PayPal Holdings, Inc. PYPL
Financial Services · Credit Services · United States · S&P 500
Based on the available data, PayPal Holdings, Inc. gets an algorithmic score of 64/100. It trades at 53.89 $, with a bullish technical trend (RSI 47.5) and 44.2% annual volatility.
Updated: 2026-09-30
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Strengths
- High ROE (24.5%): generates strong profit on equity.
- Attractive free-cash-flow yield (12.0%).
- Low valuation (P/E 9.3).
Weaknesses
- —
Fundamentals
| P/E | 10.19 |
| Forward P/E | 9.32 |
| PEG | 0.93 |
| P/B | 2.34 |
| EV/EBITDA | 7.60 |
| P/S | 1.36 |
| ROE % | 24.50 |
| ROA % | 4.62 |
| Gross margin % | 40.48 |
| Operating margin % | 16.97 |
| Net margin % | 14.36 |
| Revenue growth % (y/y) | 4.80 |
| Earnings growth % (y/y) | -3.10 |
| Revenue CAGR % | 6.43 |
| Earnings CAGR % | 29.33 |
| Debt/Equity % | 71.75 |
| Current ratio | 1.29 |
| FCF yield % | 11.98 |
| Dividend yield % | 1.04 |
| Payout % | 7.94 |
Returns
| 1 month | +0.7 % |
| 3 months | +25.1 % |
| 6 months | +21.3 % |
| YTD | -6.5 % |
| 1 year | -19.0 % |
| 3 years | -5.9 % |
| 5 years | -79.8 % |
Risk
| 1-year volatility | 44.2 % |
| Beta | 0.75 |
| 5-year max drawdown | -86.0 % |
| Sharpe 1A | -0.34 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.