental Analysis FAQ

What is the fundamental rating for PAYP stock?

ChartMill assigns a fundamental rating of 1 / 10 to PAYP.


Can you provide the valuation status for PAYPAY CORP?

ChartMill assigns a valuation rating of 0 / 10 to PAYPAY CORP (PAYP). This can be considered as Overvalued.


Can you provide the profitability details for PAYPAY CORP?

PAYPAY CORP (PAYP) has a profitability rating of 1 / 10.


Can you provide the PE and PB ratios for PAYP stock?

The Price/Earnings (PE) ratio for PAYPAY CORP (PAYP) is 58.88 and the Price/Book (PB) ratio is 7.51.


What is the financial health of PAYPAY CORP (PAYP) stock?

The financial health rating of PAYPAY CORP (PAYP) is 1 / 10.