PayPal Holdings (PYPL) Fair Value & Analysis
Financial Services · US · Market cap $41.8B
PayPal Holdings
PYPL · US
Fair value as of: Jul 16, 2026
From 26 valuation models · updated 13 days ago
Share price +31.5% over the past month.
What matters now
- Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range ($57.84 to $149.24) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (12 months)
12‑month range $38.83 – $77.55 · fair‑value band $57.84 – $149.24 · the $58.35 price screens below the $77.12 fair value. As of Jul 16, 2026.
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PayPal Holdings (PYPL) currently trades at $58.35, while our model-based Fair Value estimate is $77.12, implying the stock looks roughly 32.2% undervalued today. We read business quality at 61/100 (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 Jul 16, 2026
Our scenario range runs from $57.84 (bear case) to $149.24 (bull case); at $58.35, the current price sits within that range. The share trades about 26% below its 52-week high and 53% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside, at 32%, PYPL screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide.
Full company description
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.
Company description, as reported by the company or data provider.
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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Recent news
- Is Takeout Target PayPal a Buy?
- Goldman Sachs Issues Stark PayPal Stock Warning
- Sezzle's Everyday Money Expansion Could Reshape Its Growth Story Ahead
- How Sezzle's AI and Open-Loop Strategy Could Power Its Next Phase
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 42/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated M4I | €424.30 | €242.93 | -43% |
| American Express Company AXPB34 | R$173.50 | R$21.95 | -87% |
| Capital One Financial Corporation COF | 3,151 MXN | 2,512 MXN | -20% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,503 | ₹1,340 | -11% |
| Tata Capital Limited TATACAP | ₹321.30 | ₹125.28 | -61% |
| Power Finance Corporation PFC | ₹431.75 | ₹467.63 | +8% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,026 | ₹3,464 | +14% |
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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.
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