Paypal CDR CAD Hedged (PYPL.CA) Fundamental Analysis & Valuation

TSX:PYPL

Current stock price

3.26 CAD
+0.03 (+1.09%)
Last:

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

7

1. PYPL.CA Profitability Analysis

1.1 Basic Checks

  • PYPL had positive earnings in the past year.
  • In the past year PYPL had a positive cash flow from operations.
  • In the past 5 years PYPL has always been profitable.
  • PYPL had a positive operating cash flow in each of the past 5 years.
PYPL.CA Yearly Net Income VS EBIT VS OCF VS FCFPYPL.CA 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

  • PYPL has a better Return On Assets (6.53%) than 90.00% of its industry peers.
  • With an excellent Return On Equity value of 25.83%, PYPL belongs to the best of the industry, outperforming 96.67% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 15.26%, PYPL belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for PYPL is significantly above the industry average of 7.42%.
  • The last Return On Invested Capital (15.26%) for PYPL 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%
PYPL.CA Yearly ROA, ROE, ROICPYPL.CA 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

  • PYPL has a Profit Margin (15.78%) which is in line with its industry peers.
  • PYPL's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 19.28%, PYPL is doing worse than 66.67% of the companies in the same industry.
  • PYPL's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 41.48%, PYPL is in line with its industry, outperforming 60.00% of the companies in the same industry.
  • PYPL'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%
PYPL.CA Yearly Profit, Operating, Gross MarginsPYPL.CA 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

7

2. PYPL.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PYPL is creating value.
  • The number of shares outstanding for PYPL has been reduced compared to 1 year ago.
  • The number of shares outstanding for PYPL has been reduced compared to 5 years ago.
  • PYPL has a worse debt/assets ratio than last year.
PYPL.CA Yearly Shares OutstandingPYPL.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
PYPL.CA Yearly Total Debt VS Total AssetsPYPL.CA 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

  • PYPL has an Altman-Z score of 1.47. This is a bad value and indicates that PYPL is not financially healthy and even has some risk of bankruptcy.
  • PYPL's Altman-Z score of 1.47 is in line compared to the rest of the industry. PYPL outperforms 43.33% of its industry peers.
  • PYPL has a debt to FCF ratio of 2.05. This is a good value and a sign of high solvency as PYPL would need 2.05 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 2.05, PYPL belongs to the best of the industry, outperforming 86.67% of the companies in the same industry.
  • PYPL has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.49, PYPL is in the better half of the industry, outperforming 63.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.05
Altman-Z 1.47
ROIC/WACC2.7
WACC5.65%
PYPL.CA Yearly LT Debt VS Equity VS FCFPYPL.CA 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 PYPL should not have too much problems paying its short term obligations.
  • The Current ratio of PYPL (1.29) is better than 83.33% of its industry peers.
  • PYPL has a Quick Ratio of 1.29. This is a normal value and indicates that PYPL is financially healthy and should not expect problems in meeting its short term obligations.
  • PYPL's Quick ratio of 1.29 is amongst the best of the industry. PYPL outperforms 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29
PYPL.CA Yearly Current Assets VS Current LiabilitesPYPL.CA 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. PYPL.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.43% over the past year.
  • PYPL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.53% yearly.
  • PYPL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.32%.
  • The Revenue has been growing by 9.11% on average over the past years. This is quite good.
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 10.26% on average over the next years. This is quite good.
  • PYPL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.93% yearly.
EPS Next Y2.2%
EPS Next 2Y5.68%
EPS Next 3Y7.36%
EPS Next 5Y10.26%
Revenue Next Year2.41%
Revenue Next 2Y3.33%
Revenue Next 3Y3.93%
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.
PYPL.CA Yearly Revenue VS EstimatesPYPL.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B 40B 50B
PYPL.CA Yearly EPS VS EstimatesPYPL.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6

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Find the best growth stocksShow best growing peers

9

4. PYPL.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.44, the valuation of PYPL can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of PYPL indicates a rather cheap valuation: PYPL is cheaper than 100.00% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. PYPL is valued rather cheaply when compared to this.
  • PYPL is valuated cheaply with a Price/Forward Earnings ratio of 0.44.
  • Based on the Price/Forward Earnings ratio, PYPL is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.51, PYPL is valued rather cheaply.
Industry RankSector Rank
PE 0.44
Fwd PE 0.44
PYPL.CA Price Earnings VS Forward Price EarningsPYPL.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • 100.00% of the companies in the same industry are more expensive than PYPL, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, PYPL is valued cheaply inside the industry as 96.67% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.39
EV/EBITDA 0.11
PYPL.CA Per share dataPYPL.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of PYPL may justify a higher PE ratio.
PEG (NY)0.2
PEG (5Y)0.08
EPS Next 2Y5.68%
EPS Next 3Y7.36%

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

2

5. PYPL.CA Dividend Analysis

5.1 Amount

  • PYPL has a Yearly Dividend Yield of 1.27%. Purely for dividend investing, there may be better candidates out there.
  • The stock price of PYPL dropped by -25.06% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • With a Dividend Yield of 1.27, PYPL pays less dividend than the industry average, which is at 5.62. 86.67% of the companies listed in the same industry pay a better dividend than PYPL!
  • PYPL's Dividend Yield is slightly below the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 1.27%

5.2 History

  • PYPL does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • PYPL pays out 2.48% of its income as dividend. This is a sustainable payout ratio.
DP2.48%
EPS Next 2Y5.68%
EPS Next 3Y7.36%
PYPL.CA Yearly Income VS Free CF VS DividendPYPL.CA 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
PYPL.CA Dividend Payout.PYPL.CA Dividend Payout, showing the Payout Ratio.PYPL.CA Dividend Payout.PayoutRetained Earnings

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PYPL.CA Fundamentals: All Metrics, Ratios and Statistics

Paypal CDR CAD Hedged

TSX:PYPL (3/26/2026, 7:00:00 PM)

3.26

+0.03 (+1.09%)

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 Cap3.00B
Revenue(TTM)33.17B
Net Income(TTM)5.23B
Analysts65.88
Price Target3.75 (15.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.27%
Yearly Dividend0.19
Dividend Growth(5Y)N/A
DP2.48%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)-30.32%
PT rev (3m)N/A
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-7.71%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.44
Fwd PE 0.44
P/S 0.07
P/FCF 0.39
P/OCF 0.34
P/B 0.11
P/tB 0.24
EV/EBITDA 0.11
EPS(TTM)7.33
EY224.85%
EPS(NY)7.49
Fwd EY229.87%
FCF(TTM)8.36
FCFY256.47%
OCF(TTM)9.64
OCFY295.75%
SpS49.85
BVpS30.44
TBVpS13.8
PEG (NY)0.2
PEG (5Y)0.08
Graham Number70.85
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 1.47
F-Score8
WACC5.65%
ROIC/WACC2.7
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 5Y10.26%
Revenue 1Y (TTM)4.32%
Revenue growth 3Y6.43%
Revenue growth 5Y9.11%
Sales Q2Q%3.71%
Revenue Next Year2.41%
Revenue Next 2Y3.33%
Revenue Next 3Y3.93%
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 5Y6.25%
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 CDR CAD Hedged / PYPL.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for Paypal CDR CAD Hedged?

ChartMill assigns a fundamental rating of 7 / 10 to PYPL.CA.


What is the valuation status of Paypal CDR CAD Hedged (PYPL.CA) stock?

ChartMill assigns a valuation rating of 9 / 10 to Paypal CDR CAD Hedged (PYPL.CA). This can be considered as Undervalued.


Can you provide the profitability details for Paypal CDR CAD Hedged?

Paypal CDR CAD Hedged (PYPL.CA) has a profitability rating of 7 / 10.


What is the financial health of Paypal CDR CAD Hedged (PYPL.CA) stock?

The financial health rating of Paypal CDR CAD Hedged (PYPL.CA) is 7 / 10.


Can you provide the expected EPS growth for PYPL stock?

The Earnings per Share (EPS) of Paypal CDR CAD Hedged (PYPL.CA) is expected to grow by 2.2% in the next year.