PayPal Holdings (PYPL) Fair Value & Analysis
Financial Services · US · Market cap $36.6B
PayPal Holdings
PYPL · US
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 6 days ago
Share price +2.4% over the past month.
Price vs Fair Value (12 months)
12‑month range $36.19 – $72.28 · fair‑value band $57.82 – $149.13 · the $42.38 price screens below the $77.12 fair value. As of Jun 26, 2026.
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PayPal Holdings (PYPL) currently trades at $42.38, while our model-based Fair Value estimate is $77.12 — implying the stock looks roughly 82.0% undervalued today. We read business quality at 58/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, PayPal Holdings generated revenue of $33.7B at a net margin of 15.0%. Revenue grew 7.2% year over year. It earns a return on equity of 25.1%. Net debt stands at $1.9B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PayPal Holdings reported revenue of $33.2B in FY2025 versus $25.4B in FY2021, a compound +6.9%/yr. Reported net income was $5.2B in FY2025, compounding +5.8%/yr from FY2021.
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External third-party headlines (Yahoo Finance, Reuters and others) — not an editorial selection, not financial advice.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.