PayPal Holdings, Inc. PYPL
Composite 63/100; the shares have moved about 43% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Income ranks 45/100 — a slight mark against it.
Valuation ranks 76/100 — a strong point in its favour. Quality ranks 69/100 — a moderate point in its favour. Balance-sheet strength ranks 62/100 — a slight point in its favour.
Income ranks 45/100 — a slight mark against it.
What the company does PayPal Holdings operates a two-sided digital payments network connecting consumers and merchants globally. Its platform supports online and in-person transactions, fund transfers, and various funding sources including bank accounts, cards, and cryptocurrencies.
Key financials PayPal reports strong profitability with ROE 24.5%, ROA 4.6%, and net margin 14.4%. Revenue growth is 4.3% while EPS growth is 35.4%. Operating margin stands at 17.0% and gross margin at 40.5%. The company maintains a solid liquidity position with a current ratio of 1.29 and low net debt/EBITDA of 0.46.
Stock health The stock shows mixed momentum: +28.73% over 3 months, +17.33% over 6 months, but -20.37% over 12 months. RSI(14) is 41.50, indicating neutral momentum. The Sideravia score is 63.2, with valuation at the 76.3 percentile and quality at 68.7.
Price vs fair value The stock trades at a discount of 10.10% versus the analyst mean target of 60.20. - Job cuts in India and Ireland aim to simplify operations (PayPal cuts jobs in India and Ireland as it aims to simplify global operations) - Recent $50B takeover speculation boosted sentiment (A $50 Billion Bid Just Put PayPal Back in the Takeover Spotlight) - Cost-reduction efforts continue with 600 roles eliminated in India (PayPal reduces India headcount by around 600 in ongoing cost-reduction drive) - Analyst price targets and sector sentiment remain supportive (Affirm Rallies 6% on $104 Price Target From BofA, Sezzle Climbs 4%, PayPal Rises 3%)
Looking forward Forward P/E is 11.78 and EV/EBITDA is 7.40, suggesting attractive valuation metrics. The company’s focus on operational efficiency and strategic initiatives may support long-term growth, though macro and competitive pressures remain risks.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.