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

TSX:PYPL

Current stock price

3.63 CAD
+0.05 (+1.4%)
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.
  • Each year in the past 5 years PYPL has been profitable.
  • Each year in the past 5 years PYPL had a positive operating cash flow.
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

  • With an excellent Return On Assets value of 6.53%, PYPL belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
  • With an excellent Return On Equity value of 25.83%, PYPL belongs to the best of the industry, outperforming 96.43% of the companies in the same industry.
  • PYPL's Return On Invested Capital of 15.26% is amongst the best of the industry. PYPL outperforms 92.86% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PYPL is significantly above the industry average of 7.43%.
  • 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.
  • In the last couple of years the Profit Margin of PYPL has declined.
  • Looking at the Operating Margin, with a value of 19.28%, PYPL is doing worse than 64.29% of the companies in the same industry.
  • PYPL's Operating Margin has improved in the last couple of years.
  • PYPL has a Gross Margin of 41.48%. This is comparable to the rest of the industry: PYPL outperforms 57.14% of its industry peers.
  • In the last couple of years the Gross Margin of PYPL 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%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. PYPL.CA Health Analysis

2.1 Basic Checks

  • PYPL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for PYPL has been reduced compared to 1 year ago.
  • Compared to 5 years ago, PYPL has less shares outstanding
  • Compared to 1 year ago, PYPL has a worse debt to assets ratio.
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 on the low side compared to the rest of the industry. PYPL is outperformed by 60.71% of its industry peers.
  • The Debt to FCF ratio of PYPL is 2.05, which is a good value as it means it would take PYPL, 2.05 years of fcf income to pay off all of its debts.
  • PYPL has a Debt to FCF ratio of 2.05. This is in the better half of the industry: PYPL outperforms 75.00% of its industry peers.
  • A Debt/Equity ratio of 0.49 indicates that PYPL is not too dependend on debt financing.
  • PYPL has a better Debt to Equity ratio (0.49) than 60.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.05
Altman-Z 1.47
ROIC/WACC2.65
WACC5.76%
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.
  • PYPL has a Current ratio of 1.29. This is amongst the best in the industry. PYPL outperforms 82.14% 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 82.14% 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

More info and screens

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.
  • The Earnings Per Share has been growing slightly by 5.53% on average over the past years.
  • The Revenue has been growing slightly by 4.32% in the past year.
  • Measured over the past years, PYPL 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, PYPL will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.26% on average per year.
  • Based on estimates for the next years, PYPL will show a small growth in Revenue. The Revenue will grow by 6.93% on average per year.
EPS Next Y2.24%
EPS Next 2Y5.7%
EPS Next 3Y7.37%
EPS Next 5Y10.26%
Revenue Next Year2.37%
Revenue Next 2Y3.3%
Revenue Next 3Y3.84%
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

9

4. PYPL.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 0.50 indicates a rather cheap valuation of PYPL.
  • Based on the Price/Earnings ratio, PYPL is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of PYPL to the average of the S&P500 Index (27.42), we can say PYPL is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 0.49, the valuation of PYPL can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PYPL is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • PYPL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 0.5
Fwd PE 0.49
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 80 100

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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PYPL indicates a rather cheap valuation: PYPL is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.43
EV/EBITDA 0.13
PYPL.CA Per share dataPYPL.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • PYPL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PYPL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.22
PEG (5Y)0.09
EPS Next 2Y5.7%
EPS Next 3Y7.37%

More info and screens

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 1.12%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 5.50, PYPL's dividend is way lower than its industry peers. On top of this 85.71% of the companies listed in the same industry pay a better dividend than PYPL!
  • Compared to the average S&P500 Dividend Yield of 1.81, PYPL is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.12%

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 Years0
Div Non Decr Years0

5.3 Sustainability

  • 2.48% of the earnings are spent on dividend by PYPL. This is a low number and sustainable payout ratio.
DP2.48%
EPS Next 2Y5.7%
EPS Next 3Y7.37%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

PYPL.CA Fundamentals: All Metrics, Ratios and Statistics

Paypal CDR CAD Hedged

TSX:PYPL (4/24/2026, 7:00:00 PM)

3.63

+0.05 (+1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)05-05
Inst Owners82.21%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap3.27B
Revenue(TTM)33.17B
Net Income(TTM)5.23B
Analysts66.4
Price Target3.69 (1.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.12%
Yearly Dividend0.19
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)-1.53%
PT rev (3m)-34%
EPS NQ rev (1m)0.09%
EPS NQ rev (3m)-8.43%
EPS NY rev (1m)0.04%
EPS NY rev (3m)-8.91%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-2.95%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-3.22%
Valuation
Industry RankSector Rank
PE 0.5
Fwd PE 0.49
P/S 0.07
P/FCF 0.43
P/OCF 0.37
P/B 0.12
P/tB 0.26
EV/EBITDA 0.13
EPS(TTM)7.25
EY199.72%
EPS(NY)7.41
Fwd EY204.06%
FCF(TTM)8.45
FCFY232.9%
OCF(TTM)9.75
OCFY268.57%
SpS50.4
BVpS30.78
TBVpS13.95
PEG (NY)0.22
PEG (5Y)0.09
Graham Number70.8572 (1851.99%)
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
WACC5.76%
ROIC/WACC2.65
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 Y2.24%
EPS Next 2Y5.7%
EPS Next 3Y7.37%
EPS Next 5Y10.26%
Revenue 1Y (TTM)4.32%
Revenue growth 3Y6.43%
Revenue growth 5Y9.11%
Sales Q2Q%3.71%
Revenue Next Year2.37%
Revenue Next 2Y3.3%
Revenue Next 3Y3.84%
Revenue Next 5Y6.93%
EBIT growth 1Y10.98%
EBIT growth 3Y16.51%
EBIT growth 5Y13.29%
EBIT Next Year4.81%
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 6 / 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.


How profitable is Paypal CDR CAD Hedged (PYPL.CA) stock?

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


What are the PE and PB ratios of Paypal CDR CAD Hedged (PYPL.CA) stock?

The Price/Earnings (PE) ratio for Paypal CDR CAD Hedged (PYPL.CA) is 0.5 and the Price/Book (PB) ratio is 0.12.


How sustainable is the dividend of Paypal CDR CAD Hedged (PYPL.CA) stock?

The dividend rating of Paypal CDR CAD Hedged (PYPL.CA) is 2 / 10 and the dividend payout ratio is 2.48%.