PYPL
PayPal
$42.34
▼ 0.4%Updated Today 7:15 PM ET
▼ Down 38.0% over the last 12 months
Market Cap
$37.50B
P/E
7.41x
Forward P/E (est.)
6.19x
ROE
25.1%
Revenue Growth
5.8%
EPS Growth
19.8%
Profit Margin
15.0%
FCF Yield
10.0%
Debt / Equity
0.56x
ROIC
16.0%
Interest Coverage
17.48x
Current Ratio
1.26x
Dividend Yield
1.3%
Implied Growth (rev. DCF)
-5.1%
Rating Score
66/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what PYPL's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. PYPL trades near $42.34, below its 50-day average ($45.86) and 200-day average ($54.87). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 39 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. PYPL's is $1.39 (~3.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month PYPL found buyers near $40.20 (support) and sellers near $45.99 (resistance); its 52-week range is $38.46–$79.50. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.6× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
PayPal (PYPL) is a large-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $37.50B.
In its latest reported year it generated about $33.17B in revenue and $5.23B in net profit.
Our model rates PYPL Favorable (66/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
6.9%
Revenue moved from $25.37B in 2021 to $33.17B in 2025, a 6.9% compound annual growth rate. The most recent year grew a steady 5.8% year over year. Slower, mature growth is common for established businesses.
Gross Margin
40.9%
Operating Margin
18.3%
Net Margin
15.8%
ROE
25.1%
PayPal keeps about 15.0% of each sales dollar as net profit, with a 40.9% gross margin and 18.3% operating margin. Return on equity is 25.1% and return on invested capital about 16.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$10.88B
Net Debt
$3.90B
Net Debt / EBITDA
0.64x
Debt / Equity
0.56x
Leverage: debt-to-equity is 0.6x, and operating profit covers interest about 17.5x, with a current ratio of 1.3x. That is a moderate, manageable debt load for most businesses. It carries roughly $10.88B of total debt against $6.98B of cash.
Operating CF
$6.42B
Free Cash Flow
$5.56B
FCF Margin
16.8%
In the latest year PayPal produced about $6.42B of operating cash flow and $5.56B of free cash flow after capital spending. That is a free-cash-flow yield of about 10.0% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
7.41x
P/S
1.16x
P/B
2.63x
EV / EBITDA
6.03x
PYPL trades at 7.4x trailing earnings (about 6.2x on estimated forward earnings), 1.2x sales, and 2.6x book value. Reverse-engineering today's price implies the market expects roughly -5.1% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How PYPL stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), PYPL ranks #33 of 76 by our overall rating. It trades at a discount versus the sector on earnings (7.4x P/E vs. 15.2x median) with a higher return on equity (25.1% vs. 15.3%) and slower revenue growth (5.8% vs. 9.1%).
P/E vs sector
7.4x
median 15.2x
ROE vs sector
25.1%
median 15.3%
Growth vs sector
5.8%
median 9.1%
Sector rank
#33
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$40.26 – $64.42
vs. $42.34 today · expected CAGR -1% – 9%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $35.16B | $37.27B | $39.51B | $41.88B | $44.39B |
| Net income | $5.63B | $5.96B | $6.32B | $6.70B | $7.10B |
| EPS | $6.38 | $6.76 | $7.17 | $7.60 | $8.05 |
| Share price (low) | $31.89 | $33.80 | $35.83 | $37.98 | $40.26 |
| Share price (high) | $51.02 | $54.08 | $57.33 | $60.77 | $64.42 |
| CAGR (low–high) | -25% / 21% | -11% / 13% | -5% / 11% | -3% / 9% | -1% / 9% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for PYPL:
- High net margins (15.0%) point to pricing power or efficiency.
- Strong return on equity (25.1%) shows capital is put to work well.
- Healthy free-cash-flow yield (~10.0%) funds buybacks and dividends.
- Our model's overall read is Favorable (66/100).
The case against PYPL:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: PayPal is a large-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 7.4x earnings, which our model scores Favorable (66/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.