PYPL

PayPal Holdings, Inc.
Financial ServicesCredit ServicesNASDAQ
$44.86
+$0.27 (0.59%)today
Conviction
0/ 10
Fair Value$52.95
Upside+18.03%
Signal0
Market Cap$41.8B
52W Range$38.46–$79.50
Next EarningsMay 5

Price History

FAIR VALUE ANALYSISMonte Carlo · 5,000 runs · 99% valid
Fair Value$82.34
Current Price$44.01
Upside / Down+87.1%
P(Undervalued)100.0%
P(20%+ Up)98.8%
P(15%+ Down)0.0%

Fair Value Distribution — percentile bands

100.0% of simulations place fair value above current price

WHAT IS PRICED IN

Revenue-Based Reverse DCF

-6.8%/yr

±2.9% · revenue growth to justify current price

FCF-Based Reverse DCF

-7.9%/yr

±2.2% · FCF growth to justify current price

THE GAP

Market pricing margin expansion or capex normalization

KEY VALUE DRIVERS

Spearman correlation — what moves this valuation most

Quick Take

PayPal Holdings, Inc.

Trailing P/E8.3x
Forward P/E7.7x
P/S1.3x
EPS (TTM)$5.41
Analyst Target$52.95
Analyst Upside18.0%

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Bull Case

No analysis yet

Bear Case

No analysis yet

Research Feed

sec_10kMar 2
Conviction: unchanged
PAYPAL FY2025 10-K: Growth Deceleration Amid Competitive Pressure, Crypto Tailwind

HOLD target | conviction 6/10. TPV deceleration + transaction decline offset by crypto upside. Fairly valued; lacks compelling catalysts for significant near-term upside. Regulatory moats defensible ...